Shows
InvestopolyEight Rules Revisited #8- The four risks that can derail a planEight Rules Revisited is a companion series to Stuart Wemyss's updated book, Wealth by Design, working through each of the original eight golden rules from his 2018 book, Investopoly, one episode at a time. In each episode, Stuart tests his 2018 thinking against eight more years of evidence and client experience, and is upfront about what has changed, what has simply sharpened, and what has held firm all along. In this final episode of the series, Stuart takes on risk management, the rule underneath all the others, because a strategy that ignores the other seven rules can still survive a...
2026-08-0521 min
InvestopolyQ&A – Family property moves, insurance costs & long-term cash strategyIn this Q&A episode, Stuart works through a series of nuanced listener questions that all sit at the intersection of tax, structure, and long-term decision making. While the scenarios vary, the common thread is the cost of getting the structure wrong early, and the difficulty of undoing it later.We begin with a Melbourne couple in their 30s navigating a generous but complex proposal from ageing parents: the potential transfer of an investment property that may become a future family home. Stuart unpacks the trade-offs between gifting now versus inheriting later, the often-overlooked capital gains and...
2025-12-1532 minInvestopolyEp 381: Warning- Property investors should ignore the last 5 years of dataRead Full Blog HereIn this episode, Stuart explains why property investors need to be cautious when relying on the last five years of price data. He outlines how this period has been shaped by a series of unique, disruptive events: surging construction costs, extreme interest rate movements, volatile migration patterns, and the rise of working from home. While these factors have significantly impacted prices, they don’t reflect long-term fundamentals and may not be repeated.Stuart explores how elevated construction costs have distorted growth in certain markets, particularly where building value outweighs land value. He...
2025-11-0430 minInvestopolyQ&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of WealthIn this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique perspective on wealth management across different life stages. Jim and his wife are considering whether to upgrade their home now, invest in ETFs, or continue expanding their portfolio through a trust structure. Stuart weighs the options and long-term implications of each. Kayt asks whether a low-fee option like a Vanguard retirement product is a better choice than working with a financial adviser, prompting a discussion on the value (and cost) of advice in retirement....
2025-10-2732 min
Business By DesignEp 150: Conducting a health check of your businessSend us Fan MailIn this episode, Stuart and Mena explore why every business owner should conduct regular health checks, not just when things go wrong, but as a proactive strategy for long-term success. They break the health check process into six core areas, starting with financial health, where Mena explains how to assess profitability, cash flow strength, and balance sheet resilience. Stuart then examines client and market health, highlighting the importance of avoiding overreliance on key clients, staying relevant in your market, and keeping your lead pipeline strong.Mena dives into operational health, discussing...
2025-10-2112 minInvestopolyQ&A - Property vs shares, selling decisions, and smart retirement strategiesIn this episode, Stuart tackles one of the most frequently asked investing questions: property vs. shares, but through a sharper lens: how leverage, gearing levels, and borrowing constraints impact the comparison. Sam asks at what point property stops outperforming shares if you can't borrow 100% of the purchase price. Stuart explains the inflection points and when ETFs might offer a better return for your capital. Bob, planning for retirement abroad, outlines a sophisticated strategy involving property sales, prepaying interest, super catch-up contributions, and CGT exemptions using the 6-year rule. Stuart dissects the layers of complexity and tax implications....
2025-10-2029 minInvestopolyEp 378: The one, evidence-based factor that predicts property price movementsRead Full Blog HereIn this data-driven episode, Stuart explores what really predicts property price movements, beyond the headlines about population growth. Using lending volume data across major Australian cities, Stuart shows why borrowing activity is one of the most reliable indicators of short-term property price trends. He compares trends in Sydney, Melbourne, Brisbane, Adelaide, and Perth, highlighting how lending volumes often correlate far more strongly with price growth than population alone. Stuart also examines investor participation across the states, noting that Melbourne and Perth may offer compelling opportunities based on current lending patterns and market dynamics.
2025-10-1434 minBusiness By DesignEp 149: 1%ers in business that can benefit your personal lifestyleSend us Fan MailIn this episode, Stuart and Mena explore the lesser-known “1%ers” in business—small, smart strategies that can make a big difference to your personal lifestyle when implemented correctly. While most business owners focus solely on income, employees, and long-term value, Stuart challenges listeners to also think about how their business can improve everyday life, without crossing any lines.Mena kicks things off by explaining how to maximise credit card reward programs through business expenses, turning points into luxury travel perks. Stuart dives into the electric vehicle (EV) Fringe Benefits Tax exemption and ho...
2025-10-1406 minInvestopolyEp 377: Are wholesale investors offered better investment options?Read Full Blog HereIn this episode, Stuart examines whether being a wholesale investor truly unlocks better investment opportunities or is merely a more sophisticated marketing pitch. He explains what qualifies someone as a wholesale investor under Australian law, what protections are lost when switching from retail, and whether exclusive access to private equity, hedge funds, and unlisted property trusts is truly worth the trade-off. Stuart also breaks down the core risks of wholesale investments, like illiquidity, high fees, and lack of transparency. Why he believes these options should remain on the edges of a portfolio, not...
2025-10-0729 minInvestopolyQ&A - ETF portfolio structuring, property versus ETFs, what Stuart would do differently and moreIn this Q&A episode, Stuart answers a range of insightful listener questions on wealth-building strategies through property, ETFs, and superannuation. Burt asks if he’s on track to retire by age 60, despite limited borrowing capacity and tight cash flow. Stuart unpacks the numbers and suggests possible next steps to gain traction. Blair, seeking to build a well-structured ETF portfolio inside an SMSF, asks how to balance growth, value, and emerging market exposure, and whether holding 6 ETFs is too much. Stuart walks through how he would personally approach portfolio construction in that context.Bryan writes in on be...
2025-09-2931 minInvestopolyEp 375: What is your return on borrowing capacity (RoBC)Read Full Blog HereIn this episode, Stuart introduces a powerful framework for property investors: Return on Borrowing Capacity (RoBC). With borrowing capacity often being a limited and scarce resource, Stuart explains why it’s critical to allocate it where it delivers the greatest after-tax, long-term wealth outcomes. He unpacks the concept by comparing different investment properties with identical total returns but varying mixes of income and capital growth, demonstrating how the wrong choice can halve your wealth creation over 30 years.Stuart discusses why investors should treat borrowing capacity like capital; it must be deployed st...
2025-09-2326 minInvestopolyQ&A - How much is enough, don’t risk tax benefits, funding renovations and moreIn this episode, Stuart addresses a wide range of thoughtful listener questions, focusing on managing risk, balancing lifestyle with long-term wealth, and making informed property and investment decisions. Andrew asks whether it’s necessary to chase every spreadsheet-optimised return when he and his partner already have "enough," prompting Stuart to explore hybrid strategies that protect cash flow while still building wealth, especially when children are on the horizon. Sam raises concerns about satisfying the NSW First Home Buyer residency requirements and how failing to update the electoral roll could impact both stamp duty exemptions and CGT outcomes.Gl...
2025-09-2225 minInvestopolyEp 374: Testamentary trusts and other estate planning strategiesRead Full Blog HereIn this episode, Stuart delves into the practical benefits and strategic importance of including a testamentary trust in your will. He explains how testamentary trusts offer powerful advantages in terms of tax efficiency, asset protection, and long-term flexibility, especially for families with minor children or complex financial situations. Stuart breaks down why income distributed to minors from a testamentary trust qualifies for adult tax rates, how these trusts can shield inheritances from relationship breakdowns or poor financial decisions, and why quarantining estate capital helps preserve tax concessions.He also explores real-life...
2025-09-1633 minInvestopolyEp 373: Property Management- How to manage the manger and picking a tenantRead Full Blog HereIn this episode, Stuart tackles a vital topic for every property investor: how to manage your property manager effectively, rather than being managed by them. He explains why great property management is essential for protecting your investment and cash flow, and how unrealistic expectations or poor communication can lead to costly mistakes. Stuart shares practical tips on navigating maintenance requests, managing rental increases, attending inspections, and choosing the right tenants, all while maintaining the right level of owner involvement. He also covers how to identify and switch to a high-quality property manager, including...
2025-09-0930 minInvestopolyQ&A - Which ETFs to use, balancing super tax, fees and returns, parking money in offset and moreIn this comprehensive Q&A episode, Stuart answers a wide range of listener questions spanning early retirement, home loan strategy, asset allocation, and superannuation management. Brett, a low-income investor aiming to retire at 45 with $100–120K in passive income, shares his strategy of holding four investment properties and building a trust-based ETF portfolio. Stuart offers guidance on asset spread, ETF weighting, and tax efficiency. Travis outlines his Adelaide-based property and superannuation structure and asks whether to sell an underperforming investment property to fund a higher-quality principal residence. Stuart weighs the pros and cons.Doba, a new migrant to Au...
2025-09-0829 minInvestopolyQ&A - Should Tammy sell, which property, super access and commercial property in SMSFIn this Q&A episode, Stuart dives into some complex and common questions from listeners navigating investment property decisions, superannuation strategies, and long-term planning. Tammy asks whether refinancing an investment loan and increasing an equity release is the best way to fund home renovations and a car upgrade. Stuart explains why selling one of their properties might be a more efficient solution.Viktor, a long-term Melbourne investor, wants guidance on whether to sell one or more underperforming properties to upgrade the family home or wait for the next property cycle. Stuart breaks down the trade-offs between asset...
2025-09-0134 minInvestopolyEp 371: Beware of property spruikers: How to spot a property fadRead full blog here.In this episode, Stuart sounds the alarm on property spruikers and how to spot the latest fads that can lead unsuspecting investors astray. Drawing from decades of experience, he explains how to distinguish genuine investment advice from cleverly packaged sales pitches designed to serve the seller, not the buyer. From positive cash flow regional properties in the early 2000s to the GFC-era US property rush, mining town booms, and off-the-plan apartment oversupply, Stuart shares real examples of past trends that promised high returns but delivered disappointing long-term results.He outlines the...
2025-08-2633 minInvestopolyQ&A - Is it worth switching to Vanguard Super, home upgrade strategy, fixing cash flowIn this Q&A episode, Stuart answers a diverse set of listener questions covering retirement preparation, home upgrade decisions, cash flow optimisation, and early-stage financial planning. He begins with El, a couple in their late 50s wondering whether switching from Care and Brighter Super to Vanguard Super is worth the effort as they approach retirement. Stuart outlines the key considerations for super fund selection at this life stage, including fees, flexibility, and pension phase planning.Next, Matt and his wife in Perth are juggling property investment, business growth, and a long-term goal of upgrading to a $3.5 million...
2025-08-2533 minInvestopolyQ&A - Planning with uncertainty, how to find useful property growth data and moreIn this Q&A episode, Stuart answers an insightful mix of listener questions that span health, housing, retirement planning, and how to balance life’s big financial decisions. He begins with “Lucky,” a high-income medical professional and cancer survivor, who asks whether his health history should influence how much he gears, and whether to upgrade his Melbourne home, buy in Sydney near family, or stick with investing in ETFs and super. Stuart unpacks each option, weighing lifestyle, liquidity, and long-term strategy.Next, Matt, soon to retire, asks whether using an offset account against his investment property loan is a s...
2025-08-1833 minInvestopolyEp 369: Strap yourself in for some tax reform – here are some suggestionsRead full blog here.In this forward-looking episode, Stuart unpacks a range of bold ideas for tax reform in Australia, urging policymakers to think beyond the status quo. With both federal and state budgets under pressure, and income taxes increasingly unsustainable, Stuart proposes a smarter, more balanced system that supports economic growth while ensuring fairness. He explores the dangers of bracket creep, the merits of expanding GST through a luxury rate, and the potential of capping the CGT exemption on primary residences to close one of the country’s most generous tax loopholes.Stuart also re...
2025-08-1230 minInvestopolyEp: 368 Keep your powder dry: Sometimes it’s wise to invest lessRead full blog here.In this episode, Stuart explores why sometimes the smartest investment strategy is to do less. With global markets hitting all-time highs and every major asset class delivering positive returns in 2025, Stuart cautions against overconfidence. He explains why sitting on cash or keeping borrowing capacity in reserve can be a strategic move, not a missed opportunity. Drawing on recent market trends, including the unusual simultaneous rise of gold and bitcoin, Stuart unpacks why this environment feels disconnected from economic and political realities.He also discusses the impact of index investing on market...
2025-08-0533 minInvestopolyQ&A - Property red flags, home upgrade and downgrade considerations, moving property equity into superIn this Q&A episode, Stuart covers a wide range of real-life scenarios, offering clear insights on property strategy, superannuation, and retirement planning. He begins by unpacking Paul’s question about setting up a self-managed super fund (SMSF) and whether his current balance is sufficient to make a property purchase viable within it. Stuart also reflects on the quality of Paul’s Melbourne townhouse investment and discusses how to assess whether a property is genuinely investment-grade. Paul’s second question around investing savings for his four young children prompts a broader discussion on smarter options beyond traditional bank accounts.J...
2025-07-2831 minInvestopolyQ&A - Is no negative gearing a problem, when to use a family trust, it’s a ‘who’ not ‘what’ questionIn this Q&A episode, Stuart tackles a wide range of complex financial and property questions from listeners navigating wealth-building decisions. He begins with a couple considering converting their first home into an investment property. Stuart breaks down the implications of their joint ownership structure, refinancing strategy, and whether they've missed the opportunity for negative gearing, providing insight into how high- and middle-income earners can best structure property portfolios.He then addresses a nuanced question about the transfer of assets from a discretionary trust to a testamentary trust upon death. Stuart explains the differences, key considerations, and...
2025-07-2133 minInvestopolyEp 365: Employee share schemes- How to use them to build personal wealthRead full blog hereIn this episode, Stuart explores how to build personal wealth through employee share schemes (ESS), breaking down everything from RSUs and stock options to tax-effective strategies like salary sacrifice. He explains how shares vest, when and how they’re taxed, and the implications of holding versus selling. Stuart also highlights the importance of managing concentration risk and making informed decisions based on valuations, market conditions, and long-term goals.Listeners will learn the difference between tax-deferred and taxed-upfront schemes, how to take advantage of the $5,000 salary sacrifice limit without triggering fringe benefits ta...
2025-07-1532 minInvestopolyQ&A - Loan structures, how to minimise tax in retirement, why a property strategy won’t workIn this Q&A episode, Stuart dives into some of the most pressing financial questions on the minds of listeners, from retirement tax strategies to smart investing moves. He unpacks the intricacies of transferring UK pensions to Australia, outlining the key rules, common pitfalls, and how to reduce unnecessary fees. Stuart then breaks down savvy loan structures for purchasing property through a company, with tips on minimising capital gains tax in the process.With retirement planning front and centre, he highlights the often-overlooked fact that the $2 million superannuation tax-free cap is indexed. He explains why this should...
2025-07-1434 minInvestopolyEp 364: Can annual property growth persist at 7% perpetuallyRead full blog here.In this insightful episode, Stuart Wemyss addresses a common investor question: Can Australian property values continue growing at 7% per year? He explains how compounding works over time and why adjusting future property values for inflation and income growth makes projections, like an $8 million home in 30 years, more relatable.Stuart dives into the impact of income distribution, noting that the top 20% of Australians earn nearly half of all disposable income and experience faster wage growth. These high-income earners drive demand for blue-chip, investment-grade property, often located within 2 to 20 km of major CBDs...
2025-07-0833 minInvestopolyQ&A - Structuring $200k p.a. retirement income, a common strategy mistake, and defining investment-grade property.In this insightful Q&A episode, Stuart Wemyss dives into three real-life financial questions that highlight the importance of strategic planning as retirement approaches. The episode begins with a deep dive into “Alex’s” situation a successful small business owner aiming to generate a $200,000 annual income in retirement. Stuart explores how Alex might structure assets post-business sale and whether selling an investment property could be necessary to meet income goals.Next, Francois raises a question about fixing a less-than-ideal property ownership structure. Stuart uses this as a springboard to discuss a common trap: designing your f...
2025-07-0830 minInvestopolyEp 363: What are the best, safe, income-style investment options?Read full blog here.In this insightful episode, Stuart Wemyss explores the safest, most reliable income-generating investment options for risk-averse investors or those with short investment horizons. He begins by highlighting why fixed income investments deserve more attention, especially for portfolio stability, retirees, or anyone with a low risk tolerance.Stuart presents a clear hierarchy of choices, starting with mortgage offset accounts as the most efficient, risk-free return option, often outperforming taxable investments on a net basis. He then explores term deposits, which are secure but less appealing given flat interest rate curves....
2025-07-0132 minInvestopolyEp 362: 4 property (evidence-based) golden rulesRead full blog here.In this episode, Stuart Wemyss distils insights from over a decade and 150+ blogs into four golden, evidence-based rules for successful property investing. He begins with the foundational principle: prioritise capital growth over income when buying, focusing on high-quality, investment-grade assets in tightly held, established suburbs. Income, he explains, can be improved later, but land location is forever.Rule two highlights the importance of understanding property cycles, and timing your purchases to coincide with upcoming growth phases can dramatically fast-track wealth building. Drawing on real client case studies from Brisbane, Stuart illustrates...
2025-06-2434 minInvestopolyQ&A: Investment planning when cash flow is uncertain, when to buy forever home and more...In this Q&A episode, Stuart dives into real-life financial dilemmas from listeners navigating pivotal moments in their wealth journeys. Daniel, a self-employed father of three, outlines his comprehensive plan to retire at 60 with $100k passive income, using property, super, and ETFs. Stuart unpacks the nuances of risk mitigation when income is uncertain and weighs in on a Geelong investment property. An anonymous listener from Perth wants to buy their “forever home” in 7–10 years and seeks advice on how to balance their growing family with smart asset leverage. K, facing a windfall of inheritance, asks about the best long-term ETF st...
2025-06-1636 minInvestopolyQ&A: When to increase super contributions, offset or redraw, super or property and more…In this Q&A podcast episode, Stuart tackles timely questions on super contributions, property strategy, and how to structure wealth to optimise flexibility, returns, and tax outcomes—particularly as retirement nears.Jack opened the episode with a practical question about offset accounts versus redraw facilities. As he approaches retirement, he's focused on maximising flexibility and wanted clarification on how each structure works, especially with salary deposits, credit card repayments, and long-term access to funds.George, aged 58, sought guidance on how to best deploy $260,000 in spare cash after selling a Queensland investment property. Stuart explores the pr...
2025-05-1231 minInvestopolyCase Study: Six-fold increase and now ready for retirementIn this case study episode, Stuart Wemyss shares the success story of a couple who experienced a six-fold increase in their investment assets, now positioning them for a comfortable retirement. When they first sought advice in 2015, the couple, aged 54 (him) and 51 (her), had a home valued at $900k with no debt, and co-owned three investment properties worth $1.2 million with $760k of debt. Their superannuation was $180k, and their combined income ranged from $300k to $400k annually.Fast forward to today, their home is now worth $1.6 million, and they have reduced debt on their properties, resulting in $760k...
2025-05-0530 minInvestopolyQ&A: Interest-only loans, transferring investment ownership, education bonds and more...In yesterday’s Q&A podcast episode, Stuart answered a wide range of listener questions about property investing, tax strategies, and long-term financial planning. He explained options for investors whose interest-only loan terms are ending, covering whether refinancing or switching to principal and interest repayments makes more sense depending on personal strategy. He also discussed the timing of paying down investment loans and different exit strategies for property investors.Another listener sought advice on structuring future ETF investments and whether it is worthwhile to transfer an existing portfolio into a family trust. Stuart broke down the key fa...
2025-04-2832 minInvestopolyQ&A: Surprising tax saving on inheritance, investing in property overseas, repay mortgage or invest and more...In this Q&A episode, Stuart unpacks a range of nuanced financial strategies, from tax-effective investing for children to optimising debt, investment structure, and global property opportunities.He begins with Cara’s question about investing an inheritance for her children and explains the surprising tax concession available through testamentary trusts—highlighting how they can be used to minimise tax on investment earnings for minors, which is a rare opportunity under Australian tax law.Shawn’s question opens up a discussion on investing in international real estate. Stuart weighs up the potential benefits, like geographic diversification and af...
2025-04-2131 minInvestopolyEp 352: Banks and miners: Where to from here for the Australian stock market?New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart dives into the heart of the Australian share market, breaking down how a small group of stocks—the big banks and major miners—are dominating the ASX200. In 2024, just three banks (CBA, Westpac, NAB) delivered more than half the index’s gains, while BHP and Rio Tinto dragged returns down.Stuart questions whether this concentration risk is sustainable. With CBA trading at historically high valuations and 14 out of 15 brokers rating it a 'sell', it may...
2025-04-1531 minInvestopolyQ&A: Livevesting, transition into your forever home, balancing regular travel and investing and more...In this Q&A episode, Stuart explores the intricacies of livevesting, a strategy that uses your primary residence as both a lifestyle asset and an investment tool. He responds to a thoughtful proposal to use the equity in a fully paid-off home to fund early retirement while still benefiting from the compounding capital growth of a high-quality property. Stuart unpacks the assumptions, risks, and practicalities of this "bridge" strategy, including cash flow, interest-only loans, and tax considerations.He also helps listeners navigating the transition from investment to forever homes, tackling questions about when to switch...
2025-04-1431 minInvestopolyCase Study: An example of a perpetual portfolio in retirementNew Report: The Evidence-Based Approach to Investing in Property & Shares: download here.In this case study episode, Stuart Wemyss discusses a client’s journey to establishing a successful retirement strategy using a perpetual portfolio. The client, who began retirement with a Self-Managed Super Fund (SMSF) balance of just under $2 million, faced significant losses from a poor stock pick. However, over seven years, the portfolio has grown despite drawing substantial pension payments. Stuart highlights key strategies employed to achieve this growth, such as selling underperforming active funds, including Magellan and Walter Scott, and shifting to a mo...
2025-02-1031 minInvestopolyEp 341: What makes a mortgage broker great?New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart dives into the essential traits that make a mortgage broker truly great and how they can transform your financial journey. With over two decades of experience in mortgage broking and property investing, Stuart shares unique insights into what separates exceptional brokers from the rest. He explores the five critical attributes every top-tier broker should possess, including property investment experience, a strong understanding of tax-efficient loan structures, and a solution-focused mindset to tackle even...
2025-01-2843 minInvestopolyQ&A: Borrowing against equity to invest in shares, commercial property in SMSF, transition to retirement, and more...In this episode, Stuart answers listener questions about share market investing in 2025, exploring the merits of index funds, managed funds, and direct shares. He explains why evidence-based, rules-driven strategies consistently outperform active management, using data from the S&P Dow Jones SPIVA report. Stuart highlights that over 85% of Australian actively managed funds and 90% of U.S. funds fail to beat their respective indexes over the long term. This makes index funds, with their low fees, tax efficiency, and minimal turnover, a compelling choice for investors.Stuart also reviews 2024 market trends, including the dominance of large-cap stocks like...
2025-01-2032 minInvestopolyQ&A: Investing in one ETF, upgrade home or invest, commercial property in SMSF and more...In this Q&A episode, Stuart addresses a range of thought-provoking investment questions from listeners. He explores the simplicity and effectiveness of using a single diversified ETF, such as VDHG or DHHF, while highlighting the nuances and potential limitations of this strategy for larger portfolios. Stuart also offers tailored advice on whether to upgrade a primary residence or invest in Melbourne property, ultimately favouring the lifestyle and financial benefits of upgrading.Listeners gain insights into how property value growth is measured, including the impact of capital improvements and why median growth rates may be misleading. He provides...
2024-12-1629 minInvestopolyEp 334: What important matters must you consider leading up to retirement?New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart Wemyss delves into the essential considerations for those planning to retire within the next five years. Drawing on his extensive expertise, Stuart outlines practical strategies to ensure a smooth transition into retirement, focusing on self-funded retirees.Key topics include resetting loan terms to maximise flexibility, adjusting or cancelling insurance as financial independence grows, and optimising your banking arrangements while still employed. Stuart also explains the tax-saving benefits of timing capital gains...
2024-12-1031 minInvestopolyCase Study: Outperforming long-term median property growthNew Report: The Evidence-Based Approach to Investing in Property & Shares: download here.In this case study episode, Stuart Wemyss shares the 15-year wealth-building journey of long-term clients who successfully grew their investment assets from $479k to $3.9 million. Stuart details how this couple, now in their late 50s, strategically upgraded their family home, built a diversified property portfolio, and significantly enhanced their superannuation.Starting in 2009 with a net worth of under $500k, their disciplined approach to asset selection and cash flow management has yielded impressive results, including outperforming median property price growth by 1–1.2% annually. Ke...
2024-12-0932 minInvestopolyQ&A: Moving into an investment, gearing, backyard space and choosing between two locations...In this Q&A episode, Stuart answers diverse listener questions, offering valuable insights into navigating complex financial decisions. Whether you’re considering moving into an investment property, leveraging equity to build a share portfolio, or deciding between two locations for your next property purchase, Stuart provides clear, actionable advice tailored to different life stages and financial goals.He explores the implications of turning your investment property into your principal residence, unpacking tax considerations and how they impact long-term financial planning. For retirees with geared share portfolios, Stuart weighs the benefits of reducing debt versus maintaining market exposure, es...
2024-12-0228 minInvestopolyQ&A: Tax-effective Bonus Share Plans, hedging investments, Queensland versus Melbourne, failed investments and more...In this Q&A episode, Stuart tackles some of the most pressing financial and property questions from listeners. With a focus on practical strategies, Stuart shares insights into managing paid-off investment properties and how leverage can impact long-term returns. He also explores tax-effective investment options, including innovative ways to reduce taxable income through bonus share plans.For property investors, Stuart addresses concerns around rising land taxes in Victoria versus Queensland and whether investor sentiment aligns with actual holding costs. Additionally, he dives into strategies to hedge against currency fluctuations, particularly for those with significant international stock exposure...
2024-11-2533 minInvestopolyEp 331: Maximising property returns: minimise holding costs while maximising growth (IRR)New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart Wemyss dives into the key strategies for maximising property investment returns by striking the right balance between holding costs and capital growth. Discover why compounding capital growth is the real driver of wealth accumulation and how to avoid common pitfalls of focusing too much on rental income.Stuart explains the concept of the internal rate of return (IRR) and how it measures the relationship between your investment and return. Using real-world...
2024-11-1931 minInvestopolyEp 330: Jumbo property investing: Is it worth the risk?New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart explores the concept of jumbo property investing: should you go all-in on a single high-value property or spread your investment across multiple, smaller properties? With average investment loans climbing past $600,000, many Australians face the question of whether to concentrate their budget or diversify. Stuart breaks down why a “jumbo” investment – such as buying a $3 million home in a high-demand area – might yield higher returns due to scarcity and alternative uses, like potential redevelopment. However...
2024-11-1230 minInvestopolyQ&A: Winding up a SMSF, CGT and whether to buy a property for your child nowIn this Q&A episode, Stuart covers several insightful financial scenarios, delving into when it makes sense to wind up a self-managed super fund (SMSF), strategies to manage capital gains tax (CGT), and guidance on property purchases to assist children in building wealth. Stuart examines how an SMSF with a lower balance can sometimes lead to higher costs, suggesting alternatives that may offer reduced fees and potentially better returns. Additionally, he addresses CGT concerns, highlighting tactics that can mitigate tax impacts for those facing a large one-time gain. A key takeaway is Stuart’s advice on supporting chi...
2024-11-0431 minInvestopolyEp 328: Smart strategies to manage the cost of personal insurancesNew Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this podcast, Stuart shares smart strategies for managing the rising costs of personal insurance, covering income protection, life insurance, TPD, and trauma insurance. Recognising that insurance is often essential to avoid financial disaster, he explains that premiums for these products have significantly increased over the last decade. While many people see insurance as an all-or-nothing decision, Stuart suggests a more flexible approach: gradually reducing coverage as your financial position strengthens and your responsibilities shift, like when...
2024-10-2933 minInvestopolyQ&A: Commercial versus residential property, ownership structures and tax savings, Div.293 super tax and more...In this episode, Stuart Wemyss dives into some great listener questions covering a mix of financial strategies. He kicks off with advice on debt recycling, sharing practical tips on how to construct a solid share portfolio for long-term growth. Stuart also unpacks strategies for boosting super balances, especially for those with unique super funds, offering ideas on how to make the most of salary sacrifice and contribution rules.He then tackles a popular debate: residential versus commercial property as an investment. While commercial property might offer better returns, Stuart points out the risks and costs involved. For...
2024-10-2129 minInvestopolyEp 326: Part 2: Pros and cons of using a wrap to invest your superRead full blog here.DOWNLOAD our 97-point financial health checklist hereIn this episode, Stuart Wemyss explores the benefits and drawbacks of using a wrap account to invest in superannuation. He explains that wrap accounts offer a similar level of transparency and control as self-managed super funds (SMSFs) but with lower costs and fewer administrative burdens. Stuart describes a wrap account as an investment platform that provides a wide array of options, including shares, ETFs, and managed funds, allowing users to build a diversified portfolio. It simplifies tax reporting, compliance, and pe...
2024-10-1527 minInvestopolyQ&A: Inheritances, home loan or invest, high super balance and SMSF asset allocationDOWNLOAD our 97-point financial health checklist here.In this engaging Q&A episode, Stuart answers pressing listener questions on financial strategies that touch on inheritance management, property decisions, SMSF contributions, and optimal allocation of discretionary income. He offers practical insights, such as whether it's more beneficial to invest surplus income or pay down a home loan, how to approach receiving an inheritance in your 20s, and what to consider if your super balance exceeds the $1.9m cap.Stuart also dives into property investment, explaining why it might not be the right time to sell underperforming...
2024-10-1427 minInvestopolyQ&A- Barefoot Investor, ethical investing, how to make $1m to upgrade home in 5 yearsDOWNLOAD our 97-point financial health checklist here.In this insightful Q&A episode, Stuart Wemyss addresses a range of topics that are crucial for anyone looking to grow their wealth and make informed financial decisions. He shares his thoughts on choosing the right investment strategies, including how to balance fees and returns when selecting super funds. Stuart also explores the growing trend of ethical investing, discussing whether prioritising socially responsible investments could impact long-term returns.For those looking to upgrade their homes or build wealth for a major purchase, Stuart offers practical advice on how...
2024-10-0732 minBusiness By DesignEp 102: How to improve your business’ productivitySend us Fan MailIn this episode, Stuart Wemyss and Mena explore strategies to enhance business productivity amidst Australia’s declining productivity rates. They begin by discussing the factors contributing to this decline, including a lack of competition, excessive bureaucracy, and a tight labour market. Both Stuart and Mena emphasise that businesses shouldn't wait for market forces to push them towards productivity but should actively seek improvements.They share actionable tips across five key areas: 1. Employee Productivity: Assess skills, set clear performance metrics, and foster open communication for feedback.2. Process Optimisation: Analyse wor...
2024-10-0112 minInvestopolyCase Study: $60k of investment assets to $1.6 million in 8 yearsDOWNLOAD our 97-point financial health checklist here.In this episode, Stuart takes you through an incredible case study of a young couple who transformed their finances, growing their net worth from $60k of investment assets to over $1.6 million in just 8 years. When they started working with Stuart in 2016, they were 28 years old, and had a home valued at $400k, $60k in super, and $100k in HECS debt.Stuart explains how they strategically purchased two investment properties, including a Queensland property that doubled in value to $1.6 million. They also acquired a dental practice, adding another $400k...
2024-09-3029 minInvestopolyEp 323: Warning: Don’t base decisions on property data!DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart sheds light on the pitfalls of relying too heavily on property data when making investment decisions. While data can be a valuable tool, he explains why it's often misleading in the property market, especially compared to the more reliable stock market data. Stuart dives into the wide variations between different data publishers—highlighting examples where property price changes ranged from 3.3% to 16.7% in the same year! He breaks down the key limitations of suburb-level data, explaining how thinly traded mar...
2024-09-2428 minInvestopolyEp 321: Interest Rates in 2025: Cut or Comeback?DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart explores the ongoing debate about the future of interest rates and inflation, addressing key questions about when the Reserve Bank of Australia (RBA) might begin cutting rates. He highlights the disparity between the RBA’s forecasts, which predict inflation will only stabilise by 2026, and market expectations, which signal rate cuts as early as 2025. Drawing on historical trends and market insights, Stuart discusses the potential risks of prolonged inflation and how government spending and a tight labour market are contributing to th...
2024-09-1029 minInvestopolyQ&A: Regional v. blue-chip, sell 50% to my partner, when to take profits and moreDOWNLOAD our 97-point financial health checklist here.In this Q&A episode, Stuart tackles a variety of listener questions on property investment, super contributions, and share portfolios. One listener asks whether it’s wise to leverage for an investment property now, even if it might need to be sold in the next five years. Stuart emphasises the long-term benefits of property ownership, combining gearing with time, and suggests a strategy to buy an upgraded home and rent it out.Another listener seeks advice on redirecting voluntary super contributions to their mortgage for short-term cash flow re...
2024-09-0928 minInvestopolyCase Study: Cleaning up investments and ownership structuresIn this case study episode, Stuart delves into the transformative journey of a couple who started working with Prosolution in their mid-40s, back in September 2016, with a $900k investment portfolio. Over the past eight years, they've grown their investment assets to $2.5 million, a remarkable 2.8x increase.Stuart discusses how Prosolution played a crucial role in cleaning up their investments and ownership structures, including eliminating expensive managed funds, optimising direct shares, and strategically using a trust with a corporate beneficiary. The clients also benefited from expert guidance on superannuation and smart allocation of surplus cash flow.
2024-09-0229 minInvestopolyQ&A: Answers to interesting listener questionsDOWNLOAD our 97-point financial health checklist here.In this Q&A episode, Stuart answers a range of insightful questions from listeners, covering various aspects of property investment, share market strategies, and borrowing capacity. He discusses the best vehicles for holding investments, such as companies, trusts, and superannuation, and offers his perspective on why the Adelaide property market has remained strong despite its economic challenges. Stuart also delves into the use of trust structures for building a property portfolio, weighing the benefits against the potential drawbacks like higher costs and reduced negative gearing benefits.Listeners will...
2024-08-2626 minInvestopolyEp 318: Why does Australia’s share market always underperform?DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart delves into why Australia’s share market often seems to underperform compared to global markets, despite occasional bright spots. He reflects on the recent 6% market drop followed by a modest recovery in Australia compared to the US. While historical data shows a relatively small difference in long-term returns between Australian and international markets, Stuart highlights how recent years have been driven by the tech boom, particularly in the US. Companies like the "Magnificent 7" have propelled global indexes, but Stuart cautions th...
2024-08-2029 minInvestopolyEp 317: Liveinvesting: is now the perfect time to consider this strategy?DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Read full blog here.In this episode, Stuart revisits the concept of "liveinvesting," a strategy where you invest more in your family home to secure a prime location with strong growth potential. As property prices in cities like Melbourne are currently more affordable, Stuart explores whether now is the perfect time to implement this approach.He explains how liveinvesting can offer significant tax-free capital growth, improve your lifestyle, and boost your retirement savings by downsizing later. However, Stuart also highlights the...
2024-08-1329 minInvestopolyQ&A: Answers to interesting listener questionsDo you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.In this episode, Stuart tackles a variety of financial questions, offering expert insights and practical advice on key dilemmas. He begins by discussing whether to sell an investment property to reduce a home loan or hold onto it for long-term growth, weighing the potential returns against the benefits of paying off a mortgage early.Next, Stuart examines the pros and cons of maintaining an investment property in retirement versus selling it to invest the proceeds into superannuation...
2024-08-1230 minInvestopolyEP 316: 6 important considerations when selling a propertyDOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Read full blog here.In this episode, Stuart delves into the six crucial considerations for selling a property, offering valuable insights to maximise your success. He begins by emphasizing the importance of presentation and making small improvements to attract buyers and achieve a higher sale price. Stuart discusses the best times to sell, noting that while spring is popular, other seasons might be more advantageous depending on your property's unique features and location.Choosing the right real estate agent is highlighted...
2024-08-0634 minInvestopolyCase Study: Residential & commercial property + super + sharesDo you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.In this case study episode, Stuart explores the impressive journey of a couple who have transformed their net worth from $868k in 2010 to over $5.4m today. Starting with a modest portfolio that included a primary residence, a Tasmanian property, shares, and superannuation, the couple strategically diversified and expanded their investments. Stuart highlights key moves such as acquiring a commercial property for their business, investing in shares, and navigating the challenges of cash flow management while funding private school fees.
2024-08-0521 minInvestopolyEP 315: 2024: The best super fund is…Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.Read full blog here.In this episode, Stuart delves into the critical topic of selecting the best super fund for 2024. With many super funds delivering impressive double-digit returns in the past financial year, Stuart highlights the disparity among funds, particularly in terms of transparency and risk. He emphasizes the importance of scrutinizing funds' investments, especially those with unlisted assets, and the potential conflicts of interest tied to industry funds' connections with trade unions and political parties.
2024-07-3022 minInvestopolyQ&A: Answers to interesting listener questionsDo you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.In this case study episode, Stuart Wemyss shifts from case studies to an interactive Q&A format, addressing several listener inquiries. The episode kicks off with strategies for early retirement, where Stuart discusses balancing investment approaches, living expenses, and aggressive gearing techniques to achieve financial independence in your 40s. He also delves into superannuation contributions and managing the transfer balance cap.Next, he explores investment structures, focusing on family trusts and corporate beneficiaries. Stuart highlights the tax...
2024-07-2930 minInvestopolyEP 314: How much super do you need for retirement?Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.Read full blog here.In this episode, Stuart delves into the essential topic of how much superannuation you need for a comfortable retirement. Drawing on a recent discussion with James Kirby from The Australian newspaper, Stuart explores the complexities of retirement planning, including how long your retirement might last and the shortcomings of traditional super calculators. He emphasises the importance of a perpetual portfolio, where your investment returns exceed your living expenses, ensuring your capital remains intact.
2024-07-2328 minInvestopolyEP 313: 4 alternative rules-based share index strategiesDo you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.Read full blog here.In this episode, Stuart dives into the world of share investing by exploring four alternative rules-based indexing strategies beyond the traditional market cap approach. He starts with a brief history of market cap indexing and highlights its major shortcomings, such as overexposure to overvalued stocks and rebalancing inefficiencies. Stuart then introduces four compelling alternatives:1. Equal Weight Indexing: This strategy allocates an equal amount to each company in an index, reducing the...
2024-07-1632 minInvestopolyEp 312: Warning: Impact of cost-of-living ‘crisis’ on your retirementDo you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.Read full blog here.In this episode, Stuart Wemyss delves into the significant impact of the current cost-of-living crisis on retirement planning. Stuart highlights how the sharp rise in everyday expenses over the past four years, often outpacing general inflation, can hinder your ability to save for retirement. He explains that maintaining your standard of living now requires a larger wealth base, potentially delaying retirement plans. Stuart provides actionable advice on managing this crisis, including t...
2024-07-0919 minInvestopolyCase Study: Property in super, shares and the need for diversificationIn this case study episode, Stuart Wemyss explores the journey of a client who has successfully navigated property investment within their superannuation, shares, and the importance of diversification. Working with the client since 2009, Stuart details their progression from an initial $4.8 million in assets to an impressive $9 million. The episode highlights the client's strategic acquisition of five apartments in Sydney and Melbourne, achieving significant long-term growth rates of 6.3% and 7.1% per annum, respectively.Stuart delves into the client's approach, which included geographical diversification and the strategic allocation of funds into shares within their superannuation. He also shares valuable insights...
2024-07-0814 minInvestopolyEp 311: 6 reasons to not invest in property!Do you have a question? Email questions@investopoly.com.au and Stuart will answer in the podcast from next week onwards. Read full blog here.In this episode, Stuart delves into the often-overlooked downsides of property investing. While the benefits are frequently highlighted, it's crucial to recognise and mitigate the potential drawbacks. Stuart outlines six key reasons why property might not be the best investment choice for everyone. He explains how compounding returns require decades to materialise fully, making property a long-term commitment. He also discusses the hands-on nature of property management, the typically low...
2024-07-0217 minInvestopolyEp 310: Should you invest 100% of your super into shares?Read full blog here.In this episode, Stuart delves into the intriguing question: should you invest 100% of your super in shares? He explores the conventional wisdom of diversified asset allocation, highlighting the potential benefits of focusing entirely on shares given the long-term nature of superannuation. Stuart explains how pre-mixed investment options and lifecycle strategies manage your super, often diluting potential returns. He argues that volatility isn't a concern for long-term investors, and shares historically deliver higher returns over decades. Stuart also addresses potential risks, such as market concentration, and advises on using rules-based, low-cost index s...
2024-06-2518 minInvestopolyEP 304: What is a strategic asset allocation? Why does it matter?Read full blog hereIn this episode, Stuart delves into the concept of strategic asset allocation and its critical importance in maximising long-term investment returns. He presents evidence demonstrating the unpredictability of short-term returns across asset classes, highlighting the need for diversification. However, Stuart argues that long-term returns are more predictable due to the principle of mean reversion.He advocates for an approach that involves actively allocating new capital towards undervalued asset classes or geographical markets, rather than blindly following a one-size-fits-all asset allocation model. Stuart believes that this strategy, though potentially leading to imbalanced...
2024-05-1412 minInvestopolyCase Study: Make life easier for your loved onesIn this case study episode, Stuart shares a poignant experience to highlight the importance of involving loved ones in financial planning and ensuring they are well informed and prepared. He recounts working with a client, Grant, since 2009, focusing on debt reduction, superannuation, and share investing.Tragically, Grant passed away suddenly in 2018, leaving his wife in an unfamiliar situation, having never been involved in the financial decision-making process. Stuart had to guide Grant's wife through understanding their investments, making important decisions about their home, and properly managing the estate.While everything eventually worked out, and Grant's...
2024-05-1308 minInvestopolyEp 303: Melbourne property will deliver the strongest growth over the next decadeRead full blog here.In this episode, Stuart makes a compelling case for why the Melbourne property market is poised to deliver the strongest capital growth among Australian capital cities over the next decade. Despite negative sentiment driven by factors like stricter tenancy laws, increased taxation, and concerns over the state's escalating debt, Stuart argues that Melbourne's property prices are currently undervalued relative to other cities like Sydney.He presents data illustrating how Melbourne's median house prices have underperformed in recent years, suggesting that the market is due for a rebound in line with the...
2024-05-0717 minInvestopolyCase Study: Restructuring a share portfolio across two ownership structuresIn this case study episode, Stuart shares insights from working with a high-income client who initially focused on building a property portfolio but later diversified into shares. The client's share portfolio was initially held in his wife's name due to their circumstances at the time, but a portion was later moved into a trust structure for tax efficiency.Stuart emphasises the importance of considering all components of investment returns, including income, growth, and tax credits. He also highlights how market corrections can present opportunities for investors. The episode offers a practical example of how Stuart's approach to...
2024-05-0608 minInvestopolyCase Study: SMSF are often not necessaryIn this case study episode, Stuart shares a real-life example of how his approach to financial planning helped a client transition from an underperforming self-managed super fund (SMSF) to a more efficient and transparent investment structure.The client had an SMSF managed by stockbrokers, heavily concentrated in Australian shares with minimal international exposure. After reviewing the fund's performance, Stuart found it had underperformed an industry fund by over 3% per annum.Rather than divesting the existing shareholdings, which were trading below fair value, Stuart recommended transferring the assets in-specie into separate super wrap accounts for the...
2024-04-2909 minInvestopolyEp 300: Is it safe to borrow to invest in shares? If so, how?Read full blog here.In this episode, Stuart discusses the feasibility and strategies of borrowing to invest in shares. He compares the practice of leveraging for share investments with the more commonly accepted approach of borrowing for property investments in Australia. Stuart highlights that gearing contributes significantly to property investment returns and the same principles can be applied to share investments. The episode explores three borrowing options: margin loans, investment mortgages, and internally geared ETFs. Stuart addresses the higher volatility associated with shares and suggests mitigating strategies like regular investing and maintaining a conservative loan-to-value r...
2024-04-1617 minInvestopolyEp 299: 20 years of poor property growth… is the property party over?Read full blog here.In this episode, Stuart delves into statistical analyses and economic insights, dissecting the nuanced factors influencing property market trends over the past two decades and speculating on their implications for future investment strategies.Commencing with a comparative analysis of median house price growth rates across major capital cities, Stuart uncovers a stark contrast between the preceding two-decade periods. He scrutinises inflation-adjusted growth figures, attributing a significant portion of the disparity to evolving economic landscapes and regulatory shifts.He delves into pivotal events such as the Global Financial Crisis and...
2024-04-0915 minInvestopolyCase Study: Rebuilding wealth post-divorceIn this captivating case study episode, Stuart delves into the real-life journey of rebuilding wealth post-divorce, offering invaluable lessons along the way.Following a client's separation in 2018, Stuart outlines the financial implications and strategic decisions made during the subsequent settlement in 2019. Despite the challenges, Stuart's guidance steered the client towards retaining key assets and formulating a plan for future financial security.Through meticulous planning and prudent investment choices, including property acquisitions and retirement strategies, Stuart demonstrates how resilience and strategic foresight can lead to successful wealth rebuilding post-divorce.Listeners gain actionable insights into...
2024-04-0807 minInvestopolyEp 297: Here’s what I think about cryptoRead the full blog here.In this episode, Stuart presents a compelling analysis of the merits and pitfalls of investing in digital assets. Despite recent surges in Bitcoin's price and endorsements from influential figures like Blackrock's CEO, he expresses significant scepticism about cryptocurrencies as a worthwhile investment. Stuart acknowledges the growing presence of fund managers and the proliferation of Bitcoin Exchange-Traded Funds (ETFs) as potential avenues for investment. However, he cautions against undue optimism, highlighting the commercial incentives of asset managers and the uncertain impact of ETFs on crypto's volatility. He argues that after over a...
2024-03-2613 minInvestopolyEp 296: Should you ever prioritise short-term returns?Read full blog here.In this episode, Stuart Wemyss delves into the nuanced debate of prioritising short-term returns versus adopting a steadfast long-term investment strategy. Drawing from his extensive experience, Wemyss navigates the complexities of financial planning, urging listeners to reevaluate their approach amidst fluctuating market conditions.He articulates the inherent advantages of a long-term perspective, emphasising its ability to filter out short-term noise and minimise risks and costs associated with frequent trading. Through insightful analysis, he elucidates the unparalleled power of compounding returns, vividly depicting wealth accumulation over time.However, Wemyss acknowledges...
2024-03-1912 minInvestopolyEp 295: Should you sell an underperforming apartment? Part 2Read full blog here.In Part 1, the podcast scrutinised the performance of apartment markets in major Australian cities over the past decade, uncovering reasons behind their underperformance and prospects for a new growth cycle. In this podcast episode, Stuart Wemyss provides a deep dive into the critical decision of whether to sell underperforming apartments in Australia's real estate market. Wemyss meticulously analyses the performance of apartment markets in Melbourne, Sydney, and Brisbane over the past decade, shedding light on factors influencing their growth potential.Listeners gain valuable insights into the contrasting dynamics of a...
2024-03-1215 minInvestopolyEp 294: Should you sell an underperforming apartment? Part 1Read the full blog here.In this podcast episode, Stuart Wemyss delves into the intriguing dilemma of whether to sell underperforming apartments in Australia's real estate market. He dissects the prolonged underperformance of apartments in Melbourne, Sydney, and Brisbane, spanning over a decade, challenging investors to reconsider their strategies in light of stagnant growth rates.The episode navigates through the complexities of supply-demand dynamics, construction quality concerns, and shifting rental yields versus owner-occupier interest rates. Moreover, Wemyss offers insights into the evolving relationship between apartment and house prices, highlighting the current affordability gap and...
2024-03-0516 minInvestopolyCase Study: Downsizing, business exit, inheritance and moreIn this episode, Stuart Wemyss unpacks a real-life case study covering downsizing, business exits, and inheritance. The client initially received fragmented advice, leading to confusion and inefficiencies in their financial strategy.Through our integrated approach, we optimised their SMSF investments, streamlined portfolios, and strategically sold underperforming assets. With proactive business restructuring and astute estate planning, we achieved substantial tax savings.In just 2.5 years, our collaborative efforts spanned business advice, portfolio management, tax structuring, and property guidance. This holistic approach highlights the value of a unified advisory team.Join Stuart as he simplifies financial...
2024-03-0409 minInvestopolyEp 293: Why do some locations outperform blue-chip suburbs?Read the full blog here.In this podcast, Stuart Wemyss delves into the intriguing dynamics of property investment, challenging the conventional wisdom that blue-chip suburbs are always the safest bet. The episode begins by scrutinising misleading claims made by some buyers' agents, emphasising the importance of thorough due diligence in a market often lacking regulatory protection. The host addresses the recent boom in regional towns, exploring why seemingly secondary suburbs can outperform blue-chip counterparts.Drawing on extensive research and real-life examples, the podcast highlights the pitfalls of short-term performance data and the significance of focusing...
2024-02-2719 minInvestopolyInvestment curveballs in 2023: 4 important lessons to remember for 2024Click here to read this blog online. Sidebar: Wealth Editor, James Kirby and I recorded an episode of The Australia’s Money Puzzle podcast yesterday discussing our expectations for the property market in 2024: see here. In this insightful podcast, Stuart Wemyss shares four key investment lessons gleaned from the tumultuous market of 2023, offering a compelling guide for potential listeners. Lesson one underscores the volatility of market expectations, urging investors to prioritise long-term goals over short-term forecasts. Lesson two explores the resilience required when faced with unexpected market deviations, emphasising the importance of...
2024-01-1619 minInvestopolyBest of 2023 #1: How to buy the highest quality property within your budgetUnlock the secrets to securing prime real estate without breaking the bank, as I, Stuart Wemyss, walk you through the strategic maze of property investment. Get ready to learn how even with modest means, you can pinpoint properties set to soar in value, thanks to the invaluable insights offered in this episode. We're scrutinizing the real estate market's ever-present supply and demand imbalance and understanding why this could be your golden ticket. I'll also reveal why the economic underpinnings of your investments are more than just background noise—they're the pulse that could dictate the heartbeat of your financial fu...
2024-01-0925 minInvestopolyBest of 2023 #3: What should be your priority: repaying your home loan or invest?Are skyrocketing interest rates making you question your investment strategy? I'm Stuart Wemyss, and on the Investopoly podcast, we tackle the dilemma facing many investors today: whether to pump surplus cash into investments or chip away at that home mortgage. As we bid farewell to the comfort of low interest rates and brace for the impact of significant hikes, this episode guides you through the emotional and financial intricacies of debt management versus investment growth.Bearing witness to history's lowest interest rates, many of us are now reeling from the sharp climb, questioning our next financial move...
2023-12-2613 minInvestopolyUnraveling the Differences: Melbourne vs Sydney Property Markets and What's Ahead for 2024 Read the full blog here. Ever wondered why the Melbourne and Sydney housing markets are as different as chalk and cheese? Well, it's time to quench your curiosity! I'm your host, Stuart Wemyss, and in this fascinating episode, we'll be demystifying the disparities between these two major Australian cities. We'll dive deep into historical growth rates, scrutinise current property prices, and explore unique factors such as population demographics and geographical features that are making waves in these markets. We'll also confront the elephant in the room - the escalating issue of traffic congestion in both cities.
2023-12-1217 minInvestopolyWhat does the rental yield tell you about a property?Read the full blog here.Why is the property rental yield an invaluable tool in the world of property investment? How can you interpret it to make smart decisions? Today, we're joined by Stuart Wemyss to pull back the curtain on this lucrative topic. Not only will you understand what rental yield is and how it's calculated, but we'll also dive into why they generally range between 2% and 5% in Australia. We'll be exploring the two main factors that influence rental yields: the size and condition of the property and its location. Stuart will share valuable i...
2023-11-2812 minInvestopolyForecasting property investing returns: 2023-2033. What can we expect?Click here to read the full blog including charts. What if you could double your real estate investment in a decade? Join our host, Stuart Wemyss, as he ventures into the rich field of residential real estate returns, dissecting the figures to expose a fascinating average decade-long return of 9.7%. He pulls apart this promising percentage, exploring its components of 7.3% capital growth and 2.4% net rental yield. Yet what lies behind the volatility of these returns? Wemyss will take you through the highs and lows of the past four decades, bringing the figures to life with his insightful analysis.
2023-11-0720 minInvestopolyProperty 101: How much do you know about property?Read the full blog here.Ready to ramp up your grasp on the property market? Let's do it together as I, Stuart Wemyss, guide you through the labyrinth of property terminologies like never before. We'll start by unveiling the mysteries of the land value, loan to value ratio, value of improvements, comparable sales and calculating the gross rental yield, essentially everything you need to know to estimate the market value of a property. By the end of this, you won't just be a bystander in the property market, but an informed and active participant.
2023-10-3121 minInvestopolyHow do rising construction costs impact property investment returns?Read the full blog here. Ever thought about how rising costs of construction can impact your property investment? Brace yourself for a deep dive into the world of property investment with our expert, Stuart Wemyss. With a keen focus on construction costs, we unravel the layers of how a 5.3% p.a. increase from 1966 to 2023 can influence the building value of your property. Together, we'll decipher how these escalating costs are balanced against inevitable factors like depreciation and maintenance. Grasp the golden rule - for a property value to double every decade, the land value must...
2023-10-0316 minInvestopolyFundamentals series #2: How to invest in property explained in 4 simple chartsWatch the presentation on YouTube here.Ever wonder why property investing is such a profitable avenue? It's not just the properties themselves, but the power of leveraging that plays a crucial role. Welcome to an enlightening exploration where I, Stuart Wemyss, peel back the curtain on the ins and outs of property investing. I'll be chatting about key insights like the importance of growth over income and the long-term benefits of holding onto your property investments.In the first part of our discussion, I'll shed light on how property markets operate in two...
2023-09-0513 minInvestopolyLaying the Foundation for Wealth: A Guide to Successful InvestingRead the full blog here. Are you ready to uncover the secrets of successful investing? I promise, this episode will equip you with the essential knowledge and strategies needed to lay a solid foundation for wealth-building. As your host, Stuart Wemyss, we'll be tackling the pivotal first steps in this wealth-creation journey. Drawing inspiration from Stephen Covey, we'll explore the necessity of having a clear goal, understanding the significance of wealth accumulation, and how it can radically alter your financial decisions.But that's not all. We'll also be diving into the value of...
2023-07-1814 minInvestopolyDecoding Homeownership: Financial Implications of Renting vs Owning, Tax Exemptions, and MoreRead the full blog here. Ever thought about the financial impacts of owning a home versus renting? We'll be tackling this head-on today. I'm Stuart Wemyss, your guide through this financial labyrinth, and I'm going to clear up some key misconceptions around capital gains tax exemptions and how they can still apply even when renting out your property. We'll decode the six-year rule and its effects on your exemption. Plus, I'll break down the difference between land tax and capital gains tax, and explain how it impacts your exemptions. As we venture further, we'll explore h...
2023-07-0418 minBusiness By DesignEp 9: What are the top three reasons accountants recommend establishing a SMSF?Send us Fan MailMena Abraham and Stuart Wemyss discuss the top 3 reasons that we think accountants recommend setting up a Self Managed Super Fund (SMSF) and whether they have merit. If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps us reach more incredible listeners like you. Thank you for being a part of the journey! Click here to subscribe to our weekly email. Work with Mena & Stuart's team: At ProSolution Private Clients we encourage clients to a...
2022-09-1904 min
InvestopolyWhy I reject potential clients... and some important lessonsI say “no” more often than I say “yes”. That is, I decline or defer the opportunity to work with more people than I agree to work with because, ultimately, I think it’s in their best interest. Not everyone is ready for tailored financial advice for lots of reasons as I discuss below.Products are easy to sell, tailored advice is notIt’s very easy to buy a financial advice ‘product’ such as a property investment plan. But it’s much harder to buy tailored advice. A product has a clear deliverable e.g. here’s an example of a prop...
2019-07-0315 min
InvestopolyWhy I reject potential clients... and some important lessonsI say "no" more often than I say "yes". That is, I decline or defer the opportunity to work with more people than I agree to work with because, ultimately, I think it's in their best interest. Not everyone is ready for tailored financial advice for lots of reasons as I discuss below.
Products are easy to sell, tailored advice is not
It's very easy to buy a financial advice 'product' such as a property investment plan. But it's much harder to buy tailored advice. A product has a clear deliverable e.g. here's an example of a property plan...
2019-07-0315 min