Shows
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 min
The Holistic AccountantEp 153: When Partnerships Fall Apart: Why Some Business Collaborations Just Don’t WorkSend us a textIn this episode of The Holistic Accountant, Stuart and Mena dive into the complexities of business partnerships, why they’re formed, where they go wrong, and how to prevent them from falling apart. While many partnerships start with good intentions, complementary skills, and a shared vision, they can quickly unravel due to misaligned values, poor communication, unequal contributions, and a lack of role clarity. Mena unpacks common reasons partnerships fail, including mismatched goals, blurred responsibilities, financial power struggles, and the absence of formal agreements. Stuart outlines early warning signs of trouble, suc...
2025-11-1111 minThe Holistic AccountantEp 151: Don’t trust your accountantSend us a textIn this episode, Stuart and Mena unpack the provocative, but crucial message behind the title “Don’t Trust Your Accountant.” It’s not about questioning your accountant’s integrity, but recognising the limits of what they can (and should) do for your business. Stuart explains why business owners must take full ownership of their financial understanding, because while accountants report the history, it’s up to you to fly the plane.Mena highlights that accountants are compliance-driven, often focused on tax returns and financial statements after the fact, not strategy or real-time in...
2025-10-2811 minThe Holistic AccountantEp 150: Conducting a health check of your businessSend us a textIn 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 minThe Holistic AccountantEp 149: 1%ers in business that can benefit your personal lifestyleSend us a textIn 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 minThe Holistic AccountantEp 147: Maximising your EV FBT Benefits as a business ownerSend us a textIn this episode, Stuart and Mena break down one of the most generous tax perks currently available to employees and employers alike: the Fringe Benefits Tax (FBT) exemption for electric vehicles. With so few genuine “free kicks” in the tax system, understanding how to maximise this benefit is essential for anyone considering a new car or looking to enhance employee compensation packages.Mena begins by outlining the eligibility rules: the vehicle must be a zero- or low-emissions car, first held and used after 1 July 2022, used by an employee or their associate, and...
2025-09-3006 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 minThe Holistic AccountantEp 146: Common accounting errors to avoidSend us a textIn this episode, Stuart and Mena uncover the most common accounting errors that can quietly cost business owners thousands in tax, compliance issues, or poor financial decisions. They begin by highlighting why your accountant plays a critical role as your de facto CFO, and how to spot red flags if things aren’t quite right. One of the biggest warning signs? A bank reconciliation that doesn’t match your records. Mena explains how overlooked discrepancies here can lead to under-reported profits, incorrect GST, or even missed fraud.From there, Stuart and Mena...
2025-09-2313 minThe Holistic AccountantEp 145: Making money with small-scale property development: Risks and opportunitiesSend us a textIn this episode, Stuart and Mena take a deep dive into the world of small-scale property development, highlighting both the potential rewards and the very real risks involved. Off the back of recent episodes about property spruikers selling uneconomical "development sites," they clarify what genuine small-scale development looks like, who it's suited to, and where it fits into a broader investment strategy.Mena explains the typical scope of a small-scale project, think two to four dwellings, and outlines the knowledge, financial strength, and risk appetite required to execute one successfully. They...
2025-09-1619 minThe Holistic AccountantEp 144: Sale Succession Strategy – Selling to an External BuyerSend a textIn this follow-up episode on succession planning, Stuart and Mena explore the second path: selling your business to an external buyer. Unlike a transition strategy, this approach involves a clean break, often preferred by owners seeking speed, lifestyle change, risk reduction, or when no internal successors are available. Mena begins by outlining the different types of buyers: strategic buyers (such as competitors looking to scale), financial buyers (like private investors or P/E firms), and the key distinctions between industry insiders and outsiders. Stuart then breaks down what buyers are actually purchasing, whether assets...
2025-09-0910 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 minThe Holistic AccountantEp 143: Transition Succession Strategy – Selling to Key StaffSend us a textIn this episode, Stuart and Mena kick off their new series on succession planning by exploring the transition pathway, where ownership and leadership of a business are progressively handed over to internal staff or family members. Stuart begins by defining what a transition strategy is and why it matters, highlighting how it can preserve a business’s legacy, protect its culture, and ensure continuity for clients and team members while reducing long-term risk.Mena outlines how a well-executed transition, typically involving a gradual sale of equity to key staff, can keep to...
2025-09-0210 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 minThe Holistic AccountantEp 142: 3 Pillars of Business: Profit margin, Distribution, and DemandSend us a textIn this episode, Stuart and Mena unpack the three essential pillars of building a successful, scalable, and sustainable business: profit margin, distribution, and demand. They begin by breaking down profit margins, exploring what makes them sustainable, and how they impact your ability to attract talent and quality inputs. Additionally, they explain why every business owner must understand whether they’re a price maker or a price taker. They explore how businesses can use their unique selling proposition (USP) to charge higher prices and build long-term profitability.Next, they dive into distribution, ho...
2025-08-2618 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: 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 minThe Holistic AccountantEp 138: All you need to know about purchasing a franchiseSend us a textIn this episode, Mena and Stuart take a close look at the pros and cons of purchasing a franchise and whether it’s truly the right path for aspiring business owners. They break down why buying into an established brand can fast-track revenue, provide a proven business model, and offer ongoing support in areas like training, marketing, and supply chain management. Stuart explains how franchises can simplify access to finance and deliver real advantages through economies of scale.But it's not all upside. Mena unpacks the hidden costs, such as hefty up...
2025-07-2913 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 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: 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: 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 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 minThe Holistic AccountantEp 113: What are things that business owners should be thinking about and working on at the beginning of the year?Send us a textIn this episode, Stuart and Mena kick off Season 5 of the HA podcast by highlighting the importance of business goal-setting at the start of the year. While personal New Year’s resolutions often take the spotlight, many business owners neglect to set clear targets—something Stuart and Mena argue can significantly impact success.They discuss key areas to focus on, starting with a review of 2024’s financial performance. From managing expenses and improving margins to assessing inventory and fixed assets, they break down how to optimise operations. They also stress the import...
2025-02-0410 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 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 minThe Holistic AccountantEp 104: The key to business success is fanatical disciplineSend us a textIn this episode, Stuart and Mena discuss the importance of fanatic discipline in achieving long-term business success. Drawing a parallel with health and fitness, Stuart explains that, just like staying in shape requires consistent effort over time, business success is driven by small, simple tasks executed with unwavering discipline over months and years.They explore the concept of "fanatical discipline," a term coined by Jim Collins, which refers to a business’s commitment to following specific practices and maintaining focus on long-term goals despite any external challenges. Mena highlights key characteristics of...
2024-10-1513 minThe Holistic AccountantEp 103: Using the flywheel concept to grow your businessSend us a textIn this episode, Stuart and Mena explore the powerful Flywheel concept, originally developed by Jim Collins, and how it can drive sustainable growth in business. They explain that great companies don’t rely on one key strategy but instead build momentum through a series of interconnected, reinforcing activities that create a cycle of success. The episode delves into the components of the Flywheel, using real-world examples to demonstrate how it works in practice.Stuart highlights the importance of continuous improvement and iteration, showing how companies can refine their processes and grow ov...
2024-10-0812 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 minThe Holistic AccountantEp 102: How to improve your business’ productivitySend us a textIn 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...
2024-10-0111 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 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 minThe Holistic AccountantEp 92: What insurance should you have for your business?Send us a textDo you have a question? Email questions@investopoly.com.au and Stuart and Mena may answer it in the podcast.In this episode, Stuart and Mena delve into the crucial topic of business insurance, outlining the various types of coverage business owners should consider to safeguard their operations. They discuss Public Liability Insurance, which covers third-party injuries and property damage caused by your business activities, and Product Liability Insurance, which protects against claims related to the products your business sells. Professional indemnity insurance is also highlighted, especially noting the type of...
2024-07-2308 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 minThe Holistic AccountantEp 88: How to fire a bad customerSend us a textIn this episode, Mena and Stuart tackle the challenging but crucial topic of how to fire a customer that doesn’t suit your business. They explore the impact of bad customers, who not only fail to refer new clients but also take longer to serve, increase business risk, and are generally less profitable and enjoyable to work with. Mena and Stuart explain that bad clients can hinder business growth and make it difficult to attract and retain great staff. They stress that success often comes from saying no to certain customers, even though ma...
2024-06-2507 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 minThe Holistic AccountantEp 87: Top 5 reasons why businesses failSend us a textIn this episode, Stuart and Mena delve into the top five reasons why businesses fail and offer practical advice on how to avoid these pitfalls. They start with the crucial issue of running out of money, emphasising the importance of adequate working capital, maintaining a profit margin, and keeping a financial buffer. Next, they discuss the impact of a poor business model or marketing strategy, highlighting the necessity of understanding how your business operates and effectively reaching customers while managing acquisition costs.The conversation then shifts to poor margins, explaining that...
2024-06-1807 minThe Holistic AccountantEp 86: Our top 10 hiring mistakes and learningsSend us a textIn this episode, Stuart and Mena delve into the top 10 hiring mistakes and the invaluable lessons they've learned along the way. They share candid insights on building a strong team, emphasising the importance of hiring slowly and firing quickly, and the necessity of quality over quantity. They pose a crucial question for business owners: "Would you enthusiastically rehire everyone in your business?" and suggest asking it regularly to stay ahead of potential issues.The hosts discuss the significance of having difficult conversations, setting clear expectations, and the pitfalls of making excuses...
2024-06-1110 minThe Holistic AccountantEp 85: Customer feedback surveys: everything business owners must knowSend us a textIn this episode, Stuart and Mena dive into the world of customer feedback surveys, uncovering essential insights for business owners. They explore the Net Promoter Score (NPS) introduced by Fred Reichheld, a straightforward yet powerful tool for gauging customer loyalty and forecasting business growth. NPS segments customers into Promoters, Passives, and Detractors, each offering unique insights into customer satisfaction and areas for improvement.Key takeaways include the importance of keeping surveys short, typically no more than 2-3 questions, and always acknowledging feedback to show customers their input is valued. The hosts...
2024-06-0411 minThe Holistic AccountantEp 84: Tax planning for End of Financial YearSend us a textIn this episode, Stuart and Mena provide a comprehensive guide to end-of-financial-year tax planning strategies that can help maximise your tax savings. With a wealth of practical tips and considerations, they break down complex tax concepts into easily digestible insights.Whether you're a high-income earner, a business owner, or simply looking to optimise your tax position, their advice covers a range of scenarios and opportunities. From maximising super contributions and utilising unused caps to navigating tax brackets and deductions, he offers actionable steps to potentially save thousands in tax liabilities.
2024-05-2809 minThe Holistic AccountantEp 83: Should I merge my business?Send us a textIn this episode, Stuart and Mena dive into the critical considerations surrounding business mergers, offering valuable insights for entrepreneurs and business owners contemplating this strategic move.They emphasise the paramount importance of cultural fit, exploring how aligning values, client bases, and work environments can make or break a merger's success. Stuart and Mena also delve into the potential opportunities and risks, such as expanding service offerings, achieving economies of scale, financial stability, valuation disparities, and potential control trade-offs.With a pragmatic approach, they discuss the need to thoroughly assess...
2024-05-2108 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 minThe Holistic AccountantEp 81: What to do if you are reliant on one customer?Send us a textIn this episode, Stuart and Mena discuss the challenges and potential strategies for businesses that are heavily reliant on a single major customer. They acknowledge that while having a large customer can be advantageous, it also poses significant risks due to the lack of diversification and potential loss of revenue if that customer relationship were to end.The hosts outline three main options for businesses in this situation: 1) Actively pursuing new customers, potentially through acquisitions, 2) Vertically integrating or expanding offerings in a way that complements the existing major customer, or 3) Embracing...
2024-05-0706 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 minThe Holistic AccountantEp 80: Why you should outsource your bookkeeping functionSend us a textIn this episode, Stuart and Mena dive into the invaluable benefits of outsourcing your bookkeeping function, highlighting how it can be a game-changer for businesses seeking to streamline operations and boost profitability.They emphasise the importance of having an expert team deeply integrated into your business, ensuring accurate data flow and enabling your accountant to provide meaningful insights. By outsourcing bookkeeping, businesses can improve invoice and receipt management, leading to faster payment cycles and better cash flow management.Moreover, Stuart and Mena underscore the significant time savings that come...
2024-04-3006 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 minThe Holistic AccountantEp 79: Considering financing an asset in your business? Here’s a few considerationsSend us a textIn this episode, Stuart and Mena dive into the different finance solutions available for asset finance and discuss the pros and cons of each option. They start by outlining the main types of asset finance:Chattel Mortgage - The lender takes a mortgage over a specific asset like equipment or vehicles and provides funding secured by that asset. This is one of the most common options.Hire Purchase - The financier purchases the asset and the client takes out a loan to pay it off over a fixed period, ultimately...
2024-04-2306 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 minThe Holistic AccountantEp 78: Debunking common tax minimisation mythsSend us a textIn this episode, Stuart and Mena debunk common tax minimisation myths perpetuated by some accountants to attract clients. They delve into strategies often marketed as tax-saving methods but may not necessarily be beneficial in the long run.One such myth revolves around the promise of quick tax refund turnaround times, which should not be the sole driving factor in choosing an accountant. Additionally, they address the misconceptions surrounding motor vehicle expenses and the potential pitfalls of focusing solely on negative gearing benefits when investing in property, which could lead to poor...
2024-04-1506 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 minThe Holistic AccountantEp 77: Who’s going to look after your business when you die?Send us a textIn this episode, Stuart and Mena delve into a critical topic: "Who’s going to look after your business when you die?" Tune in as they navigate the complexities of estate planning for business owners, addressing key considerations to ensure the continuity and prosperity of your enterprise.From selecting capable executors to identifying competent successors, Stuart and Mena guide listeners through the crucial decisions that shape the future of your business. Explore the intricacies of determining whether your estate will retain or sell the business, and gain insights into crafting essential do...
2024-04-0906 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 minThe Holistic AccountantEp 76: Under what circumstances can businesses borrow?Send us a textIn this episode, Stuart and Mena delve into the intricate world of business borrowings, offering invaluable insights and strategies to navigate this crucial aspect of entrepreneurship. They shed light on the criteria commercial lenders use, emphasising the significance of future cash flows in lending decisions. Discussing security options like property or General Security Agreements, they provide clarity on tailoring these to suit your business needs effectively.Listeners gain insight into specialised banking sectors, including medico, property development, franchise, and more, ensuring a nuanced understanding of tailored financial solutions. Stuart and Mena...
2024-04-0208 minThe Holistic AccountantEp 75: Powerful business insights – introduction to cost accountingSend us a textIn this episode, Stuart and Mena dive into the powerful world of cost accounting, unveiling strategies to gain deep insights into your business's profitability at the product or service level. They break down the essentials of cost accounting, sharing practical tips on how to accurately measure and analyse the true costs associated with each offering.Key topics covered include identifying and tracking all direct costs, as well as effectively allocating overhead expenses. Stuart and Mena provide guidance on setting up your accounting system, leveraging general ledger codes and tracking mechanisms to...
2024-03-2606 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 minThe Holistic AccountantEp 73: How to minimise land taxSend us a textIn this episode, Stuart and Mena unravel the intricacies of minimising land tax, a looming concern expected to rise in the foreseeable future. They demystify the concept of land tax, emphasizing its assessment based on property holdings as of December 31st. The hosts advise listeners to scrutinise notices carefully upon receipt, underlining the significance of proactive examination.The discussion delves into the financial barriers of changing ownership due to stamp duty and Capital Gains Tax (CGT), prompting consideration of alternative strategies such as grouping and discretionary trusts. Stuart and Mena explore...
2024-03-1206 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 minThe Holistic AccountantEp 71: Offering customers discounts – should you, when, how and why?Send us a textEmbark on a strategic journey to business excellence with Stuart and Mena in this enlightening episode, where they unravel the intricacies of understanding and enhancing your business model. Offering a comprehensive breakdown of the nine vital components, the hosts provide a roadmap for entrepreneurs keen on refining their business structure. From crafting a compelling value proposition to navigating distribution channels and revenue streams, this episode serves as a practical guide for entrepreneurs at any stage. Stuart and Mena delve into the key factors that contribute to a robust business model, emphasising elements such...
2024-02-2708 minThe Holistic AccountantEp 70: Understanding & improving your business modelSend us a textDive into the intricacies of business success with Stuart and Mena in this illuminating episode, where they unravel the importance of understanding and improving your business model. The hosts break down the business model into nine essential components, providing a comprehensive framework that outlines how a company creates, delivers, and captures value. From defining the value proposition and identifying target customer segments to outlining distribution channels, customer relationships, and revenue streams, this episode serves as a roadmap for entrepreneurs seeking clarity on their business structure. Moreover, Stuart and Mena explore the factors that...
2024-02-1915 minThe Holistic AccountantEp 69: Business exit strategy - personal considerationsSend us a textJoin Stuart and Mena in this episode as they unravel the crucial considerations for business owners contemplating retirement. With a treasure trove of insights, the hosts guide listeners through the key factors that shape the decision-making process when determining the fate of your business post-retirement. The episode explores three primary options: retaining the business as a passive income streamselling it in full to maximize valueselling to staff to realize some value while maintaining a connection to the businessListeners are encouraged to introspect on their role within the business...
2024-02-1309 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 min