Explorez tous les épisodes du podcast Investopoly
| Titre | Date | Durée | |
|---|---|---|---|
| Eight Rules Revisited #7- Own property that everyone will always want | 29 Jul 2026 | 00:18:54 | |
Rule 7 in Investopoly was direct: only invest in investment-grade property. Eight years on, the core of that still holds, but Stuart has sharpened the method and genuinely changed his mind about one part of it. In this episode, he explains why Wealth by Design reframes the rule from "invest in investment-grade property" to something more demanding: own property with enduring, scarce and growing demand. It's a shift from a label to a test—what makes an asset something people will always want, and keep wanting, decades from now. Stuart is candid about the one 2018 position he's since reversed: the old line that it's "never a bad time to buy." He now believes price and cycle matter more than he once allowed, and explains why. He introduces the idea of buying for the future buyer rather than today's, choosing property whose appeal will still be scarce and sought-after when you eventually sell. He closes with a simple forced-hold test you can run on any property this week, a quick way to pressure-test whether what you own or are about to buy truly has demand that endures. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 419: The best super fund for 2026? You’re asking the wrong question | 28 Jul 2026 | 00:29:11 | |
You can download the full report, including the four decision flowcharts and annual review checklist, here: https://prosolution.com.au/best-super-fund-australia/ Most people choose a super fund by looking at which fund produced the highest return last year. But that is the wrong question. The better question is: which investment strategy and super structure is most likely to deliver the best after-fee, after-tax outcome over the next 20 to 40 years, given your circumstances? In this episode, I explain why choosing the best super fund involves two separate decisions: how your money is invested and which structure holds those investments. I compare pooled funds, Member Direct options, wrap platforms and SMSFs, and explain how to assess each using four key factors: transparency, tax effectiveness, cost, and flexibility and control. I also discuss why “Balanced” investment options can be misleading, the risks of excessive exposure to Australian shares and unlisted assets, when greater control may be worthwhile, and the insurance mistake you must avoid before changing funds. Finally, I explain why this should be an annual review rather than a one-off decision. As your balance, investment horizon, fees and insurance needs change, the best structure for you may change too. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 416: Is established residential property still worth investing in? | 07 Jul 2026 | 00:29:45 | |
Pre-order Wealth by Design Here With the government's changes to established residential property now looking likely to become law, the investment case has fundamentally shifted, and those who try to ignore it will be exposed. In this episode, we unpack why quarantining negative gearing losses hits investors so hard: the asset costs materially more to hold each year, yet capital growth potential hasn't budged. We walk through the numbers, showing how an investment-grade property's after-tax internal rate of return could fall from around 11% to just 8.4% a return you might match through superannuation, minus the debt, concentration risk and hassle. We also explore "livevesting", channelling your capacity into a better-quality home that compounds tax-free, and explain why Melbourne may now offer compelling relative value. Along the way, we sound a warning on the "obvious alternatives": commercial property and new-build packages that are often overpriced, structurally inferior, or both. Finally, drawing on the 1980s Hawke-Keating reversal and New Zealand's recent backflip, we ask whether these changes will even last—and why the smartest move now is preserving optionality rather than reacting. Tax matters, but a good investment must still stand on its own merits. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 373: Property Management- How to manage the manger and picking a tenant | 09 Sep 2025 | 00:30:52 | |
In 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 what fees to expect across different states and what to look for beyond price. Later in the episode, Stuart answers a listener's question from Anne about strategies for helping her son prepare to buy his first home in Brisbane. He explores different ownership and living options, including renting the property first or moving in straight away, and explains the CGT implications of each. Stuart also offers advice on choosing the right type of property, balancing ambition with practicality, and structuring the loan, comparing offset accounts versus fixed-rate options for young buyers. Whether you’re a seasoned investor or helping someone get started, this episode is packed with grounded, actionable guidance. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Which ETFs to use, balancing super tax, fees and returns, parking money in offset and more | 08 Sep 2025 | 00:29:15 | |
In 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 Australia, asks how best to manage $400K in cash, weighing super contributions, offset accounts, and ETF investment. Stuart lays out a cautious, staged approach. Marco, a 52-year-old business owner considering semi-retirement, wonders whether to sell his business and pay off the home loan. Stuart explores how to stress-test this plan for future income needs. Lastly, John is in a public sector super fund and questions whether to switch to Hostplus Choiceplus due to high fees, despite incurring tax on transfer. Stuart breaks down the fee vs. return trade-off and the long-term benefit of low-cost index investing. A valuable episode for investors at every life stage. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 372: How to navigate rising land tax | 02 Sep 2025 | 00:26:22 | |
In this episode, Campbell explores one of the biggest creeping costs for property investors today, land tax, and why its rising impact should prompt a serious rethink of long-term investment strategies. He breaks down how land tax thresholds and rates have shifted over the last 20 years in Victoria, NSW, and Queensland, and highlights how frozen indexation and bracket creep are quietly eroding net rental yields. Using projections over 15 and 30 years, Campbell reveals how even investment-grade properties could see their net yields drop below 0.2% if land tax rates remain unchanged, reinforcing the message that residential property is not an income strategy, it’s a capital growth play. He also answers listener questions, including Erik’s query on the best ownership structure for purchasing a forever home to preserve intergenerational wealth, and Justin’s detailed questions around the 6-year CGT rule and whether a temporary move-in could provide a valuable tax exemption down the track. Campbell wraps up by stressing the importance of diversification, particularly into shares, which offer more consistent yields and liquidity, and why investors should work with advisors who are independent and experienced across multiple asset classes. A must-listen for anyone navigating today’s changing property tax landscape. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Should Tammy sell, which property, super access and commercial property in SMSF | 01 Sep 2025 | 00:34:25 | |
In 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 quality, timing the market, and using equity wisely. Adam asks for clarity on accessing superannuation after age 60 if you stop one of multiple jobs. Stuart provides a simple explanation of the rules and how they apply. Finally, Norm and Sharee, small business owners approaching 50, are considering using their SMSF to purchase their business premises. Stuart discusses the pros and cons of concentrating super in one asset and the long-term benefits of liquidity and diversification. He also weighs in on their plans to buy a holiday home, explaining ownership structures and strategies to fund it tax-effectively. A rich episode for property owners and planners alike. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 371: Beware of property spruikers: How to spot a property fad | 26 Aug 2025 | 00:33:25 | |
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 red flags of property fads: fast-money promises, businesses growing too quickly, unrealistic return forecasts, and markets driven by a handful of players. Stuart also highlights how savvy marketing, short-term results, and glowing early reviews can mask poor-quality advice. With more recent trends like development site deals and commercial property pushes now dominating the conversation, this episode is a timely warning for investors who want to stay grounded in evidence, not hype. Whether you're new to property investing or navigating the next stage of your portfolio, Stuart’s insights will help you stay focused on sustainable, long-term strategies and avoid costly missteps fueled by short-term noise. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Is it worth switching to Vanguard Super, home upgrade strategy, fixing cash flow | 25 Aug 2025 | 00:33:20 | |
In 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 home. Stuart discusses whether they should focus on paying down their home loan or continue investing, and when an SMSF strategy might make sense. Liam, a 28-year-old with a young family, asks how to juggle mortgage repayments, super contributions, and the possibility of investing while planning for a wedding and a new business venture. Stuart provides clarity on income protection, leveraging wisely, and what to prioritise in the early years. Finally, Sarah and her partner, middle-income earners in their 40s, feel stuck despite having solid assets. Stuart offers reassurance and practical tips for improving cash flow, building buffers, and regaining financial confidence. A supportive episode for every life stage. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 370: Does long-term data tell us where to invest in property? | 19 Aug 2025 | 00:31:28 | |
In this data-rich episode, Stuart takes a deep dive into what 40 years of long-term data reveals about property investing across Australia’s capital cities. While the media often focuses on short-term fluctuations, Stuart explains why property should be viewed as a multi-decade investment and how compounding growth over time can deliver extraordinary returns. He breaks down the historical performance of Sydney, Melbourne, Brisbane, Adelaide, and Perth, highlighting how each city has tracked over 10, 20, 30, and 40-year periods, and what investors can learn from those patterns. Stuart also explains why the median house price should be seen as a benchmark, not a guaranteed result, and how thoughtful asset selection is key to outperforming it over the long term. He explores whether cities like Melbourne have bottomed out after years of underperformance, if Sydney’s historical strength will continue, and why Brisbane may still have runway left ahead of the 2032 Olympics. Plus, he warns that Adelaide and Perth, despite recent strong results, may be entering more moderate growth phases. For investors trying to cut through short-term noise and build a high-performing property portfolio, this episode offers clear, evidence-based insights to help you make smarter long-term decisions. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Planning with uncertainty, how to find useful property growth data and more | 18 Aug 2025 | 00:33:22 | |
In 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 smart way to manage share market risk in retirement. Stuart shares how to approach this strategy to strike a balance between flexibility and return. Steve asks where average investors can access affordable, quality property data for DIY analysis. Stuart discusses practical alternatives to high-cost platforms. Finally, Jordan and his partner share their impressive early success: two investment properties by age 25, but now struggling to balance the desire for future growth with living more in the present. Stuart responds with guidance on timing property moves, managing gearing, and the mindset shift needed to enjoy the benefits of your financial discipline, such as taking that long-awaited holiday. A rich episode for all life stages. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 369: Strap yourself in for some tax reform – here are some suggestions | 12 Aug 2025 | 00:30:18 | |
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 revisits the role of private investors in solving the housing crisis, suggesting innovative tax incentives to increase the supply of affordable rentals. In superannuation, he outlines a simple yet powerful tiered contribution tax system that could help lower-income earners grow their balances faster. Later in the episode, Stuart responds to a listener question from Dee, a high-earning sole trader and single parent, wondering whether to purchase her next investment property in her name or via a family trust. He explains the trade-offs between asset protection, negative gearing, and borrowing capacity, especially for professionals in higher-risk fields. A must-listen for anyone thinking about how tax policy and personal strategy can evolve for a better financial future. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Rebalancing super, is property concentration a problem, when should you sell property | 11 Aug 2025 | 00:32:00 | |
In this episode, Stuart addresses a wide range of listener questions, focusing on smart super strategies, investment property decisions, and how to balance financial goals with market realities. Jeff asks whether funds in an offset account with a non-bank lender like Resimac are safe, prompting a discussion on lending structures and risk. Alex seeks clarity on the pros and cons of rebalancing super investment options, while Pierre (alias) returns with a detailed follow-up on reallocating borrowing capacity and how to weigh shares vs. property with a 25-year investment horizon. Stuart also responds to Graham and Helen, a retired couple with super nearing the cap, who are considering how to best manage their share portfolios, pensions, and investment property. Another listener asks about selling a one-bedroom Brisbane apartment ahead of retirement and using the funds to either build super or invest elsewhere. Finally, Stuart offers advice to a 34-year-old couple aiming for $2 million in net worth by age 40, debating whether to continue investing in ETFs or buy another investment property in Melbourne. With thoughtful insights on diversification, timing, tax efficiency, and long-term planning, this episode is packed with real-world guidance for investors at every stage of the wealth-building journey. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A- Debt recycling, the six-year rule, and exiting your financial planner | 06 Jul 2026 | 00:34:12 | |
Pre-order Wealth by Design Here In this mailbag episode, we tackle five listener questions spanning some of the trickiest decisions in personal finance. A Brisbane couple in their mid-forties, with strong super balances and a plan to knock down and rebuild, ask whether to ease off super contributions to kill debt faster or keep compounding inside the lower-tax environment and whether debt recycling is their smartest long-term play. We unpack a thorny capital gains question on the six-year absence rule: can you settle a new home first, then sell the old one, without triggering a double-PPR problem? A high-income Melbourne couple wonder whether $6,800 a year in ongoing financial advice is still worth it, how to untangle from wrap platforms, and whether a coastal second property stacks up given their age and timeline. A father in St Ives asks whether tipping $2,000 a year into a 20-year-old's super is a gift worth making. And a Perth listener eyeing his neighbour's block wants the unbiased truth on double blocks and subdivisions. Practical, numbers-driven answers to real situations and the principles behind them. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep: 368 Keep your powder dry: Sometimes it’s wise to invest less | 05 Aug 2025 | 00:33:05 | |
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 momentum, why market-cap indexing may behave like a growth strategy, and why blindly following the crowd can increase your risk exposure. Alongside this market reflection, Stuart answers a detailed listener question from Bernadette, a 51-year-old planning for retirement. He analyses her strategy to maximise super contributions, transition into part-time work, and possibly adopt Hostplus, ChoicePlus or a WRAP account to improve tax efficiency. With practical advice on asset allocation, superstructure selection, and risk management, Stuart reinforces a core message: building long-term wealth doesn’t require reacting to every market move. Sometimes, keeping your powder dry is the most powerful move you can make. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Smart Property Moves, CGT Timing, and Building Wealth for the Long Term | 04 Aug 2025 | 00:29:42 | |
In this Q&A-packed episode, Campbell tackles a variety of real-life scenarios from listeners navigating property decisions, capital gains tax, and super strategies. He begins by clarifying whether deferring the sale of investment properties until retirement results in meaningful CGT savings, a common assumption he carefully unpacks for Catherine. Elise then asks whether to continue hunting for an investment property, focus on paying off the mortgage, or invest in shares. Campbell shares a practical decision-making framework based on flexibility, returns, and borrowing power. Next, Matt raises a nuanced estate planning question about SMSFs, wrap platforms, and directing super death benefits into a private trust. He explains the pros and cons of SMSFs versus wrap platforms and highlights which providers support direct access without needing a financial adviser. Simon’s question on potential CGT exposure after co-purchasing a home with his mother leads to a clear explanation of how CGT applies to partial ownership, even without rental income. Finally, Ray seeks guidance on which of three strategies will best position him and his wife to buy a future family home while relocating frequently for work. Campbell compares ETFs, investment properties, and CGT exemptions, giving Ray a clear path to building flexibility and wealth. A rich episode for strategic thinkers. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep: 367 Best super fund for 2025 | 29 Jul 2025 | 00:41:53 | |
In this episode, Stuart reveals the results of his annual review of super fund performance, naming the best super fund for 2025. He compares returns across both Balanced and High Growth investment options from Australia’s leading industry and retail super funds, including Hostplus, UniSuper, ART, AustralianSuper, and the increasingly competitive Vanguard Super. But investment returns and fees aren’t the only criteria that matter. Stuart delves deeper into overlooked factors, including transparency in asset valuation (especially for unlisted assets), board governance and experience, cybersecurity risks, and service quality. He raises red flags about funds influenced by union-backed boards and highlights service issues, including lengthy wait times and delayed payouts. Stuart also explains the hidden tax costs in pooled super funds, especially the tax drag from unrealised capital gains, and how wrap platforms or SMSFs may offer smarter alternatives for engaged investors. He outlines when splitting super across two funds might be a useful diversification strategy, and who should consider using AustralianSuper’s Member Direct or a wrap platform like Hub24 or Netwealth. Whether you're looking for the best net returns, lower tax drag, or more control over your retirement savings, this episode offers clear insights to help you optimise your super in 2025 and beyond. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Property red flags, home upgrade and downgrade considerations, moving property equity into super | 28 Jul 2025 | 00:31:26 | |
In 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. John’s situation leads to a compelling conversation around downsizing in retirement. Stuart evaluates John's unique plan of selling the family home, investing the proceeds into super, and renting to try different locations before settling permanently. Other questions explored include what to consider when upgrading to a more premium home, the risks of holding off on selling your current home, and how to structure equity effectively. Stuart finishes the episode with a deep dive into Amelie’s property portfolio and how to optimise her $2.2 million in equity to build super and potentially upgrade to a better principal residence. A must-listen for property owners and planners alike. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 366: Boost your super balance by avoiding CGT for the rest of your life! | 22 Jul 2025 | 00:35:36 | |
In this episode, Stuart takes a deep dive into one of the most misunderstood aspects of superannuation, how unrealised capital gains tax (CGT) affects your balance, and how to avoid it. He begins by explaining the irony of the government’s proposed tax on super balances over $3 million: while controversial, most Australians are already paying tax on unrealised gains daily via pooled super funds. Stuart breaks down how these products calculate unit prices and the role of future tax provisions in that process. He then explores smarter alternatives, including wrap platforms and self-managed super funds (SMSFs), which allow investors to directly own assets and potentially eliminate CGT on unrealised gains altogether, provided they stay under the pension cap at retirement. Stuart walks through the financial modelling, showing how the fee trade-off still results in long-term gains, especially for high-contribution investors. Listeners also learn about timing, portfolio turnover, and tax-saving potential across various life stages. He closes with a performance and fee comparison between pooled funds like Vanguard and wrap platforms, offering guidance on when the shift is worth it. This episode is essential listening for anyone serious about optimising their super and reducing tax drag over a lifetime. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Is no negative gearing a problem, when to use a family trust, it’s a ‘who’ not ‘what’ question | 21 Jul 2025 | 00:33:48 | |
In 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 whether investing under a lower-income spouse’s name may offer more long-term estate planning benefits. Next, Stuart analyzes a detailed case involving a Brisbane-based couple with a multi-million-dollar property portfolio, employee share schemes, and a retirement goal of $200K income in 10 years. He evaluates their asset base, capital growth assumptions, gearing levels, and whether their current strategy is sufficient to meet their goals. Finally, Stuart reviews the future potential of two Sydney investment properties in Edgecliff and Mosman following changes to development zoning. He offers a framework for assessing heritage restrictions, supply risks, and ongoing demand in a shifting market. A rich, insightful episode for investors at all stages. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 365: Employee share schemes- How to use them to build personal wealth | 15 Jul 2025 | 00:32:07 | |
In 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 tax, and how to tactically reduce tax liabilities through transfers or strategic selling. Stuart offers clear insights on trading through issuer-sponsored share registries and outlines practical scenarios for divesting or retaining employee shares. The episode concludes with a detailed response to a listener planning a two-year overseas move. Stuart reviews their investment properties, managed funds, super, and future home upgrade goals, offering a framework for managing surplus cash flow abroad, timing a principal place of residence purchase, and balancing debt, investment, and long-term security. This episode is packed with expert financial planning advice tailored for modern professionals navigating employee entitlements, tax laws, and international transitions. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Loan structures, how to minimise tax in retirement, why a property strategy won’t work | 14 Jul 2025 | 00:34:32 | |
In 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 be a vital part of your long-term financial strategy. Is an SMSF property play more powerful than sticking with a high-growth super fund? Stuart weighs the pros and cons, helping listeners assess which option aligns best with their goals. To wrap up, he tackles a real-world dilemma: should you invest surplus funds into the share market or buy your future retirement home now? Stuart offers a clear, thoughtful framework to guide that choice. Whether you're planning for retirement or navigating your next big investment move, this episode is packed with practical insights to help you make smarter financial decisions. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 364: Can annual property growth persist at 7% perpetually | 08 Jul 2025 | 00:33:09 | |
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, making such properties more likely to achieve strong long-term growth. He challenges the idea that Australian property is broadly overvalued by focusing on geographic scarcity, population concentration, and the limitations of regional infrastructure investment. He also outlines several tailwinds that could boost property demand in the coming decade, including lower interest rates, superannuation tax changes, inheritance wealth, and reduced future equity returns. Whether you're a long-term investor or simply seeking clarity on the sustainability of property price growth, Stuart offers a well-reasoned, practical perspective grounded in evidence and experience. Tune in to gain confidence in your investment decisions and understand the forces shaping Australia’s real estate landscape. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A - Structuring $200k p.a. retirement income, a common strategy mistake, and defining investment-grade property. | 07 Jul 2025 | 00:30:42 | |
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 financial strategy around existing assets, rather than letting a clear strategy guide asset selection and structure, especially important when tax and long-term efficiency are involved. Finally, Stuart responds to Jason, who asks what defines an “investment-grade” property in Melbourne, and whether it’s realistic to buy one within an $850k–$900k budget in today’s market. Whether you’re planning your retirement, refining your investment structure, or considering your next property purchase, this episode offers practical insights and timeless financial wisdom to help you make smarter, strategy-first decisions. 🎧 Click to listen now and discover what steps could bring you closer to financial freedom. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Eight Rules Revisited #3: Build a savings engine that runs on autopilot | 01 Jul 2026 | 00:18:05 | |
Pre-order Wealth By Design Here Episode three of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Investopoly with the updated versions in Wealth by Design, released 28 July. Rule 3 — spend less than you earn and invest the difference- is one of the most straightforward principles in personal finance. It is also one of the most reliably ignored. The rule itself hasn't changed since Investopoly. What has changed is how Stuart frames the implementation, moving decisively away from tracking, measurement, and willpower toward an automated banking system that removes the need for daily discipline by making saving the structural default. The episode examines the behavioural forces that work against consistent saving, the immediate pull of spending versus the distant reward of investing, the social normalisation of lifestyle upgrades, and the way income growth tends to fund consumption rather than wealth accumulation when there is no system in place to redirect it first. Lifestyle creep receives particular attention. It is not a dramatic failure but a gradual one, the slow expansion of spending that keeps pace with rising income and quietly prevents wealth from compounding the way it should. Stuart closes with a single practical action: one automatic transfer worth setting up this week that begins shifting savings from intention to habit. The full system and worked examples appear in chapter three of Wealth by Design. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 363: What are the best, safe, income-style investment options? | 01 Jul 2025 | 00:32:03 | |
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. Next, he dives into fixed income ETFs, breaking them into categories: government bonds (like VGB), corporate bonds (such as CRED and HCRD), composite ETFs, and hybrid securities (like BHYB), which blend the features of shares and bonds for higher income. These options provide dependable yields (4–6.7% p.a.) with varying degrees of risk and liquidity. Stuart also touches on alternative investments like unlisted mortgage and private credit funds but warns they often carry more risk, lack transparency, and may offer marginally higher returns not worth the trade-off. If you're seeking steady, low-risk income from your investments, this episode is packed with practical, evidence-based strategies to help you make informed decisions. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Property negotiation, retirement planning, home upgrade and more... | 30 Jun 2025 | 00:37:43 | |
In this Q&A episode, Campbell unpacks a range of nuanced financial scenarios submitted by listeners grappling with how to best use their wealth, equity, and income to build a stronger financial future. The central theme revolves around one of the most common dilemmas: when your wealth is mostly tied up in property, what’s the next strategic step? Whether it’s deciding whether to chase a dream home post-auction, restructure assets for retirement, or explore SMSFs as a way to diversify and leverage superannuation, Campbell cuts through the noise with practical, numbers-driven advice. He discusses the real cost of holding underperforming investments, how to assess whether an advisor is actually adding value, and the common pitfalls of over-contributing to super when tax benefits are marginal. For listeners who’ve built up significant property equity but now want more lifestyle freedom, Campbell provides guidance on when to upgrade your home, when to walk away from additional property investment, and how to think about risk-adjusted returns from ETFs versus real estate. This episode is a must-listen for anyone balancing ambition with lifestyle, and aiming to make smart, long-term decisions that align with both financial security and personal fulfilment. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 362: 4 property (evidence-based) golden rules | 24 Jun 2025 | 00:33:59 | |
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 how identifying the right cycle makes a significant difference. Next, he breaks down the math behind wealth accumulation, leveraging full borrowings, negative gearing, and compounding capital growth to create outsized long-term returns. He contrasts property with shares to explain why property is often the better vehicle for gearing. Finally, Stuart stresses future buyer capacity; understanding who will be able to afford your property in 10, 20, or 30 years is key to selecting high-performance assets. He unpacks the roles of credit policy, urban sprawl, and wealth inequality in fuelling long-term growth. This episode is a must-listen for anyone serious about building long-term wealth through strategic property investing. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: What to do if most of your wealth is in property; update home or invest? | 23 Jun 2025 | 00:30:36 | |
In this Q&A episode, Stuart tackles one of the most pressing challenges facing many Australians today: how to make smart financial moves when most of your wealth is tied up in property. He explores the tension between long-term investment strategy and short-term lifestyle pressure, helping listeners find a better balance between financial progress and personal well-being. From assessing whether a self-managed super fund (SMSF) is a wise move to managing multiple investment properties with tight cash flow, Stuart offers clear, strategic thinking on how to future-proof your finances while reducing financial stress. He also delves into key questions like whether to upgrade your home or invest further, how to think about property versus shares in a changing market, and the value of liquidity and flexibility as you approach retirement. Throughout, Stuart keeps the focus practical and empathetic, guiding listeners through complex decisions with clarity and a long-term lens. If you’re trying to decide what to do with your next investment dollar, wondering whether to hold or sell, or simply aiming for more freedom without sacrificing your financial future, this episode is packed with insights to help you move forward with confidence. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 361: How does Vanguard Super stack up? | 17 Jun 2025 | 00:31:22 | |
In this episode, Stuart breaks from tradition to deliver an exclusive review of Vanguard Super, Vanguard’s bold foray into the Australian superannuation market. Known for his commitment to independence and strategy-first insights, Stuart explores why Vanguard’s entry could be a game-changer for Australians dissatisfied with the opaque and politically entangled operations of traditional industry super funds. He delves into Vanguard’s unique not-for-profit structure, ultra-low fees, tech-forward administration through Grow Inc., and its world-class investment expertise. While Vanguard Super is still small, its rapid growth and financial sustainability signal promising potential. Stuart also offers a deep dive into Vanguard’s investment options, explains why he recommends the High Growth option for long-term investors and compares fees with heavyweights like AustralianSuper and UniSuper, revealing a clear cost advantage. He even tackles often-overlooked areas like insurance quality and tax implications of pooled vs. non-pooled products. If you're exploring superannuation alternatives or want expert insight into how Vanguard stacks up, this episode is packed with analysis you won’t want to miss. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Investment planning when cash flow is uncertain, when to buy forever home and more... | 16 Jun 2025 | 00:36:05 | |
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 strategy in a volatile market, and Stuart offers perspective on diversification and timing. Finally, Blair and Robyn wrestle with whether to sell and upgrade their Sunshine Coast home before moving to New Zealand, trying to predict growth and manage cash flow with future repatriation plans. Stuart brings thoughtful insights to each case, blending strategy, realism, and empathy—perfect for anyone planning for property, retirement, or investment in uncertain times. Tune in for practical takeaways and sharp commentary! Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 360: Factors to consider when setting a property budget | 10 Jun 2025 | 00:39:06 | |
In this episode, Campbell Wallace explores one of the most crucial steps in any property journey: setting the right budget. He breaks the process into two key questions, how much you can borrow vs. how much you should borrow, and explains why borrowing capacity alone shouldn't drive your decision. Campbell outlines:
He also warns against letting location dictate your budget and shares the golden rule: budget first, property second. Plus, a reminder not to ask your barber if you need a haircut—always be mindful of biased advice. If you're thinking about your next property purchase, this episode will help you set a smart, strategy-aligned budget that supports your long-term wealth goals. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Adjust ETF cost base annually, help kids into property, asset allocation in retirement and more... | 09 Jun 2025 | 00:31:00 | |
In this Q&A episode, Stuart addresses a wide range of listener questions, from technical ETF tax adjustments to retirement planning strategies using superannuation. He starts by explaining how ETF investors need to account for AMIT cost base adjustments when calculating capital gains tax—an often overlooked detail that could mean paying more tax than necessary. He breaks down what AMIT is and why it matters for investors who regularly receive ETF tax statements. Next, Stuart gives thoughtful advice on helping children into the property market, tackling the challenges of managing differing time horizons and property goals across siblings. He outlines a balanced approach to structuring property purchases with long-term capital growth in mind. He also responds to a listener planning to move to Brisbane and build a home while selling underperforming investment properties. Stuart discusses how to balance serviceability, construction timing, and preserving cash against inflation. Finally, he covers asset allocation in retirement, addressing whether it’s risky to have all super invested in a lifecycle fund when to consider diversifying into property and whether cash buffers are needed for market downturns. This is a helpful episode for anyone navigating wealth building, tax strategy, or long-term planning. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 359: How bad does a property need to be to warrant selling it? | 03 Jun 2025 | 00:32:24 | |
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this episode, Stuart tackles a tricky but important question: how bad does a property need to be to justify selling it? If you suspect a property in your portfolio isn't investment-grade, Stuart walks through a step-by-step process to assess whether replacing it could make you significantly better off—after factoring in selling costs, stamp duty, buyer’s agent fees, and capital gains tax. He explains how to:
He also highlights key questions to consider before making a decision:
This episode is packed with real numbers, smart frameworks, and cautionary insights. If you're unsure whether to hold or sell a lagging property, this is essential listening. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: My target audience, investing in US domicile ETFs and whether to repay P&I to minimise interest rate... | 02 Jun 2025 | 00:35:55 | |
In this Q&A episode, Stuart explores whether his financial strategies apply broadly or mainly to wealthier Australians, responding to recent data showing few households have $2M+ in super. He explains how his goal is to equip a wide range of listeners to make better decisions, regardless of starting point, and why aiming high with financial goals can still be relevant and motivating. He also answers a question on US-domiciled ETFs, covering tax implications, currency risk, and whether Irish-domiciled UCITS ETFs can provide a more efficient option for long-term Australian investors. He discusses how income, reporting, and capital gains are treated, and clarifies some common misconceptions. Next, Stuart tackles whether it’s worth switching investment property loans from interest-only to principal and interest, weighing the opportunity cost of redirecting cash flow toward debt versus other investments or paying down a PPR loan. Finally, a listener outlines their detailed financial plan and asks if they should stretch their home budget, buy an investment property, or stay the course with ETF investing and super. Stuart walks through key considerations around private school costs, inheritance timing, and borrowing strategy. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 415: Tax grabs dressed up as housing policy: what investors need to know | 30 Jun 2026 | 00:36:18 | |
Pre-order Wealth By Design Here Both Houses have passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. Royal Assent is pending but considered a formality. For investors, property owners, business owners, and superannuation members, the changes are substantial, and the details matter enormously. This blog provides a clear, technical breakdown of what the legislation actually does. Negative gearing losses on established residential property purchased after Budget night will be quarantined from 1 July 2027, with existing properties grandfathered under previous rules. The 50% CGT discount is replaced by cost base indexation and a new minimum 30% tax on capital gains, a change that, for long-term investors in assets growing at 7% per annum, lifts the effective tax rate from roughly 20–23% to around 30–35%. SMSFs lose the ability to borrow for residential property, with a commencement date of approximately mid-August 2026. Trust capital gains rules are also changing, though the legislation has not yet been released. Stuart addresses the government's framing directly: the claim that these changes improve housing affordability is not supported by the Treasury's own modelling, nor by the historical record in Australia, New Zealand, or the United Kingdom. These are tax revenue measures. The blog also covers the new $250 worker tax offset, the $1,000 instant work-related deduction, important transition rules for existing assets, and why low-income taxpayers with unrealised gains should consider crystallising them before 1 July 2027. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 358: How much wealth is enough? | 27 May 2025 | 00:32:15 | |
Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this episode, Stuart tackles one of the most important financial planning questions: how much is enough? He shares his personal philosophy—invest just enough to meet your goals comfortably, but no more—and reminds listeners that wealth is a means to enjoy life, not just a number to chase. Stuart explains how to think about wealth targets, offering a clear framework for calculating how much you need to fund different retirement lifestyles. He covers:
He also addresses the mental challenge of switching from saver to spender, and why starting early—even with small amounts—makes a big difference. Whether you’re in your 30s, 50s, or already retired, this episode offers a grounded, practical, and values-based approach to wealth building. Tune in to rethink your goals, reset your expectations, and align your money with your life. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Co-investing in property considerations, selling property to adult children, rebalancing portfolios and more... | 26 May 2025 | 00:35:07 | |
Register for live event on 28 May at 7pm In this Q&A episode, Stuart dives into questions around co-investing in property with family, selling to adult children, managing tax exposure, and adjusting share portfolios amid market volatility. He begins by exploring the complexities of joint property ownership among siblings, highlighting the importance of equal ownership, clear legal structures, and protective clauses to manage risk, especially around relationship breakdowns or financial stress. He also covers how to structure a family property when parents will live in it, including handling rental income and tax compliance. Next, Stuart responds to a parent considering selling 50% of an investment property to their daughter and her partner. He explains the capital gains tax and structuring implications, and whether the strategy is a sound path toward intergenerational wealth transfer. The episode also features guidance on portfolio rebalancing in volatile markets, including whether to reduce concentrated holdings or invest in emerging market ETFs—plus a few fund suggestions for those looking at Asia. Lastly, Stuart clarifies the six-year CGT exemption rule and answers a property strategy question for a couple struggling to balance rentvesting, affordability, and long-term home ownership. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 357: Resurgence of investment-grade apartment prices in Melbourne | 20 May 2025 | 00:30:46 | |
Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this episode, Stuart revisits a call he made nearly five years ago—that investment-grade apartments in Melbourne were due for a growth cycle. After a long period of underperformance, the signs are finally pointing to a market turning point. He outlines the key forces driving a potential resurgence:
Stuart also draws a comparison to Brisbane, where apartment prices surged nearly 60% after a 13-year flat spell. Could Melbourne be next? A recent sale in Hawthorn may already be hinting at a shift. If you've been holding an investment-grade apartment or are considering entering the market, this episode is packed with data, strategy, and timing insights. Tune in to understand why the next growth phase could be closer than you think. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Whether to sell ungeared property, property equity funding retirement, property strategy in Sydney... | 19 May 2025 | 00:31:44 | |
Register for live event on 28 May at 7pm In this Q&A episode, Stuart explores whether it's worth holding low- or ungeared property investments when shares often offer higher returns. He explains why opportunity cost matters—but also why property’s stability, tax treatment, and long-term compounding still make it a valuable part of a diversified portfolio. He also answers a common question: if you don’t plan to sell your investment properties, how do you turn that equity into cash flow in retirement? Stuart outlines several strategies, including using offsets, redrawing, or modest leverage to access equity without selling. The episode then shifts to property strategy, with a listener debating whether to buy now in Sydney, wait to purchase in their ideal suburb or invest interstate. Stuart unpacks the trade-offs between negative gearing, borrowing limits, and timing the market. Finally, he responds to a listener deciding whether to sell a Geelong property to buy in Queensland or hold it under the six-year rule while rentvesting. Whether you’re managing equity-rich properties, planning a home upgrade, or navigating high interest rates, this episode offers practical, thoughtful strategies to help guide your next move. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 356: How to choose an investment option in super | 13 May 2025 | 00:32:35 | |
Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this episode, Stuart shares practical advice for one of the most important superannuation decisions you'll make: how to invest your super once you've chosen your fund. He explains the differences between pre-mixed investment options like Conservative, Balanced, Growth, and High Growth, and why you can't always trust the label. Some “Balanced” options are really aggressive, so always check the underlying asset allocation. Stuart breaks down the two key factors to consider: your time horizon and your risk tolerance. If you're under 50, the evidence clearly shows that growth assets (like shares and property) outperform over the long term—even if they’re more volatile. For those not accessing super for decades, that volatility is worth enduring. He also warns against common mistakes like mixing investment options, trying to manage your own asset allocation, or using DIY investment tools without advice. Instead, he recommends choosing one pre-mixed option that matches your goals and sticking with it. Whether you're just starting out or approaching retirement, this episode will help you make a smarter, evidence-based choice for your super. Tune in and take control of your long-term financial future. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: When to increase super contributions, offset or redraw, super or property and more… | 12 May 2025 | 00:31:34 | |
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 pros and cons of contributing to super (both concessional and non-concessional), buying property (including the impact of Melbourne’s land tax), or investing in ETFs—especially during periods of market volatility. George’s goal is to retire at 62, and Stuart offers a strategy that balances growth potential with tax efficiency. Shan and his wife, both in their mid-30s, wanted to understand when it makes sense to increase super contributions, given they already have a mortgage-free home and neutral investment properties. Stuart outlines the questions young families should ask when weighing super versus other wealth-building paths during their peak earning years. Pat, 32 and a company director asked when a family trust becomes more beneficial than investing personally. With a growing share portfolio, he wanted clarity on the cost-benefit tipping point for using a trust structure—especially in a down market where transferring assets might carry lower CGT. Finally, Vanessa explored whether to use inherited funds to purchase a property within super or invest in ETFs now and contribute later. Stuart shares general insights on liquidity, long-term growth, and the trade-offs between inside and outside super environments. If you’re weighing super, property, ETFs or trust structures—or trying to figure out when to dial up your retirement strategy—this episode is packed with valuable insights. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 355: Property ownership in personal names - factors to consider | 06 May 2025 | 00:33:08 | |
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this episode, Stuart breaks down the key factors to consider when owning property in your personal name. While it is the most common structure among investors, there are important decisions to make that can have a lasting impact on your tax outcomes, cash flow, and asset protection. He outlines the three main ownership options: sole ownership, joint ownership, and tenants-in-common. Each structure comes with its own benefits. For example, sole ownership may maximise negative gearing if one spouse has a higher income, while a tenants-in-common split can be tailored for tax efficiency and cash management. Stuart also explains how ownership affects land tax thresholds, capital gains tax, and estate planning. He shares strategies using offset accounts to optimise loan structure, particularly for couples with uneven incomes. When it comes to your family home, Stuart covers when asset protection or future investment use might influence how it should be owned. The key takeaway is that changing ownership after purchase is usually expensive and triggers stamp duty or CGT, so it is essential to get it right from the start. If you are planning to buy property soon, this episode will help you choose the best ownership structure for both current and future circumstances. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Case Study: Six-fold increase and now ready for retirement | 05 May 2025 | 00:30:16 | |
In 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 of equity. A new investment property purchased in Melbourne in 2018 has added $600k in equity. Their superannuation has grown to $1.2 million, and family trust investments amount to $595k. Their net investment assets now total $3.15 million, a six-fold increase, with $1 million of that coming from debt reduction. Stuart highlights key strategies that contributed to their success, such as diversifying investments, optimizing super, and consistently investing in shares since 2020. He also discusses the importance of effective cash flow management and reducing unnecessary insurance cover. The couple, now 64 and 61 years old, are ready to retire comfortably. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 354: What to do if you are not ready for financial advice… yet | 29 Apr 2025 | 00:35:40 | |
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. He explains the difference between straightforward and complex financial decisions. Early in your wealth-building journey, most choices are straightforward if you educate yourself on the fundamentals and find a great professional mentor—like a savvy mortgage broker or accountant—to guide and reassure you. Stuart also gives real-world examples of how mentorship and basic strategic advice have helped clients successfully build property portfolios and secure financial freedom—without initially needing full-service advice. However, he warns that when financial complexity increases, or if you lack confidence in making investment decisions, it’s crucial to know when to bring in a qualified financial advisor. If you’re early in your journey and wondering how to move forward wisely without overpaying for advice, this episode is essential listening. Stuart offers clear, experience-backed guidance to help you stay on track while you build your foundation. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Interest-only loans, transferring investment ownership, education bonds and more... | 28 Apr 2025 | 00:32:45 | |
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 factors to consider, including capital gains tax implications and long-term flexibility. For those planning education funding, Stuart addressed whether education bonds are an efficient way to save for private school fees compared to a regular share portfolio, and the pros and cons of setting up one bond per child versus one combined bond. The episode also covered the nuances of land value growth for units versus houses, and how to think about the land-to-asset ratio when assessing long-term investment prospects. Finally, Stuart reviewed a detailed family financial plan involving superannuation consolidation, wrap platforms, education bonds, and SMSF management, offering broad principles to help guide listeners facing similar decisions. As referenced during the episode, you can also listen to Don’t Wait Until It’s Too Late – Strategic Retirement Planning here. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Inheritance, relationship uncertainty, and the property timing question | 29 Jun 2026 | 00:31:40 | |
Pre-order Wealth By Design Here This episode brings together six listener questions that each involve a meaningful financial decision and, in several cases, significant personal uncertainty alongside significant financial capacity. The first comes from a couple in their late thirties who received a substantial inheritance, now holding $3.6m in cash alongside a share portfolio and three properties. They have developed a dual-trust structure with a corporate beneficiary and are seeking a sense-check on whether the approach is sound and whether property still deserves a place in the plan. The second involves a newly migrated retiree with no Australian income, substantial overseas cash, and five possible approaches to buying property, each with different stamp duty, CGT, and inheritance implications for her two adult daughters. The third is a series of practical questions about transition to retirement arrangements, when they make sense, what super balance is needed for a modest 25-year retirement, and the tax implications of transferring an investment property to children. The fourth comes from a 37-year-old in WA with a fully paid-off home, a first child arriving, and a strong savings rate, asking how to prioritise between investment property, shares, and super contributions from here. The fifth involves a 35-year-old FIFO worker with $536k in savings and investments, strong borrowing capacity, and genuine uncertainty about whether to buy a Perth home alone, jointly with a partner, or through a leapfrog strategy given where the relationship currently sits. The sixth is a 45-year-old couple with a $300k inheritance, a nearly paid-off Sydney home, three recently purchased investment properties, and a simple question: is paying off the home loan and topping up super really the best use of the windfall? Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 353: Are property plans worth paying for? | 22 Apr 2025 | 00:32:23 | |
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this episode, Stuart takes a critical look at property planning services, which promise to help you build a portfolio by mapping out your borrowing capacity, cash flow, and investment strategy—for a price tag of $4,000 to $5,000. He explains why these plans might work if you’re committed to only ever investing in property. But if you want holistic advice that considers shares, super, tax, insurance, and retirement planning, property plans often fall short. Stuart outlines key limitations—like the lack of licensing, regulatory oversight, and inability to provide comprehensive tax or credit advice. He also questions whether these plans are truly tailored strategies or just templated sales tools aimed at generating buyers’ agent fees. That said, property plans can offer value in mapping geographic diversification and tenant profiles, especially for investors pursuing multi-property portfolios. But quality always trumps quantity—one $1.5M investment-grade property will likely outperform four $500K average ones. So, are property plans worth it? Stuart says: maybe—but only in narrow cases. For most people, you’re likely better off working with a financial adviser, accountant, and mortgage broker who can give broader, tailored, and regulated advice. Tune in for an honest, experience-backed breakdown of this increasingly common offering. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Q&A: Surprising tax saving on inheritance, investing in property overseas, repay mortgage or invest and more... | 21 Apr 2025 | 00:31:42 | |
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 affordability, against challenges such as foreign tax laws, currency risk, and lack of local knowledge. In Tom’s case, the classic dilemma of repaying a mortgage versus investing is explored in detail. Stuart helps Tom assess whether to hold onto a non-investment-grade property, how to optimise surplus income post-property upgrade, and whether using equity to buy an investment-grade asset might deliver better long-term returns. Andy’s scenario focuses on property ownership structuring and tax efficiency. Stuart breaks down how adjusting ownership percentages between spouses can optimise negative gearing benefits, especially when incomes are uneven. He also addresses the often-overlooked role of bonds in asset allocation, particularly for those with mortgages and offset accounts. Finally, Stuart answers Adam’s niche query about testamentary trusts and corporate beneficiaries, clarifying the flow of profits and tax treatment when a company is owned by a trust, and whether the concessional tax treatment for minors still applies. Whether you’re investing for children, managing large-scale debt, exploring offshore property, or trying to perfect your tax setup—this episode delivers clarity, strategy, and actionable ideas. Tune in now! Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||
| Ep 352: Banks and miners: Where to from here for the Australian stock market? | 15 Apr 2025 | 00:31:53 | |
New Report: The Evidence-Based Approach to Investing in Property & Shares: download 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 be time for investors to take profits. Meanwhile, Macquarie Bank stands out with solid long-term growth and attractive valuation. On the mining side, copper is booming, offering hope for BHP and Rio despite iron ore headwinds and China uncertainty. Stuart also explores alternative ETF strategies like equal-weight and ex-top-20 indices, which reduce exposure to overpriced large caps and give broader diversification. If you’re concerned about valuation risk, market concentration, and how to position your portfolio for the future, this episode is essential listening. Stuart offers practical, data-backed insights to help you rethink how you're investing in the ASX. Our most popular free guides: Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes. My new book, Wealth by Design, is out now: Buy online or in bookstores. The ebook is available now, audiobook coming soon. Got a question for the podcast? Email us at questions@investopoly.com.au Interested in working with our team? Discover how we can work together Subscribe to my weekly blog: Important This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional. | |||