Investopoly

Ep 407: The investors who obsess over tax often miss what matters more

05 May 2026

Contributed by Lukas

Read Full Blog HereRegister For Live Event HereTax is psychologically painful, but for investors, over-fixating on it is a genuine risk. The drive to ...

Q&A - Simplicity vs Optimisation: leverage, liquidity, and super strategy

04 May 2026

Contributed by Lukas

This episode brings together three listener questions that each wrestle, in different ways, with the tension between financial optimisation and practi...

Ep 406: The policy risk most property investors are ignoring

28 Apr 2026

Contributed by Lukas

Read Full Blog HereAustralian property investment is facing a structural shift, and regulatory change is at the centre of it. This blog examines how r...

Q&A - The hidden cost of concentration: real scenarios, real trade-offs

27 Apr 2026

Contributed by Lukas

Through a series of real investor scenarios, this blog examines the structural challenges that emerge when wealth is heavily concentrated in property,...

Ep 405: How to construct an ETF portfolio

21 Apr 2026

Contributed by Lukas

Read Full Blog HereThere are two sensible ways to invest in ETFs: use a diversified, all-in-one fund, or build your own portfolio. Both can work. The ...

Q&A - Real investor dilemmas: what complex portfolios reveal about strategy and risk

20 Apr 2026

Contributed by Lukas

Real investors rarely face clean, textbook decisions. Portfolios are messy, life changes, and the right move in one context can be the wrong move in a...

Ep 404: How to deal with investment concentration risk

14 Apr 2026

Contributed by Lukas

In this episode, Stuart breaks down what concentration risk really means and why it is not just about returns, but dependence. From large shareholding...

Q&A - Stock research, SMSF rebalancing & the debt recycling vs investment property

13 Apr 2026

Contributed by Lukas

In this Q&A episode, Stuart tackles four listener questions spanning stock selection, portfolio restructuring, debt strategy, and retirement incom...

Ep 403: Lump sum share market investing: risky or rational

07 Apr 2026

Contributed by Lukas

Read Full Blog HereInvesting a large lump sum into the share market can feel risky, but is spreading it out actually safer, or just more comfortable?I...

Q&A - When good options compete: property, super & the art of the trade-off

06 Apr 2026

Contributed by Lukas

In this week's Q&A episode, Stuart works through real-life scenarios where the challenge isn't finding a good option; it's choosing...

Ep 402: The real risk in retirement: working too long and spending too little

31 Mar 2026

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart explores a lesser-discussed but increasingly important risk in financial planning: not running out of money...

Q&A - Can you retire early without taking big risks?

30 Mar 2026

Contributed by Lukas

In this episode, Stuart explores a powerful theme across multiple listener scenarios: is it possible to achieve early retirement without aggressive ri...

EP 401: Beyond the median: what actually drives property outperformance in melbourne

24 Mar 2026

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart challenges the idea that Melbourne property has been a poor performer by digging beneath the median data an...

Q&A - When your dream home conflicts with your wealth plan

23 Mar 2026

Contributed by Lukas

In this episode, Stuart unpacks a complex and relatable dilemma: what happens when your long-term wealth strategy collides with a major lifestyle goal...

Ep 400: CGT discount changes: what property investors should do now

17 Mar 2026

Contributed by Lukas

Read Full Blog HereRegister HereIn this episode, Stuart breaks down the growing political debate around capital gains tax (CGT) and what potential cha...

Q&A - Preparing for retirement: prioritising debt reduction, super contributions, and liquidity

16 Mar 2026

Contributed by Lukas

Register HereIn this Q&A episode, Stuart tackles three complex retirement planning scenarios involving superannuation strategy, debt reduction, an...

Ep 399: The Forever Test: Probably the most important concept investors must understand

10 Mar 2026

Contributed by Lukas

Read Full Blog HereRegister HereIn this episode, Stuart explores what he believes is the single most important principle in long-term investing: choos...

Q&A - Bitcoin, debt recycling & the 6-year rule: smart structuring for financial independence

09 Mar 2026

Contributed by Lukas

Register HereIn this wide-ranging Q&A episode, Stuart tackles advanced strategy questions across crypto, capital gains tax, debt recycling, super ...

Ep 398: Why non-bank lenders can significantly extend your investment capacity

03 Mar 2026

Contributed by Lukas

Read Full Blog HereRegister HereThe lending landscape has changed dramatically over the past two decades, and the gap between traditional banks and no...

Q&A - Buy the dream home or optimise the structure? Leveraging smartly in your late 30s and 40s

02 Mar 2026

Contributed by Lukas

In this strategic Q&A episode, Stuart explores two thoughtful listener scenarios centred on structure, leverage, and long-term optionality.First, ...

Ep 397: Australian vs International Shares: Why the 45:55 split does not add up

24 Feb 2026

Contributed by Lukas

Read Full Blog HereWhy do most diversified Australian portfolios still allocate nearly half of their equity exposure to Australian shares, when Austra...

Q&A - Structuring for smarter retirement: capital losses, property fatigue & the upgrade dilemma

23 Feb 2026

Contributed by Lukas

In this strategy-heavy Q&A episode, Stuart tackles sophisticated portfolio questions from high-income earners and mid-life investors recalibrating...

Ep 396: The AI trade – what can we learn from the dot-com bubble?

17 Feb 2026

Contributed by Lukas

Read Full Blog HereAI has moved from buzzword to investment obsession almost overnight. From semiconductors and data centres to software platforms and...

Q&A - Dream Homes, big incomes & borrowing power: When to upgrade, wait, simplify

16 Feb 2026

Contributed by Lukas

In this Q&A episode, Stuart unpacks a series of high-stakes property and borrowing decisions from listeners at very different life stages, from a ...

Ep 395: Financial modelling for wealth: advice or sales pitch?

10 Feb 2026

Contributed by Lukas

Read Full Blog HereFinancial modelling has become a powerful sales tool across the wealth industry, especially in property investing. In this episode,...

Q&A - Too Late or One More Move? Navigating investing, regret, and retirement decisions in your 40s and 50s

09 Feb 2026

Contributed by Lukas

In this in-depth Q&A episode, Stuart works through a series of listener questions that all circle the same tension: how to make confident investme...

Ep 394: Property vs Shares: The hidden incentives behind the advice

03 Feb 2026

Contributed by Lukas

Read Full Blog HereConflicts of interest are everywhere in financial services, but the most influential ones are often the least visible. In this epis...

Q&A - How much debt is too much? net worth, upgrading homes, late starts, and navigating big financial trade-offs

02 Feb 2026

Contributed by Lukas

In this wide-ranging Q&A episode, Stuart tackles some of the most common and confronting questions listeners face as their wealth grows and decisi...

Ep 393: Does ethical investing generate better or worse returns?

27 Jan 2026

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart takes an evidence-based look at ethical, ESG, and sustainable investing, cutting through the marketing to f...

Q&A - Early retirement goals, messy portfolios, and real-world trade-offs: bonds, redraws, SMSFs, and lifestyle shifts

26 Jan 2026

Contributed by Lukas

This Q&A episode steps away from headline strategies and focuses on the decisions real households wrestle with once life, family, and fatigue star...

Ep 392 : A two-speed property market in 2026: where prices rise (and where they won’t)

20 Jan 2026

Contributed by Lukas

Read Full Blog HereIf you’re planning to buy, sell, upgrade, or invest in property in 2026, this episode cuts through the noise and focuses on what ...

Q&A - Lifestyle upgrades versus financial independence, late-stage property decisions, family trust tax risks, and more

19 Jan 2026

Contributed by Lukas

In this episode, Stuart works through a series of real-world questions that sit right at the intersection of money, lifestyle, and long-term strategy....

Ep 391: Wealth First Principles # 4: The hidden engine of wealth

13 Jan 2026

Contributed by Lukas

Read Full Blog HereMost people chase investment tips; few build the engine that powers every strategy: cash flow and debt discipline. In this final We...

Kids’ Inheritance, ETF vs Property, & Smarter Super: Your Blueprint Q&A

12 Jan 2026

Contributed by Lukas

In this power-packed Q&A, Campbell dives into real scenarios many Aussies face, from managing a $50k inheritance for teens inside a trust (ETF com...

Ep 390: Wealth First Principles #3: How to build a share portfolio that works

06 Jan 2026

Contributed by Lukas

Read Full Blog HereShares play a different role than property, and that’s their superpower. In this third Wealth First Principles instalment, we out...

Q&A - Structure First: Using Equity, Super Tactics & Smarter Portfolio Moves

05 Jan 2026

Contributed by Lukas

In this Q&A, Campbell tackles four big themes that trip up otherwise savvy investors: structure, borrowing capacity, super strategies, and sequenc...

Ep 389: Wealth First Principles #2: A step-by-step strategy for property investing

30 Dec 2025

Contributed by Lukas

Read Full Blog HereMost investors rush into property with tactics, not strategy, and pay for it in mistakes that are costly to buy, hold, and unwind. ...

Q&A: Develop, Rent-Invest or Debt-Recycle? Structures, Tax & Capacity

29 Dec 2025

Contributed by Lukas

Stuart runs a strategy clinic on three big crossroads for investors: small-scale development, rent-vesting vs. holding the home, and using debt-recycl...

Ep 388: Wealth First Principle #1: How wealth is actually built – The Wealth Equation

23 Dec 2025

Contributed by Lukas

Read Full Blog HereStuart opens with Wealth First Principles, explaining how real fortunes are built through three key inputs: a durable cash-flow sur...

Super vs Flexibility, Debt vs Growth: Q&A on Contributions, Gearing, and Renovation Timing

22 Dec 2025

Contributed by Lukas

In this Q&A, Stuart unpacks two meaty, real-world dilemmas that many high-earning families face. First: should you prioritise concessional super c...

Ep 387: Should you be an active property investor if your budget is under $1m

16 Dec 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart makes the case for becoming a value-add property investor when budgets are tight. Rather than stretching fo...

Family property transfers, rising insurance premiums, and where to deploy surplus cash: Q&A on tax, debt, and long-term strategy

15 Dec 2025

Contributed by Lukas

In this Q&A episode, Stuart works through a series of nuanced listener questions that all sit at the intersection of tax, structure, and long-term...

Ep 386: Which is better: REIT or direct property?

09 Dec 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart pulls apart the perennial “REITs vs direct property” debate and shows why they’re not substitutes but...

Why asset quality matters more than timing: Q&A on apartments, upgrades, Geelong, borrowing capacity, and early investing

08 Dec 2025

Contributed by Lukas

In this Q&A episode, Stuart tackles a wide mix of real-world scenarios that highlight a consistent theme: asset quality and long-term strategy mat...

Ep 385: Should you fix your mortgage - If not now, when?

02 Dec 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart tackles the perennial question: should you fix your mortgage rate—if not now, when? He reframes “normal...

Q&A - Property-Heavy Portfolios, When to Stop Accumulating, and Choosing the Right Next Investment Move

01 Dec 2025

Contributed by Lukas

In this Q&A, Stuart tackles six real-world dilemmas listeners are wrestling with. He opens with superannuation, weighing Hostplus High Growth vs I...

EP 384: Why relying on property sales data alone could be a big mistake!

25 Nov 2025

Contributed by Lukas

Read Full Blog HereIn this episode of Investopoly, Stuart unpacks why relying solely on property sales data, no matter how comprehensive, can lead inv...

Q&A - From First-Home Buyers to $12M Portfolios: Smart Next Moves at Every Stage of Wealth

24 Nov 2025

Contributed by Lukas

In this episode of Investopoly, Stuart dives into a diverse and thoughtful mix of listener questions, spanning early-stage investing to high-net-worth...

Ep 383: The new and improved $3M super cap

18 Nov 2025

Contributed by Lukas

Read Full Blog HereIn this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting w...

Q&A - Sell, Subdivide, or Supercharge? Navigating Big Money Moves

17 Nov 2025

Contributed by Lukas

In this week’s Q&A episode of Investopoly, Stuart tackles a wide range of insightful listener questions. Julianne kicks things off by asking for...

Ep 382: Tax planning for PAYG employee – you need to think differently!

11 Nov 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart unpacks why PAYG employees need to approach tax planning differently and why the system is stacked against ...

Q&A - Securing Your Forever Home and Building Financial Freedom

10 Nov 2025

Contributed by Lukas

>> Register here to join the session.  <<In this Q&A episode, Stuart tackles a wide range of strategic questions from listeners navig...

Ep 381: Warning- Property investors should ignore the last 5 years of data

04 Nov 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart explains why property investors need to be cautious when relying on the last five years of price data. He o...

Q&A - Rethinking retirement, property opportunities, and financial structures

03 Nov 2025

Contributed by Lukas

In this episode, Campbell addresses a wide range of thoughtful listener questions covering retirement planning, property strategy, superannuation stru...

Ep 380: An evidence-based approach to constructing an investment portfolio

28 Oct 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart unpacks what it really means to construct an evidence-based investment portfolio and why portfolio construc...

Q&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of Wealth

27 Oct 2025

Contributed by Lukas

In this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique...

Ep 379: Momentum investing- Useful when investing in property or shares

21 Oct 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart takes a deep dive into momentum investing, what it is, how it works in theory, and whether it holds up in p...

Q&A - Property vs shares, selling decisions, and smart retirement strategies

20 Oct 2025

Contributed by Lukas

In this episode, Stuart tackles one of the most frequently asked investing questions: property vs. shares, but through a sharper lens: how leverage, g...

Ep 378: The one, evidence-based factor that predicts property price movements

14 Oct 2025

Contributed by Lukas

Read Full Blog HereIn this data-driven episode, Stuart explores what really predicts property price movements, beyond the headlines about population g...

Q&A - Property swaps, school zones, early retirement plans, and when to let compounding do the work

13 Oct 2025

Contributed by Lukas

In this packed Q&A episode, Stuart answers listener questions from all stages of life and wealth, covering everything from young families building...

Ep 377: Are wholesale investors offered better investment options? 

07 Oct 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart examines whether being a wholesale investor truly unlocks better investment opportunities or is merely a mo...

Q&A - Private banking, commercial property concerns, when to sell property

06 Oct 2025

Contributed by Lukas

In this Q&A-packed episode, Stuart tackles a broad range of listener questions covering everything from starting in your 30s to optimising a $5 mi...

How to Avoid the 17% Super Death Tax

30 Sep 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Campbell Wallace tackles one of the most overlooked yet significant taxes in retirement planning: the 17% superann...

Q&A - ETF portfolio structuring, property versus ETFs, what Stuart would do differently and more

29 Sep 2025

Contributed by Lukas

In this Q&A episode, Stuart answers a range of insightful listener questions on wealth-building strategies through property, ETFs, and superannuat...

Ep 375: What is your return on borrowing capacity (RoBC)

23 Sep 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart introduces a powerful framework for property investors: Return on Borrowing Capacity (RoBC). With borrowing...

Q&A - How much is enough, don’t risk tax benefits, funding renovations and more

22 Sep 2025

Contributed by Lukas

In this episode, Stuart addresses a wide range of thoughtful listener questions, focusing on managing risk, balancing lifestyle with long-term wealth,...

Ep 374: Testamentary trusts and other estate planning strategies

16 Sep 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart delves into the practical benefits and strategic importance of including a testamentary trust in your will....

Q&A - Should we buy in Melbourne, development CGT, FHB advice and more

15 Sep 2025

Contributed by Lukas

In this Q&A episode, Campbell Wallace answers a wide range of listener questions from first-home buyers to seasoned investors navigating tax and s...

Ep 373: Property Management- How to manage the manger and picking a tenant

09 Sep 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Stuart tackles a vital topic for every property investor: how to manage your property manager effectively, rather ...

Q&A - Which ETFs to use, balancing super tax, fees and returns, parking money in offset and more

08 Sep 2025

Contributed by Lukas

In this comprehensive Q&A episode, Stuart answers a wide range of listener questions spanning early retirement, home loan strategy, asset allocati...

Ep 372: How to navigate rising land tax

02 Sep 2025

Contributed by Lukas

Read Full Blog HereIn this episode, Campbell explores one of the biggest creeping costs for property investors today, land tax, and why its rising imp...

Q&A - Should Tammy sell, which property, super access and commercial property in SMSF

01 Sep 2025

Contributed by Lukas

In this Q&A episode, Stuart dives into some complex and common questions from listeners navigating investment property decisions, superannuation s...

Ep 371: Beware of property spruikers: How to spot a property fad

26 Aug 2025

Contributed by Lukas

Read full blog here.In this episode, Stuart sounds the alarm on property spruikers and how to spot the latest fads that can lead unsuspecting investor...

Q&A - Is it worth switching to Vanguard Super, home upgrade strategy, fixing cash flow

25 Aug 2025

Contributed by Lukas

In this Q&A episode, Stuart answers a diverse set of listener questions covering retirement preparation, home upgrade decisions, cash flow optimis...

Ep 370: Does long-term data tell us where to invest in property?

19 Aug 2025

Contributed by Lukas

Read full blog here.In this data-rich episode, Stuart takes a deep dive into what 40 years of long-term data reveals about property investing across A...

Q&A - Planning with uncertainty, how to find useful property growth data and more

18 Aug 2025

Contributed by Lukas

In this Q&A episode, Stuart answers an insightful mix of listener questions that span health, housing, retirement planning, and how to balance lif...

Ep 369: Strap yourself in for some tax reform – here are some suggestions

12 Aug 2025

Contributed by Lukas

Read full blog here.In this forward-looking episode, Stuart unpacks a range of bold ideas for tax reform in Australia, urging policymakers to think be...

Q&A - Rebalancing super, is property concentration a problem, when should you sell property

11 Aug 2025

Contributed by Lukas

In this episode, Stuart addresses a wide range of listener questions, focusing on smart super strategies, investment property decisions, and how to ba...

Ep: 368 Keep your powder dry: Sometimes it’s wise to invest less

05 Aug 2025

Contributed by Lukas

Read full blog here.In this episode, Stuart explores why sometimes the smartest investment strategy is to do less. With global markets hitting all-tim...

Q&A - Smart Property Moves, CGT Timing, and Building Wealth for the Long Term

04 Aug 2025

Contributed by Lukas

In this Q&A-packed episode, Campbell tackles a variety of real-life scenarios from listeners navigating property decisions, capital gains tax, and...

Ep: 367 Best super fund for 2025

29 Jul 2025

Contributed by Lukas

Read full blog hereIn this episode, Stuart reveals the results of his annual review of super fund performance, naming the best super fund for 2025. He...

Q&A - Property red flags, home upgrade and downgrade considerations, moving property equity into super

28 Jul 2025

Contributed by Lukas

In this Q&A episode, Stuart covers a wide range of real-life scenarios, offering clear insights on property strategy, superannuation, and retireme...

Ep 366: Boost your super balance by avoiding CGT for the rest of your life!

22 Jul 2025

Contributed by Lukas

Read full blog here In this episode, Stuart takes a deep dive into one of the most misunderstood aspects of superannuation, how unrealised capital ga...

Q&A - Is no negative gearing a problem, when to use a family trust, it’s a ‘who’ not ‘what’ question

21 Jul 2025

Contributed by Lukas

In this Q&A episode, Stuart tackles a wide range of complex financial and property questions from listeners navigating wealth-building decisions. ...

Ep 365: Employee share schemes- How to use them to build personal wealth

15 Jul 2025

Contributed by Lukas

Read full blog hereIn this episode, Stuart explores how to build personal wealth through employee share schemes (ESS), breaking down everything from R...

Q&A - Loan structures, how to minimise tax in retirement, why a property strategy won’t work

14 Jul 2025

Contributed by Lukas

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 ...

Ep 364: Can annual property growth persist at 7% perpetually

08 Jul 2025

Contributed by Lukas

Read full blog here.In this insightful episode, Stuart Wemyss addresses a common investor question: Can Australian property values continue growing at...

Q&A - Structuring $200k p.a. retirement income, a common strategy mistake, and defining investment-grade property.

07 Jul 2025

Contributed by Lukas

In this insightful Q&A episode, Stuart Wemyss dives into three real-life financial questions that highlight the importance of strategic planning a...

Ep 363: What are the best, safe, income-style investment options?

01 Jul 2025

Contributed by Lukas

Read full blog here.In this insightful episode, Stuart Wemyss explores the safest, most reliable income-generating investment options for risk-averse ...

Q&A: Property negotiation, retirement planning, home upgrade and more...

30 Jun 2025

Contributed by Lukas

In this Q&A episode, Campbell unpacks a range of nuanced financial scenarios submitted by listeners grappling with how to best use their wealth, e...

Ep 362: 4 property (evidence-based) golden rules

24 Jun 2025

Contributed by Lukas

Read full blog here.In this episode, Stuart Wemyss distils insights from over a decade and 150+ blogs into four golden, evidence-based rules for succe...

Q&A: What to do if most of your wealth is in property; update home or invest?

23 Jun 2025

Contributed by Lukas

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...

Ep 361: How does Vanguard Super stack up?

17 Jun 2025

Contributed by Lukas

Read full blog here.In this episode, Stuart breaks from tradition to deliver an exclusive review of Vanguard Super, Vanguard’s bold foray into the A...

Q&A: Investment planning when cash flow is uncertain, when to buy forever home and more...

16 Jun 2025

Contributed by Lukas

In this Q&A episode, Stuart dives into real-life financial dilemmas from listeners navigating pivotal moments in their wealth journeys. Daniel, a ...

Ep 360: Factors to consider when setting a property budget

10 Jun 2025

Contributed by Lukas

Read full blog here.In this episode, Campbell Wallace explores one of the most crucial steps in any property journey: setting the right budget.He brea...

Q&A: Adjust ETF cost base annually, help kids into property, asset allocation in retirement and more...

09 Jun 2025

Contributed by Lukas

In this Q&A episode, Stuart addresses a wide range of listener questions, from technical ETF tax adjustments to retirement planning strategies usi...

Ep 359: How bad does a property need to be to warrant selling it?

03 Jun 2025

Contributed by Lukas

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart tackles a tri...

Q&A: My target audience, investing in US domicile ETFs and whether to repay P&I to minimise interest rate...

02 Jun 2025

Contributed by Lukas

In this Q&A episode, Stuart explores whether his financial strategies apply broadly or mainly to wealthier Australians, responding to recent data ...

Ep 358: How much wealth is enough?

27 May 2025

Contributed by Lukas

Register for live event on 28 May at 7pmNew Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog he...

Q&A: Co-investing in property considerations, selling property to adult children, rebalancing portfolios and more...

26 May 2025

Contributed by Lukas

Register for live event on 28 May at 7pmIn this Q&A episode, Stuart dives into questions around co-investing in property with family, selling to a...