Investopoly

Ep 308: Warning: Does one spouse deal with all financial matters?

11 Jun 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart issues a crucial warning to couples: don't let one spouse handle all the financial matters. While it&...

Case Study: Financial freedom through property and super: a 15-year success story

10 Jun 2024

Contributed by Lukas

In this case study episode, Stuart and Frencham unveil a compelling 15-year journey towards financial freedom through property and superannuation. Beg...

Ep 307: How do you know if you’ve been too risk adverse?

04 Jun 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart explores the often-overlooked dangers of being too risk-averse in financial planning. He argues that an ex...

Case Study: What to do with employee shares

03 Jun 2024

Contributed by Lukas

In this case study episode, Stuart delves into the financial journey of a client he began working with in 2012. Back then, the client had $800k in net...

Ep 306: Should you buy an investment-grade apartment or a house in a secondary location?

28 May 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart tackles a common investment dilemma: should you buy an investment-grade apartment in a blue-chip location ...

Case Study: Beginning building wealth later in life  

27 May 2024

Contributed by Lukas

In this case study episode, Stuart delves into the financial journey of a couple who began building wealth later in life. Starting in 2009, they purch...

Ep 305: End of financial year tax planning tips for 2023/24

21 May 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart provides a comprehensive guide to end-of-financial-year tax planning strategies that can help maximise you...

Case Study: Property investors: know when to diversify

20 May 2024

Contributed by Lukas

In this case study episode, Stuart shares an insightful journey with long-term property investor clients. He highlights key lessons learned about the ...

EP 304: What is a strategic asset allocation? Why does it matter?

14 May 2024

Contributed by Lukas

Read full blog hereIn this episode, Stuart delves into the concept of strategic asset allocation and its critical importance in maximising long-term i...

Case Study: Make life easier for your loved ones

13 May 2024

Contributed by Lukas

In this case study episode, Stuart shares a poignant experience to highlight the importance of involving loved ones in financial planning and ensuring...

Ep 303: Melbourne property will deliver the strongest growth over the next decade

07 May 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart makes a compelling case for why the Melbourne property market is poised to deliver the strongest capital g...

Case Study: Restructuring a share portfolio across two ownership structures

06 May 2024

Contributed by Lukas

In this case study episode, Stuart shares insights from working with a high-income client who initially focused on building a property portfolio but l...

Ep 302: To what extent should you factor in an inheritance?

30 Apr 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart discusses the importance of considering potential inheritances when developing long-term financial plans. ...

Case Study: SMSF are often not necessary

29 Apr 2024

Contributed by Lukas

In this case study episode, Stuart shares a real-life example of how his approach to financial planning helped a client transition from an underperfor...

Ep 301: Advice for first time property buyers and their parents

23 Apr 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart provides valuable insights and practical advice for first-time property buyers and their parents. He empha...

Case Study: Overcapitalising isn’t necessarily a big deal

22 Apr 2024

Contributed by Lukas

In this episode, Stuart presents a fascinating case study that challenges the traditional view on overcapitalising on a home. The clients in focus own...

Ep 300: Is it safe to borrow to invest in shares? If so, how?

16 Apr 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart discusses the feasibility and strategies of borrowing to invest in shares. He compares the practice of lev...

Case Study: Spending more in the first 15 years of retirement

15 Apr 2024

Contributed by Lukas

In this case study episode, Stuart takes us through a real-life scenario of a client who retired at 55 with ambitious spending goals. The client wante...

Ep 299: 20 years of poor property growth… is the property party over?

09 Apr 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart delves into statistical analyses and economic insights, dissecting the nuanced factors influencing propert...

Case Study: Rebuilding wealth post-divorce

08 Apr 2024

Contributed by Lukas

In this captivating case study episode, Stuart delves into the real-life journey of rebuilding wealth post-divorce, offering invaluable lessons along ...

Ep 298: Six essential considerations when upgrading your home

02 Apr 2024

Contributed by Lukas

Read full blog here.In this insightful episode, Stuart dives into the critical factors to weigh when upgrading your home - a decision with both signif...

Case Study: Estate planning, tax minimisation and portfolio management

01 Apr 2024

Contributed by Lukas

In this compelling case study episode, Stuart shares a real-life example that masterfully combines estate planning, tax minimisation, and portfolio ma...

Ep 297: Here’s what I think about crypto

26 Mar 2024

Contributed by Lukas

Read the full blog here.In this episode, Stuart presents a compelling analysis of the merits and pitfalls of investing in digital assets. Despite rece...

Case Study: Property decisions have major long-term consequences

25 Mar 2024

Contributed by Lukas

In this episode, Stuart delves into the gravity of property decisions and their far-reaching consequences. He recounts a particularly challenging scen...

Ep 296: Should you ever prioritise short-term returns?

19 Mar 2024

Contributed by Lukas

Read full blog here.In this episode, Stuart Wemyss delves into the nuanced debate of prioritising short-term returns versus adopting a steadfast long-...

Case Study: How personal and business advice is often inextricably intertwined

18 Mar 2024

Contributed by Lukas

In this episode, Stuart delves into the intricate interplay between personal and business advice, offering practical wisdom gleaned from real-life sce...

Ep 295: Should you sell an underperforming apartment? Part 2

12 Mar 2024

Contributed by Lukas

Read full blog here.In Part 1, the podcast scrutinised the performance of apartment markets in major Australian cities over the past decade, uncoverin...

Ep 294: Should you sell an underperforming apartment? Part 1

05 Mar 2024

Contributed by Lukas

Read the full blog here.In this podcast episode, Stuart Wemyss delves into the intriguing dilemma of whether to sell underperforming apartments in Aus...

Case Study: Downsizing, business exit, inheritance and more

04 Mar 2024

Contributed by Lukas

In this episode, Stuart Wemyss unpacks a real-life case study covering downsizing, business exits, and inheritance. The client initially received frag...

Ep 293: Why do some locations outperform blue-chip suburbs?

27 Feb 2024

Contributed by Lukas

Read the full blog here.In this podcast, Stuart Wemyss delves into the intriguing dynamics of property investment, challenging the conventional wisdom...

Ep 292: Warning: Share market close to all-time high. What to do…

20 Feb 2024

Contributed by Lukas

Read the full blog here.In this insightful podcast, listeners delve into the intriguing relationship between interest rates and growth company valuati...

Case study: Property advice is crucial

19 Feb 2024

Contributed by Lukas

In my regular weekly episode, I talk about the theories, methodologies, and principles associated with investing. These case study episodes aim to sha...

Ep 291: Investment bonds: what are they and are they worthwhile?

13 Feb 2024

Contributed by Lukas

Read the full blog here.Unlock the secrets of investment bonds in this podcast, diving into their tax-efficient allure, especially for children's...

Ep 290: Accelerate home loan repayment: There are only 4 ways

06 Feb 2024

Contributed by Lukas

Read the full blog here.Unlock the secrets to turbocharge your journey to a mortgage-free life! Forget the noise of countless tips – I've disti...

Case Study: 14+ years of playing the long game

05 Feb 2024

Contributed by Lukas

In this podcast episode, Stuart discusses a captivating case study spanning over 14 years, showcasing the positive impact of their advisory process on...

Ep 289: 2024 Property Outlook: Analysing the impact of inflation, tax cuts and market dynamics

30 Jan 2024

Contributed by Lukas

 Read the full blog here.Unlock the secrets to a prosperous 2024 in the real estate market with the "2024 Property Outlook" podcast. In thi...

Three steps to avoid becoming a banking scam victim

23 Jan 2024

Contributed by Lukas

 Read the full blog here. In this podcast, discover the alarming impact of scams on Australians, costing the government an estimated $3.1 billion an...

Investment curveballs in 2023: 4 important lessons to remember for 2024

16 Jan 2024

Contributed by Lukas

Click here to read this blog online. Sidebar: Wealth Editor, James Kirby and I recorded an episode of The Australia’s Money Puzzle podcast yesterda...

Best of 2023 #1: How to buy the highest quality property within your budget

09 Jan 2024

Contributed by Lukas

Unlock the secrets to securing prime real estate without breaking the bank, as I, Stuart Wemyss, walk you through the strategic maze of property inves...

Best of 2023 - #2: Rent crisis, property prices, borrowing capacity and fundamentals – how will it affect you

02 Jan 2024

Contributed by Lukas

Ready to conquer the Australian rental crisis and spot the next big investment opportunity? Our latest Investopoly podcast is your treasure map throug...

Best of 2023 #3: What should be your priority: repaying your home loan or invest?

26 Dec 2023

Contributed by Lukas

Are skyrocketing interest rates making you question your investment strategy? I'm Stuart Wemyss, and on the Investopoly podcast, we tackle the di...

Unraveling the Differences: Melbourne vs Sydney Property Markets and What's Ahead for 2024

12 Dec 2023

Contributed by Lukas

 Read the full blog here. Ever wondered why the Melbourne and Sydney housing markets are as different as chalk and cheese? Well, it's time to q...

Why common-sense tax reform is vital to Australia’s future

05 Dec 2023

Contributed by Lukas

Read the full blog here.Are you ready to unravel the complexities of tax reform and its potential impact on Australia's fiscal landscape? Togethe...

What does the rental yield tell you about a property?

28 Nov 2023

Contributed by Lukas

Read the full blog here.Why is the property rental yield an invaluable tool in the world of property investment? How can you interpret it to make smar...

Why you'll probably pay more tax in an industry super fund

21 Nov 2023

Contributed by Lukas

Read the full blog here.Ever wonder how taxes impact your super funds, especially pulled super funds? Get ready to unravel the intricacies of super fu...

Does Australia need a recession? Have we become lazy?

14 Nov 2023

Contributed by Lukas

Read the full blog here.Looking ahead to Australia's economic future, we're faced with a provocative question - does Australia need a recess...

Forecasting property investing returns: 2023-2033. What can we expect?

07 Nov 2023

Contributed by Lukas

Click here to read the full blog including charts. What if you could double your real estate investment in a decade? Join our host, Stuart Wemyss, as...

Property 101: How much do you know about property?

31 Oct 2023

Contributed by Lukas

Read the full blog here.Ready to ramp up your grasp on the property market? Let's do it together as I, Stuart Wemyss, guide you through the labyr...

Share market outlook: How to navigate the risks and capture the opportunities

24 Oct 2023

Contributed by Lukas

Read the full blog online.Are you prepared to conquer the volatile landscape of share market investing? We'll dissect the intricacies of this exc...

Should you invest your super in property with borrowings?

17 Oct 2023

Contributed by Lukas

Read the full blog here. Are you ready to untangle the complexities of super investing in property with borrowings? We're going back in time to ...

ETFs vs. Managed Funds: Which investment vehicle is right for you?

10 Oct 2023

Contributed by Lukas

Read the full blog here. Ever wondered how you could smartly diversify your investment portfolio, reduce risk and achieve commendable performance over...

How do rising construction costs impact property investment returns?

03 Oct 2023

Contributed by Lukas

Read the full blog here. Ever thought about how rising costs of construction can impact your property investment? Brace yourself for a deep dive into ...

Fundamentals series #5: A simple way to manage cash flow and still enjoy the things that give you pleasure

26 Sep 2023

Contributed by Lukas

Watch the presentation on YouTube here.Imagine a world where you have full control over your finances, where every dollar spent contributes to your jo...

Fundamentals series #4: A simple, low-cost, proven approach to investing in the share market

19 Sep 2023

Contributed by Lukas

Watch the presentation on YouTube here.Curious about how to navigate the seemingly complicated world of share market investing? Join me, Stuart Weems,...

Fundamentals series #3: How much super do you need to retire comfortable? And how to maximise your balance

12 Sep 2023

Contributed by Lukas

Watch the presentation on YouTube here.Link to the table regarding how long super will last. Are you feeling overwhelmed by the complexities of super...

Fundamentals series #2: How to invest in property explained in 4 simple charts

05 Sep 2023

Contributed by Lukas

Watch the presentation on YouTube here.Ever wonder why property investing is such a profitable avenue? It's not just the properties themselves, b...

Fundamentals series #1: Navigating Taxes: Deductions, Gains, and Saving Tax

29 Aug 2023

Contributed by Lukas

Watch the presentation on YouTube here. Ready to level up your tax knowledge? This episode promises to make you rethink everything you thought you kne...

Would a third super fund help you retire early (before age 60)?

22 Aug 2023

Contributed by Lukas

Can you imagine opening a third super fund, enabling you to accumulate assets outside of your retirement fund and plan for reduced taxes? What if you ...

Is Perth the next property market to explode?

15 Aug 2023

Contributed by Lukas

Click here to read the full blog. Ever wondered why Perth’s property market remains stagnant despite booming markets elsewhere in Australia? Could P...

What is the priority: repaying your home loan or investing?

08 Aug 2023

Contributed by Lukas

Read the full blog here. What would you do if you had the opportunity to revolutionise your financial future? Join us as we navigate the complex world...

Which industry super fund do I recommend? Review of returns for 2022/23

01 Aug 2023

Contributed by Lukas

Read full blog here.Do you ever ponder the enigma of superannuation returns and how they're impacted by elements such as increasing interest rate...

Know when to hold 'em, or when to fold 'em

26 Jul 2023

Contributed by Lukas

Ready to unlock the secret to successful investing that many overlook? This episode promises to reveal the power of patience in building a solid finan...

Laying the Foundation for Wealth: A Guide to Successful Investing

18 Jul 2023

Contributed by Lukas

Read the full blog here. Are you ready to uncover the secrets of successful investing? I promise, this episode will equip you with the essential knowl...

Should you invest or repay your home loan? A long-term perspective...

11 Jul 2023

Contributed by Lukas

Read the full blog here. Are you ready to challenge conventional wisdom about investing and home loan repayment strategies when interest rates are on ...

Decoding Homeownership: Financial Implications of Renting vs Owning, Tax Exemptions, and More

04 Jul 2023

Contributed by Lukas

Read the full blog here. Ever thought about the financial impacts of owning a home versus renting? We'll be tackling this head-on today. I'm...

Surviving the high interest rates: tips to navigate the next few months

27 Jun 2023

Contributed by Lukas

Read the full blog here. How long can we expect the current high interest rates to stick around, and what can we do to navigate this challenging finan...

Borrowing capacity isn’t enough to invest in property? What to do…

20 Jun 2023

Contributed by Lukas

Read the full blog here. What if your borrowing capacity isn't enough to allow you to invest in a high-quality property? Should you reduce your ...

Navigating Stubborn Inflation: Risks, strategies, and portfolio construction for a possible decade of rising prices

13 Jun 2023

Contributed by Lukas

Click here to read the blog online. What if inflation remains stubbornly high for over a decade? Today, I explore the potential risks of increased in...

How much money should you give away now?

06 Jun 2023

Contributed by Lukas

Some people plan to give money to beneficiaries (typically children and/or charities) before they pass away, especially if they consider they have mor...

Does household income drive property prices?

30 May 2023

Contributed by Lukas

Commentators often refer to the price of property relative to household incomes. For example, it is estimated that property in Melbourne and Sydney no...

The news is mostly bad for commercial property investors

23 May 2023

Contributed by Lukas

All investment asset classes move in cycles. Investment returns are almost never linear. As such, investors must expect good and bad periods, which is...

What is more tax-effective, investing in property or shares?

16 May 2023

Contributed by Lukas

Many people are attracted to borrowing to invest in property because of negative gearing tax benefits. That is, the (income) loss that an investment p...

Tips on how to maximise your borrowing capacity

09 May 2023

Contributed by Lukas

Borrowing capacity has reduced by around 30% over the past year due to the impact of higher interest rates and the increased 3% interest rate buffer t...

Will Melbourne’s median house price exceed $2m by 2033?

02 May 2023

Contributed by Lukas

The unrefuted trend in all investment markets is mean reversion. It means that a period of below average returns is always followed by a period of abo...

My investment philosophy is based on 4 principals. What is your investment philosophy?

25 Apr 2023

Contributed by Lukas

I was listening to Morgan Housel’s new podcast recently (which I highly recommend by the way), and he said something along the lines of; once you de...

The typical life cycle of an investor

18 Apr 2023

Contributed by Lukas

Most people struggle with knowing how to invest their money. Do they upgrade their home, contribute more into super, buy an investment property, inves...

Property investors need to be fussier! Here's why...

11 Apr 2023

Contributed by Lukas

Every few months, there’s a story online about an investor in their 30’s that has amassed a property portfolio of 12 properties…and how you can ...

Are index funds still outperforming?

04 Apr 2023

Contributed by Lukas

Everything you must know before you refinance: https://www.prosolution.com.au/ebook/===================Share markets have been highly volatile over th...

How to buy the highest quality property within your budget

28 Mar 2023

Contributed by Lukas

Typically, you need a budget of circa $1.5 million to purchase an investment grade house (investment property) in Melbourne, less in Brisbane, and a l...

A recession in the US will crash stock markets! What to do before that happens

21 Mar 2023

Contributed by Lukas

eBook Download: https://www.prosolution.com.au/ebook/We are all aware that central banks around the world have been hiking interest rates to reduce in...

Why don't my accountant and financial advisor work together?

14 Mar 2023

Contributed by Lukas

Ensuring your accountant collaborates with your financial advisor is important, as they will be able to discuss and workshop ideas to improve your fin...

Private school fees: the true cost and alternatives

07 Mar 2023

Contributed by Lukas

It is stating the obvious that private school education is expensive. If you are uncertain whether you would like to send your kids to a private schoo...

Rent crisis, property prices, borrowing capacity and fundamentals – how will it affect you?

28 Feb 2023

Contributed by Lukas

It has certainly been a wild ride for property investors over the past 6 years. In 2017 and 2018, the banking regulator demanded banks reduce the vol...

It’s all about gearing, not property. Without gearing, shares are better.

21 Feb 2023

Contributed by Lukas

It is often debated which is a better investment, property or shares. It is my thesis that property is an okay investment, but not as good as shares. ...

Why value investing will deliver higher returns with lower risk

14 Feb 2023

Contributed by Lukas

I’m a big advocate of value investing. If you buy high a quality investment for fair price and hold it for the long run, you can’t help but make a...

What to do if your fixed rate or interest only term is due to expire in 2023

07 Feb 2023

Contributed by Lukas

It has been very well reported that many mortgage holders will soon be paying much higher interest rates when their fixed rate terms expire. It is est...

Getting into the property market is easier today than 30+ years ago

31 Jan 2023

Contributed by Lukas

It is often suggested that it’s a lot more difficult for people to buy their first property compared to many decades ago. It is true that property i...

Your most important financial step for 2023

24 Jan 2023

Contributed by Lukas

Good cash flow management is by far the most important practice that you must master to be successful at building wealth. I realise that it’s not a ...

Where you should have invested in 2022?

17 Jan 2023

Contributed by Lukas

In 1905, George Santayana wrote; “Those who cannot remember the past are condemned to repeat it.” That’s why it is always worthwhile to reflect ...

Best of 2022: Three steps to develop your own financial strategy

10 Jan 2023

Contributed by Lukas

This was the third most popular podcast episode in 2022. My aim for this topic was to give investors an insight into the strategic process that I foll...

Best of 2022: Consistency is the key to building wealth

03 Jan 2023

Contributed by Lukas

This was the second most popular podcast episode in 2022. My aim for this topic was to educate investors about the fact that investing a little bit ea...

Best of 2022: 7 key economic principles you must know

27 Dec 2022

Contributed by Lukas

This was the most popular podcast episode in 2022. The idea behind this topic was to share some basic economic principals to help people understand ec...

Brace for a big drop in consumer spending in 2023

13 Dec 2022

Contributed by Lukas

As you are aware, the RBA has aggressively hiked rates by 3% p.a. over the past 8 months, so variable home loan rates are now more than 5% p.a. (and i...

Should you invest in gold?

06 Dec 2022

Contributed by Lukas

I was interested to watch this YouTube video produced by ETF manager, BetaShares which compared the differing views of Warren Buffett and billionaire ...

Are there major changes to super on the horizon?

29 Nov 2022

Contributed by Lukas

The Albanese government’s first Federal Budget last month was a bit of a fizzer in that there wasn’t much in the way of changes that affected inve...

Why I think property prices have bottomed

22 Nov 2022

Contributed by Lukas

CoreLogic data indicates that property prices in the 5 largest capital cities have fallen by 7.1% since May, when the RBA started hiking interest rate...

Governments vested interest in maintaining property price growth

15 Nov 2022

Contributed by Lukas

There are many large and powerful institutions that have a vested interest in rising property prices. But all levels of government (i.e., federal, sta...

Retirement might not be as enjoyable as you expect unless...

08 Nov 2022

Contributed by Lukas

I recently appeared as a guest on The Australian newspaper’s Money Café podcast, where we discussed the FIRE moment. The acronym stands for Financi...

How much should you invest in property, shares and super?

01 Nov 2022

Contributed by Lukas

A common question I receive is how much should I invest in property? That is, how do you know when you have enough, and should you start investing in ...

What’s going on with share markets!

25 Oct 2022

Contributed by Lukas

Calendar year to date, the stock and bond markets have produced some of the worst returns on record, which is unusual because bonds and stocks are typ...