Investopoly
Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stuart Wemyss, a qualified financial advisor, accountant, tax agent, and licensed mortgage broker, delivers holistic advice. With four authored books, including "Investopoly" and "Rules of the Lending Game," Stuart shares his insights through a weekly blog, which is replicated on this podcast.
Episodes
In this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting with the government’s revised $3 million super cap, also known as Division 296. He breaks down what’s changed, what’s stayed the same, and why the new rules are far more balanced than the initial proposal. Campbell also explores what high-balance super fund holders should consider, espec...
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 Stuart’s thoughts on the Canberra property market. Shelly seeks guidance on whether to subdivide and sell land to pay down debt or wait until retirement to reduce capital gains tax. Bay raises the question of when (or whether) it makes sense to shift from low-cost index investing to mo...
In this episode, Stuart unpacks why PAYG employees need to approach tax planning differently and why the system is stacked against them. While company owners and investors enjoy structural advantages and deductions, employees often face limited options. Stuart explains why the two main ways for PAYG earners to reduce tax—super contributions and borrowing to invest should be used as part of a long-term wealth stra...
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In this Q&A episode, Stuart tackles a wide range of strategic questions from listeners navigating big financial decisions. Alex (pseudonym Ace) asks whether it’s smarter to upgrade to a forever home now, invest in shares and super, or pursue an investment property first. Stuart explains why securing your long-term home earlier often pays off. Gavin, recently divorced, wants t...
In this episode, Stuart explains why property investors need to be cautious when relying on the last five years of price data. He outlines how this period has been shaped by a series of unique, disruptive events: surging construction costs, extreme interest rate movements, volatile migration patterns, and the rise of working from home. While these factors have significantly impacted prices, they don’t reflect lon...
In this episode, Campbell addresses a wide range of thoughtful listener questions covering retirement planning, property strategy, superannuation structuring, and the real cost of working with brokers. “Fred” runs through a detailed retirement plan with over $5M in super, trust, and cash assets and seeks a sanity check on his 3.25% spending rate and family gifting strategy. Campbell provides perspective on sequence risk, cash buffe...
In this episode, Stuart unpacks what it really means to construct an evidence-based investment portfolio and why portfolio construction is arguably the most important decision an investor can make. He explains how diversification across shares and property helps smooth returns, not because it eliminates volatility, but because it helps investors stay the course and adapt to life’s inevitable curveballs.
Stuart tak...
In this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique perspective on wealth management across different life stages. Jim and his wife are considering whether to upgrade their home now, invest in ETFs, or continue expanding their portfolio through a trust structure. Stuart weighs the options and long-term implications of each. Kayt asks ...
In this episode, Stuart takes a deep dive into momentum investing, what it is, how it works in theory, and whether it holds up in practice when applied to shares and property. Momentum is a factor strategy that involves buying assets that have performed strongly over the past 6–12 months. While it sounds compelling, Stuart explains why real-world results often fall short due to high trading costs, tax drag, and d...
In this episode, Stuart tackles one of the most frequently asked investing questions: property vs. shares, but through a sharper lens: how leverage, gearing levels, and borrowing constraints impact the comparison. Sam asks at what point property stops outperforming shares if you can't borrow 100% of the purchase price. Stuart explains the inflection points and when ETFs might offer a better return for your capital. Bob, planni...
In this data-driven episode, Stuart explores what really predicts property price movements, beyond the headlines about population growth. Using lending volume data across major Australian cities, Stuart shows why borrowing activity is one of the most reliable indicators of short-term property price trends. He compares trends in Sydney, Melbourne, Brisbane, Adelaide, and Perth, highlighting how lending volumes oft...
In this packed Q&A episode, Stuart answers listener questions from all stages of life and wealth, covering everything from young families building momentum to seasoned investors managing multi-million-dollar portfolios. Amit asks whether to sell a newly built property in Beveridge and reinvest closer to Melbourne, like Frankston, for long-term compounding, and weighs up whether to redevelop or sell his current home before buyin...
In this episode, Stuart examines whether being a wholesale investor truly unlocks better investment opportunities or is merely a more sophisticated marketing pitch. He explains what qualifies someone as a wholesale investor under Australian law, what protections are lost when switching from retail, and whether exclusive access to private equity, hedge funds, and unlisted property trusts is truly worth the trade-o...
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 million property portfolio. Zach, a new parent with a $1M home and solid income, asks what to focus on over the next 5–10 years and whether topping up the offset or investing in shares makes more sense. Stuart also addresses whether Zach's discretionary trust setup is a smart long-...
In this episode, Campbell Wallace tackles one of the most overlooked yet significant taxes in retirement planning: the 17% superannuation death benefit tax. While Australia doesn’t have a formal inheritance tax, this “sneaky tax” can quietly strip hundreds of thousands from your estate if left unmanaged, particularly when adult children inherit super balances with large taxable components. Campbell explains why t...
In this Q&A episode, Stuart answers a range of insightful listener questions on wealth-building strategies through property, ETFs, and superannuation. Burt asks if he’s on track to retire by age 60, despite limited borrowing capacity and tight cash flow. Stuart unpacks the numbers and suggests possible next steps to gain traction. Blair, seeking to build a well-structured ETF portfolio inside an SMSF, asks how to balance growth...
In this episode, Stuart introduces a powerful framework for property investors: Return on Borrowing Capacity (RoBC). With borrowing capacity often being a limited and scarce resource, Stuart explains why it’s critical to allocate it where it delivers the greatest after-tax, long-term wealth outcomes. He unpacks the concept by comparing different investment properties with identical total returns but varying mixes...
In this episode, Stuart addresses a wide range of thoughtful listener questions, focusing on managing risk, balancing lifestyle with long-term wealth, and making informed property and investment decisions. Andrew asks whether it’s necessary to chase every spreadsheet-optimised return when he and his partner already have "enough," prompting Stuart to explore hybrid strategies that protect cash flow while still building wea...
In this episode, Stuart delves into the practical benefits and strategic importance of including a testamentary trust in your will. He explains how testamentary trusts offer powerful advantages in terms of tax efficiency, asset protection, and long-term flexibility, especially for families with minor children or complex financial situations. Stuart breaks down why income distributed to minors from a testamentary ...
In this Q&A episode, Campbell Wallace answers a wide range of listener questions from first-home buyers to seasoned investors navigating tax and strategic property decisions. John, a rentvestor with a young family, asks whether buying an investment-grade property in Melbourne now, with plans to use the proceeds to reduce PPOR debt in the future, aligns with his flexible, lifestyle-focused goals. Campbell explores how this fits ...
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