Investopoly
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.au We also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.
Episodes
With 30 June approaching, now is the time to review your superannuation contribution options before the annual window closes. Most of the levers available inside super operate within a tight 12-month period, and several are use-it-or-lose-it; miss the deadline, and the opportunity is gone.
This blog walks through 10 strategies worth considering before the end of the financial year. Concessional contributions remai...
This episode brings together five listener scenarios united by a common thread: making sound financial decisions under competing pressures: income goals, asset quality, tax reform, and the desire for more time and freedom.
The first comes from a couple, both aged 40, with three investment properties and a growing ETF portfolio, asking what it will take to reach $200k in net annual income and reduce their working days as early as pos...
This special episode is a replay of a YouTube presentation which is a calm, numbers-led walkthrough of the 2026 Federal Budget - recorded roughly 40 hours after budget night - focused on the three proposals most likely to affect investors: negative gearing, capital gains tax, and family trusts. The deliberate frame throughout is that nothing is law yet, the political debate is far from settled, and listeners should resist making 20...
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The 2026-27 Federal Budget included some of the most significant proposed tax changes we have seen in many years.
In this episode, I unpack the key announcements affecting investors, property owners, business owners, and families, including proposed changes to capital gains tax, negative gearing, and the taxation of discretionary trusts. I also cover the permanent extension ...
This episode brings together four listener questions that each wrestle with some of the most practical and consequential decisions in personal finance: how hard to push for a first home, where to deploy idle equity, when an SMSF makes sense, and how to identify genuinely investment-grade property in a market where houses are out of reach.
A couple in their early thirties transitioning out of academia, with $500...
Tax is psychologically painful, but for investors, over-fixating on it is a genuine risk. The drive to minimise tax can lead to decisions far more costly than the tax itself, and this blog makes the case for keeping it in its proper place.
Using financial modelling across both property and shares, Stuart examines the real impact of capital gains tax on internal rates of return over 30 y...
This episode brings together three listener questions that each wrestle, in different ways, with the tension between financial optimisation and practical simplicity, and whether the most technically efficient strategy is always the right one for a given stage of life.
The first scenario involves a couple in their mid-thirties with a solid net worth of $2.5 million, a newborn, and a clear long-term goal of achieving financial indepen...
Australian property investment is facing a structural shift, and regulatory change is at the centre of it. This blog examines how rising holding costs, taxation, and tenancy reform are altering long-term return dynamics for investors, using Melbourne as a detailed case study.
The analysis explores the interaction between subdued capital growth, weakening investor sentiment, and tightening rental supply, alongside ...
Through a series of real investor scenarios, this blog examines the structural challenges that emerge when wealth is heavily concentrated in property, particularly as retirement approaches. Common issues explored include liquidity constraints, CGT timing, superannuation optimisation, and the risks of relying on rental income to fund long-term retirement needs.
The discussion unpacks how strategies such as asset reallocation, well-ti...
There are two sensible ways to invest in ETFs: use a diversified, all-in-one fund, or build your own portfolio. Both can work. The difference comes down to control, scale, and behaviour.
In this episode, Stuart explains why simple diversified ETFs are often the right starting point, particularly for smaller balances or investors who value simplicity and discipline. But as portfolios grow, constructing your own ETF...
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 another. In this episode, Stuart examines a series of real-world case studies that bring to life the strategic tensions shaping financial outcomes, from navigating leverage and asset concentration to managing liquidity through critical life-stage transitions.
Spanning scenarios across p...
In this episode, Stuart breaks down what concentration risk really means and why it is not just about returns, but dependence. From large shareholdings to property and business exposure, he explains how having too much tied to a single asset can increase risk unless it is properly understood in the context of your broader strategy.
Stuart introduces a practical three-step framework to assess concentration risk: evaluating future ret...
In this Q&A episode, Stuart tackles four listener questions spanning stock selection, portfolio restructuring, debt strategy, and retirement income planning.
Kyle wants to know how Stuart actually researches stocks, which tools and resources he uses, and what metrics he looks for across different investment types, from growth and defensive plays to income-focused holdings.
Jack is sitting on a mixed SMSF portfolio of around $138K...
Investing a large lump sum into the share market can feel risky, but is spreading it out actually safer, or just more comfortable?
In this episode, Stuart revisits his own evolving view on lump sum investing versus dollar cost averaging. Drawing on decades of market research, he explains why lump sum investing has historically outperformed staged investing around two-thirds of the time, and why the real cost of ca...
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 between several.
A Canberra couple planning a move to Queensland face a layered dilemma: how to fund a $3M home while managing a defined benefit pension, a potential inheritance, and a preference to hold quality assets. Stuart weighs selling, renting, and carrying debt into retirement...
In this episode, Stuart explores a lesser-discussed but increasingly important risk in financial planning: not running out of money, but failing to use it when it matters most.
While much of the conversation around retirement focuses on avoiding financial shortfall, this episode flips the script. For those in a strong financial position, the greater danger may be underspending during the early, high-health years o...
In this episode, Stuart explores a powerful theme across multiple listener scenarios: is it possible to achieve early retirement without aggressive risk-taking, and what trade-offs does that require?
A couple in their late 40s shares a disciplined, “late starter” journey and a clear downsizing strategy to fund retirement within five years. Stuart unpacks whether their plan to bridge the gap to super using shares and cash flow is rea...
In this episode, Stuart challenges the idea that Melbourne property has been a poor performer by digging beneath the median data and uncovering what actually drives outperformance.
While headline figures suggest modest growth since 2010, a deeper look reveals many individual properties have significantly exceeded the average. Stuart walks through 10 real case studies across investment-grade Melbourne suburbs, high...
In this episode, Stuart unpacks a complex and relatable dilemma: what happens when your long-term wealth strategy collides with a major lifestyle goal.
A Sydney-based investor with a substantial property portfolio is aiming to retire at 60 with a high passive income. Still, a recent PPOR upgrade and plans for an $800k–$1M knockdown rebuild have put that goal under pressure. With borrowing capacity already stretched and income likely...
In this episode, Stuart breaks down the growing political debate around capital gains tax (CGT) and what potential changes could mean for Australian property investors.
Following a Senate committee review, policymakers are now discussing the possibility of reducing the CGT discount and even limiting negative gearing to a small number of properties. Stuart examines the claims behind these proposals, in...
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