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PODCAST

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.

business investing

All Episodes

13:14

Case Study: Property in super, shares and the need...

Investopoly ·

2024/07/08

In this case study episode, Stuart Wemyss explores the journey of a client who has successfully navigated property investment within their superannuation, shares, and the importance of diversification. Working with the client since 2009, Stuart details their progression from an initial $4.8 million in assets to an impressive $9 million. The episode highlights the client's strategic acquisition of five apartments in Sydney and Melbourne, achieving significant long-term growth rates of 6.3% and...

en-au

16:20

Ep 311: 6 reasons to not invest in property!

Investopoly ·

2024/07/02

Do you have a question? Email questions@investopoly.com.au and Stuart will answer in the podcast from new week onwards. Read full blog here.In this episode, Stuart delves into the often-overlooked downsides of property investing. While the benefits are frequently highlighted, it's crucial to recognise and mitigate the potential drawbacks. Stuart outlines six key reasons why property might not be the best investment choice for everyone. He explains how compounding returns require decades to ma...

en-au

9:42

Case Study: Anti property investor

Investopoly ·

2024/07/01

In this case study episode, Stuart delves into the impressive financial journey of a client who staunchly avoids property investment. Starting in 2016 with $760k in shares and $595k in debt, the client had a combined super of $324k and no home loan on a $2.5m residence. With an income of $440k and living expenses of $96k, his net investment assets stood at $490k. Fast forward to today, his shares have grown to $2.15m with a $725k loan and super has increased to $1.07m. Additionally, he acquir...

en-au

17:58

Ep 310: Should you invest 100% of your super into...

Investopoly ·

2024/06/25

Read full blog here.In this episode, Stuart delves into the intriguing question: should you invest 100% of your super in shares? He explores the conventional wisdom of diversified asset allocation, highlighting the potential benefits of focusing entirely on shares given the long-term nature of superannuation. Stuart explains how pre-mixed investment options and lifecycle strategies manage your super, often diluting potential returns. He argues that volatility isn't a concern for long-ter...

en-au

12:03

Case Study: Successful long term property investor

Investopoly ·

2024/06/24

In this case study episode, Stuart shares the long-term success story of a client he has worked with for over two decades. Starting with mortgage broking 20 years ago, this client has built an impressive investment property portfolio worth $23.5 million. The key to their success? Patience and strategic property selection. With an average holding period of 25 years, this client has seen properties grow at an average annual rate of 6.8%, resulting in substantial wealth accumulation.Stuart highl...

en-au

14:28

Ep 309: Investment property holdings costs have...

Investopoly ·

2024/06/18

Read full blog here.In this episode, Stuart explores the soaring costs of holding investment properties and whether they still make financial sense. Over the past four years, significant hikes in expenses like insurance, council rates, and maintenance, coupled with a cash rate increase from 0.10% to 4.35%, have challenged property investors. Despite anticipated rental income growth, the discussion reveals that higher holding costs demand properties to achieve even greater capital growth to ma...

en-au

8:46

Case Study: The road to early retirement

Investopoly ·

2024/06/17

In this case study episode, Stuart explores the remarkable journey of a couple on the road to early retirement. When they began working together in 2015, the couple had a net worth of $420k. Fast forward to today, their net worth has soared to $2.5m, driven by strategic property decisions and smart investment moves. They purchased their first investment-grade apartment in 2016 for $488k, followed by a house in Brisbane in 2019 for $885k, which is now worth $1.4m. They also upgraded their home...

en-au

10:21

Ep 308: Warning: Does one spouse deal with all...

Investopoly ·

2024/06/11

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's natural for one partner to take the lead, it's vital for both to stay involved and informed. Stuart highlights the importance of understanding and communicating about financial documents, ensuring both partners know what they’re signing. He stresses the need for both spouses to be prepared for any eventuality, from navigating financial decisions in...

en-au

9:45

Case Study: Financial freedom through property and...

Investopoly ·

2024/06/10

In this case study episode, Stuart and Frencham unveil a compelling 15-year journey towards financial freedom through property and superannuation. Beginning with a modest net worth of $2.4 million in 2008, their client's portfolio has surged to nearly $10 million today. Through strategic property investments, including homes in desirable locations like Hawthorn and Toorak, and optimising superannuation investments, they've achieved remarkable growth.Key insights reveal the importance of align...

en-au

13:40

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

Investopoly ·

2024/06/04

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 excessive focus on reducing perceived financial risk can jeopardise your lifestyle goals due to the high opportunity costs involved. Many people fall into the trap of continuously repaying debt at the expense of exploring other investment opportunities, resulting in a limited risk tolerance that may not serve them well in the long run.Stuart empha...

en-au

8:31

Case Study: What to do with employee shares

Investopoly ·

2024/06/03

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 investment assets, including shares primarily in Rio Tinto, superannuation, and a property in Hawthorn East. Today, that figure has grown to almost $2.8 million.Despite challenges, such as underperforming investment properties and a shift to consulting work post-2017, strategic decisions have led to significant growth. A key move was gradually ...

en-au

18:10

Ep 306: Should you buy an investment-grade apartment...

Investopoly ·

2024/05/28

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 or a house in a secondary area? He delves into the key factors influencing your decision, such as land value, potential for capital growth, and maintenance costs. Stuart explains why houses typically offer higher returns due to their land value but also highlights the hidden potential in older apartments with significant land components. He exam...

en-au

9:00

Case Study: Beginning building wealth later in life

Investopoly ·

2024/05/27

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 purchased an entry-level apartment in South Yarra for $390k. Fast forward to 2015, Stuart joined them, and their wealth-building strategy took a serious turn. By 2016, they acquired an investment property in Richmond for $1.3m and restructured their superannuation, moving one spouse from a subpar fund to a wrap account while the other stayed with a s...

en-au

16:39

Ep 305: End of financial year tax planning tips for...

Investopoly ·

2024/05/21

Read full blog here.In this episode, Stuart provides a comprehensive guide to end-of-financial-year tax planning strategies that can help maximise your tax savings. With a wealth of practical tips and considerations, he breaks down complex tax concepts into easily digestible insights.Whether you're a high-income earner, a business owner, or simply looking to optimise your tax position, Stuart's advice covers a range of scenarios and opportunities. From maximising super contributions and utili...

en-au

8:30

Case Study: Property investors: know when to diversify

Investopoly ·

2024/05/20

In this case study episode, Stuart shares an insightful journey with long-term property investor clients. He highlights key lessons learned about the importance of diversification and adapting strategies over time. Despite diligently managing cash flow and contributions, the clients' concentrated property portfolio delivered underwhelming returns initially. However, Stuart reveals how diversifying into other asset classes and taking an evidence-based approach ultimately put them on track...

en-au

11:58

EP 304: What is a strategic asset allocation? Why...

Investopoly ·

2024/05/14

Read full blog hereIn this episode, Stuart delves into the concept of strategic asset allocation and its critical importance in maximising long-term investment returns. He presents evidence demonstrating the unpredictability of short-term returns across asset classes, highlighting the need for diversification. However, Stuart argues that long-term returns are more predictable due to the principle of mean reversion.He advocates for an approach that involves actively allocating new capital towa...

en-au

7:14

Case Study: Make life easier for your loved ones

Investopoly ·

2024/05/13

In this case study episode, Stuart shares a poignant experience to highlight the importance of involving loved ones in financial planning and ensuring they are well informed and prepared. He recounts working with a client, Grant, since 2009, focusing on debt reduction, superannuation, and share investing.Tragically, Grant passed away suddenly in 2018, leaving his wife in an unfamiliar situation, having never been involved in the financial decision-making process. Stuart had to guide Grant's w...

en-au

17:09

Ep 303: Melbourne property will deliver the strongest...

Investopoly ·

2024/05/07

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 growth among Australian capital cities over the next decade. Despite negative sentiment driven by factors like stricter tenancy laws, increased taxation, and concerns over the state's escalating debt, Stuart argues that Melbourne's property prices are currently undervalued relative to other cities like Sydney.He presents data illustrating how Mel...

en-au

8:05

Case Study: Restructuring a share portfolio across...

Investopoly ·

2024/05/06

In this case study episode, Stuart shares insights from working with a high-income client who initially focused on building a property portfolio but later diversified into shares. The client's share portfolio was initially held in his wife's name due to their circumstances at the time, but a portion was later moved into a trust structure for tax efficiency.Stuart emphasises the importance of considering all components of investment returns, including income, growth, and tax credits. He also h...

en-au

13:58

Ep 302: To what extent should you factor in an...

Investopoly ·

2024/04/30

en-au

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