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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

31:33

Ep 370: Does long-term data tell us where to invest...

Investopoly ·

2025/08/19

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 Australia’s capital cities. While the media often focuses on short-term fluctuations, Stuart explains why property should be viewed as a multi-decade investment and how compounding growth over time can deliver extraordinary returns. He breaks down the historical performance of Sydney, Melbourne, Brisbane, Adelaide, and Perth, highlighting how ea...

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33:27

Q&A - Planning with uncertainty, how to find useful...

Investopoly ·

2025/08/18

In this Q&A episode, Stuart answers an insightful mix of listener questions that span health, housing, retirement planning, and how to balance life’s big financial decisions. He begins with “Lucky,” a high-income medical professional and cancer survivor, who asks whether his health history should influence how much he gears, and whether to upgrade his Melbourne home, buy in Sydney near family, or stick with investing in ETFs and super. Stuart unpacks each option, weighing lifestyle, liqui...

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30:23

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

Investopoly ·

2025/08/12

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 beyond the status quo. With both federal and state budgets under pressure, and income taxes increasingly unsustainable, Stuart proposes a smarter, more balanced system that supports economic growth while ensuring fairness. He explores the dangers of bracket creep, the merits of expanding GST through a luxury rate, and the potential of capping the...

en-au

32:05

Q&A - Rebalancing super, is property concentration a...

Investopoly ·

2025/08/11

In this episode, Stuart addresses a wide range of listener questions, focusing on smart super strategies, investment property decisions, and how to balance financial goals with market realities. Jeff asks whether funds in an offset account with a non-bank lender like Resimac are safe, prompting a discussion on lending structures and risk. Alex seeks clarity on the pros and cons of rebalancing super investment options, while Pierre (alias) returns with a detailed follow-up on reallocating borr...

en-au

33:10

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

Investopoly ·

2025/08/05

Read full blog here. In this episode, Stuart explores why sometimes the smartest investment strategy is to do less. With global markets hitting all-time highs and every major asset class delivering positive returns in 2025, Stuart cautions against overconfidence. He explains why sitting on cash or keeping borrowing capacity in reserve can be a strategic move, not a missed opportunity. Drawing on recent market trends, including the unusual simultaneous rise of gold and bitcoin, Stuart unpacks ...

en-au

29:47

Q&A - Smart Property Moves, CGT Timing, and Building...

Investopoly ·

2025/08/04

In this Q&A-packed episode, Campbell tackles a variety of real-life scenarios from listeners navigating property decisions, capital gains tax, and super strategies. He begins by clarifying whether deferring the sale of investment properties until retirement results in meaningful CGT savings, a common assumption he carefully unpacks for Catherine. Elise then asks whether to continue hunting for an investment property, focus on paying off the mortgage, or invest in shares. Campbell shares a...

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41:58

Ep: 367 Best super fund for 2025

Investopoly ·

2025/07/29

Read full blog here In this episode, Stuart reveals the results of his annual review of super fund performance, naming the best super fund for 2025. He compares returns across both Balanced and High Growth investment options from Australia’s leading industry and retail super funds, including Hostplus, UniSuper, ART, AustralianSuper, and the increasingly competitive Vanguard Super. But investment returns and fees aren’t the only criteria that matter. Stuart delves deeper into overlooked factor...

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31:31

Q&A - Property red flags, home upgrade and downgrade...

Investopoly ·

2025/07/28

In this Q&A episode, Stuart covers a wide range of real-life scenarios, offering clear insights on property strategy, superannuation, and retirement planning. He begins by unpacking Paul’s question about setting up a self-managed super fund (SMSF) and whether his current balance is sufficient to make a property purchase viable within it. Stuart also reflects on the quality of Paul’s Melbourne townhouse investment and discusses how to assess whether a property is genuinely investment-grade...

en-au

35:41

Ep 366: Boost your super balance by avoiding CGT for...

Investopoly ·

2025/07/22

In this episode, Stuart takes a deep dive into one of the most misunderstood aspects of superannuation, how unrealised capital gains tax (CGT) affects your balance, and how to avoid it. He begins by explaining the irony of the government’s proposed tax on super balances over $3 million: while controversial, most Australians are already paying tax on unrealised gains daily via pooled super funds. Stuart breaks down how these products calculate unit prices and the role of future tax provisions ...

en-au

33:53

Q&A - Is no negative gearing a problem, when to use a...

Investopoly ·

2025/07/21

In this Q&A episode, Stuart tackles a wide range of complex financial and property questions from listeners navigating wealth-building decisions. He begins with a couple considering converting their first home into an investment property. Stuart breaks down the implications of their joint ownership structure, refinancing strategy, and whether they've missed the opportunity for negative gearing, providing insight into how high- and middle-income earners can best structure property portfoli...

en-au

32:11

Ep 365: Employee share schemes- How to use them to...

Investopoly ·

2025/07/15

In this episode, Stuart explores how to build personal wealth through employee share schemes (ESS), breaking down everything from RSUs and stock options to tax-effective strategies like salary sacrifice. He explains how shares vest, when and how they’re taxed, and the implications of holding versus selling. Stuart also highlights the importance of managing concentration risk and making informed decisions based on valuations, market conditions, and long-term goals. Listeners will learn the dif...

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34:37

Q&A - Loan structures, how to minimise tax in...

Investopoly ·

2025/07/14

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 smart investing moves. He unpacks the intricacies of transferring UK pensions to Australia, outlining the key rules, common pitfalls, and how to reduce unnecessary fees. Stuart then breaks down savvy loan structures for purchasing property through a company, with tips on minimising capital gains tax in the process. With retirement planning front...

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33:14

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

Investopoly ·

2025/07/08

Read full blog here. In this insightful episode, Stuart Wemyss addresses a common investor question: Can Australian property values continue growing at 7% per year? He explains how compounding works over time and why adjusting future property values for inflation and income growth makes projections, like an $8 million home in 30 years, more relatable. Stuart dives into the impact of income distribution, noting that the top 20% of Australians earn nearly half of all disposable income and exper...

en-au

30:47

Q&A - Structuring $200k p.a. retirement income, a...

Investopoly ·

2025/07/07

In this insightful Q&A episode, Stuart Wemyss dives into three real-life financial questions that highlight the importance of strategic planning as retirement approaches. The episode begins with a deep dive into “Alex’s” situation a successful small business owner aiming to generate a $200,000 annual income in retirement. Stuart explores how Alex might structure assets post-business sale and whether selling an investment property could be necessary to meet income goals. Next, Francois r...

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32:07

Ep 363: What are the best, safe, income-style...

Investopoly ·

2025/07/01

Read full blog here. In this insightful episode, Stuart Wemyss explores the safest, most reliable income-generating investment options for risk-averse investors or those with short investment horizons. He begins by highlighting why fixed income investments deserve more attention, especially for portfolio stability, retirees, or anyone with a low risk tolerance. Stuart presents a clear hierarchy of choices, starting with mortgage offset accounts as the most efficient, risk-free return option, ...

en-au

37:48

Q&A: Property negotiation, retirement planning, home...

Investopoly ·

2025/06/30

In this Q&A episode, Campbell unpacks a range of nuanced financial scenarios submitted by listeners grappling with how to best use their wealth, equity, and income to build a stronger financial future. The central theme revolves around one of the most common dilemmas: when your wealth is mostly tied up in property, what’s the next strategic step? Whether it’s deciding whether to chase a dream home post-auction, restructure assets for retirement, or explore SMSFs as a way to diversify and ...

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34:04

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

Investopoly ·

2025/06/24

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 successful property investing. He begins with the foundational principle: prioritise capital growth over income when buying, focusing on high-quality, investment-grade assets in tightly held, established suburbs. Income, he explains, can be improved later, but land location is forever. Rule two highlights the importance of understanding property cyc...

en-au

30:41

Q&A: What to do if most of your wealth is in...

Investopoly ·

2025/06/23

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 of your wealth is tied up in property. He explores the tension between long-term investment strategy and short-term lifestyle pressure, helping listeners find a better balance between financial progress and personal well-being. From assessing whether a self-managed super fund (SMSF) is a wise move to managing multiple investment properties with...

en-au

31:26

Ep 361: How does Vanguard Super stack up?

Investopoly ·

2025/06/17

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 Australian superannuation market. Known for his commitment to independence and strategy-first insights, Stuart explores why Vanguard’s entry could be a game-changer for Australians dissatisfied with the opaque and politically entangled operations of traditional industry super funds. He delves into Vanguard’s unique not-for-profit structure, ultra-...

en-au

36:09

Q&A: Investment planning when cash flow is uncertain,...

Investopoly ·

2025/06/16

In this Q&A episode, Stuart dives into real-life financial dilemmas from listeners navigating pivotal moments in their wealth journeys. Daniel, a self-employed father of three, outlines his comprehensive plan to retire at 60 with $100k passive income, using property, super, and ETFs. Stuart unpacks the nuances of risk mitigation when income is uncertain and weighs in on a Geelong investment property. An anonymous listener from Perth wants to buy their “forever home” in 7–10 years and seek...

en-au

174 results

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