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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

33:43

Ep 380: An evidence-based approach to constructing an...

Investopoly ·

2025/10/28

Read Full Blog Here 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 takes a deep dive into factor-based investing, highlighting the...

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32:11

Q&A - Navigating Property, Super, and Tax: Smart...

Investopoly ·

2025/10/27

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 whether a low-fee option like a Vanguard retirement product is...

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32:02

Ep 379: Momentum investing- Useful when investing in...

Investopoly ·

2025/10/21

Read Full Blog Here 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 dilution when trying to reduce turnover. He also shares why th...

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29:11

Q&A - Property vs shares, selling decisions, and...

Investopoly ·

2025/10/20

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, planning for retirement abroad, outlines a sophisticated strategy involvi...

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34:05

Ep 378: The one, evidence-based factor that predicts...

Investopoly ·

2025/10/14

Read Full Blog Here 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 often correlate far more strongly with price growth than populat...

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29:01

Q&A - Property swaps, school zones, early retirement...

Investopoly ·

2025/10/13

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 buying into a better school zone. Ron from Brisbane wants to know i...

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30:00

Ep 377: Are wholesale investors offered better...

Investopoly ·

2025/10/07

Read Full Blog Here 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-off. Stuart also breaks down the core risks of wholesale inves...

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33:27

Q&A - Private banking, commercial property concerns,...

Investopoly ·

2025/10/06

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-term move. Rob asks about private banking services, what they offer...

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28:59

How to Avoid the 17% Super Death Tax

Investopoly ·

2025/09/30

Read Full Blog Here 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 this tax exists, who it applies to, and how to work around it ...

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31:26

Q&A - ETF portfolio structuring, property versus...

Investopoly ·

2025/09/29

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, value, and emerging market exposure, and whether holding 6 E...

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26:21

Ep 375: What is your return on borrowing capacity (RoBC)

Investopoly ·

2025/09/23

Read Full Blog Here 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 of income and capital growth, demonstrating how the wrong ch...

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25:56

Q&A - How much is enough, don’t risk tax benefits,...

Investopoly ·

2025/09/22

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 wealth, especially when children are on the horizon. Sam raises concerns ab...

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33:03

Ep 374: Testamentary trusts and other estate planning...

Investopoly ·

2025/09/16

Read Full Blog Here 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 trust qualifies for adult tax rates, how these trusts can shi...

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27:35

Q&A - Should we buy in Melbourne, development CGT,...

Investopoly ·

2025/09/15

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 into a broader wealth strategy and the trade-offs involved. St...

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30:57

Ep 373: Property Management- How to manage the manger...

Investopoly ·

2025/09/09

Read Full Blog Here In this episode, Stuart tackles a vital topic for every property investor: how to manage your property manager effectively, rather than being managed by them. He explains why great property management is essential for protecting your investment and cash flow, and how unrealistic expectations or poor communication can lead to costly mistakes. Stuart shares practical tips on navigating maintenance requests, managing rental increases, attending inspections, and choosing the r...

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29:20

Q&A - Which ETFs to use, balancing super tax, fees...

Investopoly ·

2025/09/08

In this comprehensive Q&A episode, Stuart answers a wide range of listener questions spanning early retirement, home loan strategy, asset allocation, and superannuation management. Brett, a low-income investor aiming to retire at 45 with $100–120K in passive income, shares his strategy of holding four investment properties and building a trust-based ETF portfolio. Stuart offers guidance on asset spread, ETF weighting, and tax efficiency. Travis outlines his Adelaide-based property and sup...

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26:27

Ep 372: How to navigate rising land tax

Investopoly ·

2025/09/02

Read Full Blog Here In this episode, Campbell explores one of the biggest creeping costs for property investors today, land tax, and why its rising impact should prompt a serious rethink of long-term investment strategies. He breaks down how land tax thresholds and rates have shifted over the last 20 years in Victoria, NSW, and Queensland, and highlights how frozen indexation and bracket creep are quietly eroding net rental yields. Using projections over 15 and 30 years, Campbell reveals how ...

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34:30

Q&A - Should Tammy sell, which property, super access...

Investopoly ·

2025/09/01

In this Q&A episode, Stuart dives into some complex and common questions from listeners navigating investment property decisions, superannuation strategies, and long-term planning. Tammy asks whether refinancing an investment loan and increasing an equity release is the best way to fund home renovations and a car upgrade. Stuart explains why selling one of their properties might be a more efficient solution. Viktor, a long-term Melbourne investor, wants guidance on whether to sell one or ...

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33:30

Ep 371: Beware of property spruikers: How to spot a...

Investopoly ·

2025/08/26

Read full blog here. In this episode, Stuart sounds the alarm on property spruikers and how to spot the latest fads that can lead unsuspecting investors astray. Drawing from decades of experience, he explains how to distinguish genuine investment advice from cleverly packaged sales pitches designed to serve the seller, not the buyer. From positive cash flow regional properties in the early 2000s to the GFC-era US property rush, mining town booms, and off-the-plan apartment oversupply, Stuart ...

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33:24

Q&A - Is it worth switching to Vanguard Super, home...

Investopoly ·

2025/08/25

In this Q&A episode, Stuart answers a diverse set of listener questions covering retirement preparation, home upgrade decisions, cash flow optimisation, and early-stage financial planning. He begins with El, a couple in their late 50s wondering whether switching from Care and Brighter Super to Vanguard Super is worth the effort as they approach retirement. Stuart outlines the key considerations for super fund selection at this life stage, including fees, flexibility, and pension phase pla...

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174 results

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