Q&A: How To Use Inheritance, Buying Into A Business, How To Invest Cash In SMSF, When To Get Advice And More... Investopoly podcast

39:10

Read full blog here. In this episode, Campbell Wallace explores one of the most crucial steps in any property journey: setting the right budget. He breaks the process into two key questions, how much you can borrow vs. how much you should borrow, and explains why borrowing capacity alone shouldn't drive your decision. Campbell outlines: How to calculate a sustainable borrowing limit based on your surplus investable cash flow When it might make sense to borrow to your full capacity, especially for younger investors with a long time horizon Why property quality should trump quantity, and how to avoid false economies with your home purchase The risks of under borrowing or compromising too much on asset quality How other factors like super contributions, diversification, and age should influence your investment approach He also warns against letting location dictate your budget and shares the golden rule: budget first, property second. Plus, a reminder not to ask your barber if you need a haircut—always be mindful of biased advice. If you're thinking about your next property purchase, this episode will help you set a smart, strategy-aligned budget that supports your long-term wealth goals. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Q&A: Adjust ETF cost base annually, help kids into property, asset allocation in retirement and more... 31:05

6 days ago31:05

31:05

In this Q&A episode, Stuart addresses a wide range of listener questions, from technical ETF tax adjustments to retirement planning strategies using superannuation. He starts by explaining how ETF investors need to account for AMIT cost base adjustments when calculating capital gains tax—an often overlooked detail that could mean paying more tax than necessary. He breaks down what AMIT is and why it matters for investors who regularly receive ETF tax statements. Next, Stuart gives thoughtful advice on helping children into the property market, tackling the challenges of managing differing time horizons and property goals across siblings. He outlines a balanced approach to structuring property purchases with long-term capital growth in mind. He also responds to a listener planning to move to Brisbane and build a home while selling underperforming investment properties. Stuart discusses how to balance serviceability, construction timing, and preserving cash against inflation. Finally, he covers asset allocation in retirement, addressing whether it’s risky to have all super invested in a lifecycle fund when to consider diversifying into property and whether cash buffers are needed for market downturns. This is a helpful episode for anyone navigating wealth building, tax strategy, or long-term planning. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 359: How bad does a property need to be to warrant selling it? 32:28

12 days ago32:28

32:28

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart tackles a tricky but important question: how bad does a property need to be to justify selling it? If you suspect a property in your portfolio isn't investment-grade, Stuart walks through a step-by-step process to assess whether replacing it could make you significantly better off—after factoring in selling costs, stamp duty, buyer’s agent fees, and capital gains tax. He explains how to: Estimate your current property’s future return Set a realistic benchmark for what investment-grade property should deliver (2% yield + 7% capital growth) Weigh opportunity cost and transactional expenses Use detailed scenario modelling to compare long-term wealth outcomes He also highlights key questions to consider before making a decision: Can you afford to upgrade to a superior asset? Will underperformance materially impact your retirement plans? Do you have enough time before retirement to justify the switch? Could you hedge by buying a better asset now and selling the underperformer later? This episode is packed with real numbers, smart frameworks, and cautionary insights. If you're unsure whether to hold or sell a lagging property, this is essential listening. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Q&A: My target audience, investing in US domicile ETFs and whether to repay P&I to minimise interest rate... 35:59

13 days ago35:59

35:59

In this Q&A episode, Stuart explores whether his financial strategies apply broadly or mainly to wealthier Australians, responding to recent data showing few households have $2M+ in super. He explains how his goal is to equip a wide range of listeners to make better decisions, regardless of starting point, and why aiming high with financial goals can still be relevant and motivating. He also answers a question on US-domiciled ETFs, covering tax implications, currency risk, and whether Irish-domiciled UCITS ETFs can provide a more efficient option for long-term Australian investors. He discusses how income, reporting, and capital gains are treated, and clarifies some common misconceptions. Next, Stuart tackles whether it’s worth switching investment property loans from interest-only to principal and interest, weighing the opportunity cost of redirecting cash flow toward debt versus other investments or paying down a PPR loan. Finally, a listener outlines their detailed financial plan and asks if they should stretch their home budget, buy an investment property, or stay the course with ETF investing and super. Stuart walks through key considerations around private school costs, inheritance timing, and borrowing strategy. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 358: How much wealth is enough? 32:20

19 days ago32:20

32:20

Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart tackles one of the most important financial planning questions: how much is enough? He shares his personal philosophy—invest just enough to meet your goals comfortably, but no more—and reminds listeners that wealth is a means to enjoy life, not just a number to chase. Stuart explains how to think about wealth targets, offering a clear framework for calculating how much you need to fund different retirement lifestyles. He covers: How to plan around supercaps and tax-free thresholds What to do with property in retirement Why you should consider reducing property exposure and using super for tax efficiency When to invest more, and when to start spending He also addresses the mental challenge of switching from saver to spender, and why starting early—even with small amounts—makes a big difference. Whether you’re in your 30s, 50s, or already retired, this episode offers a grounded, practical, and values-based approach to wealth building. Tune in to rethink your goals, reset your expectations, and align your money with your life. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Q&A: Co-investing in property considerations, selling property to adult children, rebalancing portfolios and more... 35:11

20 days ago35:11

35:11

Register for live event on 28 May at 7pm In this Q&A episode, Stuart dives into questions around co-investing in property with family, selling to adult children, managing tax exposure, and adjusting share portfolios amid market volatility. He begins by exploring the complexities of joint property ownership among siblings, highlighting the importance of equal ownership, clear legal structures, and protective clauses to manage risk, especially around relationship breakdowns or financial stress. He also covers how to structure a family property when parents will live in it, including handling rental income and tax compliance. Next, Stuart responds to a parent considering selling 50% of an investment property to their daughter and her partner. He explains the capital gains tax and structuring implications, and whether the strategy is a sound path toward intergenerational wealth transfer. The episode also features guidance on portfolio rebalancing in volatile markets, including whether to reduce concentrated holdings or invest in emerging market ETFs—plus a few fund suggestions for those looking at Asia. Lastly, Stuart clarifies the six-year CGT exemption rule and answers a property strategy question for a couple struggling to balance rentvesting, affordability, and long-term home ownership. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 357: Resurgence of investment-grade apartment prices in Melbourne 30:51

26 days ago30:51

30:51

Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart revisits a call he made nearly five years ago—that investment-grade apartments in Melbourne were due for a growth cycle. After a long period of underperformance, the signs are finally pointing to a market turning point. He outlines the key forces driving a potential resurgence: New apartment supply is not keeping up with population growth Construction costs are up 30%, raising replacement costs and limiting new stock Expanded government incentives like the First Home Guarantee will supercharge demand Falling interest rates and relaxed HELP debt rules are boosting borrowing capacity Melbourne’s apartment prices look historically cheap compared to both houses and other capital cities Stuart also draws a comparison to Brisbane, where apartment prices surged nearly 60% after a 13-year flat spell. Could Melbourne be next? A recent sale in Hawthorn may already be hinting at a shift. If you've been holding an investment-grade apartment or are considering entering the market, this episode is packed with data, strategy, and timing insights. Tune in to understand why the next growth phase could be closer than you think. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Q&A: Whether to sell ungeared property, property equity funding retirement, property strategy in Sydney... 31:48

27 days ago31:48

31:48

Register for live event on 28 May at 7pm In this Q&A episode, Stuart explores whether it's worth holding low- or ungeared property investments when shares often offer higher returns. He explains why opportunity cost matters—but also why property’s stability, tax treatment, and long-term compounding still make it a valuable part of a diversified portfolio. He also answers a common question: if you don’t plan to sell your investment properties, how do you turn that equity into cash flow in retirement? Stuart outlines several strategies, including using offsets, redrawing, or modest leverage to access equity without selling. The episode then shifts to property strategy, with a listener debating whether to buy now in Sydney, wait to purchase in their ideal suburb or invest interstate. Stuart unpacks the trade-offs between negative gearing, borrowing limits, and timing the market. Finally, he responds to a listener deciding whether to sell a Geelong property to buy in Queensland or hold it under the six-year rule while rentvesting. Whether you’re managing equity-rich properties, planning a home upgrade, or navigating high interest rates, this episode offers practical, thoughtful strategies to help guide your next move. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 356: How to choose an investment option in super 32:39

5 weeks ago32:39

32:39

Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares practical advice for one of the most important superannuation decisions you'll make: how to invest your super once you've chosen your fund. He explains the differences between pre-mixed investment options like Conservative, Balanced, Growth, and High Growth, and why you can't always trust the label. Some “Balanced” options are really aggressive, so always check the underlying asset allocation. Stuart breaks down the two key factors to consider: your time horizon and your risk tolerance. If you're under 50, the evidence clearly shows that growth assets (like shares and property) outperform over the long term—even if they’re more volatile. For those not accessing super for decades, that volatility is worth enduring. He also warns against common mistakes like mixing investment options, trying to manage your own asset allocation, or using DIY investment tools without advice. Instead, he recommends choosing one pre-mixed option that matches your goals and sticking with it. Whether you're just starting out or approaching retirement, this episode will help you make a smarter, evidence-based choice for your super. Tune in and take control of your long-term financial future. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Q&A: When to increase super contributions, offset or redraw, super or property and more… 31:39

5 weeks ago31:39

31:39

In this Q&A podcast episode, Stuart tackles timely questions on super contributions, property strategy, and how to structure wealth to optimise flexibility, returns, and tax outcomes—particularly as retirement nears. Jack opened the episode with a practical question about offset accounts versus redraw facilities. As he approaches retirement, he's focused on maximising flexibility and wanted clarification on how each structure works, especially with salary deposits, credit card repayments, and long-term access to funds. George, aged 58, sought guidance on how to best deploy $260,000 in spare cash after selling a Queensland investment property. Stuart explores the pros and cons of contributing to super (both concessional and non-concessional), buying property (including the impact of Melbourne’s land tax), or investing in ETFs—especially during periods of market volatility. George’s goal is to retire at 62, and Stuart offers a strategy that balances growth potential with tax efficiency. Shan and his wife, both in their mid-30s, wanted to understand when it makes sense to increase super contributions, given they already have a mortgage-free home and neutral investment properties. Stuart outlines the questions young families should ask when weighing super versus other wealth-building paths during their peak earning years. Pat, 32 and a company director asked when a family trust becomes more beneficial than investing personally. With a growing share portfolio, he wanted clarity on the cost-benefit tipping point for using a trust structure—especially in a down market where transferring assets might carry lower CGT. Finally, Vanessa explored whether to use inherited funds to purchase a property within super or invest in ETFs now and contribute later. Stuart shares general insights on liquidity, long-term growth, and the trade-offs between inside and outside super environments. If you’re weighing super, property, ETFs or trust structures—or trying to figure out when to dial up your retirement strategy—this episode is packed with valuable insights. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 355: Property ownership in personal names - factors to consider 33:13

6 weeks ago33:13

33:13

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the key factors to consider when owning property in your personal name. While it is the most common structure among investors, there are important decisions to make that can have a lasting impact on your tax outcomes, cash flow, and asset protection. He outlines the three main ownership options: sole ownership, joint ownership, and tenants-in-common. Each structure comes with its own benefits. For example, sole ownership may maximise negative gearing if one spouse has a higher income, while a tenants-in-common split can be tailored for tax efficiency and cash management. Stuart also explains how ownership affects land tax thresholds, capital gains tax, and estate planning. He shares strategies using offset accounts to optimise loan structure, particularly for couples with uneven incomes. When it comes to your family home, Stuart covers when asset protection or future investment use might influence how it should be owned. The key takeaway is that changing ownership after purchase is usually expensive and triggers stamp duty or CGT, so it is essential to get it right from the start. If you are planning to buy property soon, this episode will help you choose the best ownership structure for both current and future circumstances. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Case Study: Six-fold increase and now ready for retirement 30:20

6 weeks ago30:20

30:20

In this case study episode, Stuart Wemyss shares the success story of a couple who experienced a six-fold increase in their investment assets, now positioning them for a comfortable retirement. When they first sought advice in 2015, the couple, aged 54 (him) and 51 (her), had a home valued at $900k with no debt, and co-owned three investment properties worth $1.2 million with $760k of debt. Their superannuation was $180k, and their combined income ranged from $300k to $400k annually. Fast forward to today, their home is now worth $1.6 million, and they have reduced debt on their properties, resulting in $760k of equity. A new investment property purchased in Melbourne in 2018 has added $600k in equity. Their superannuation has grown to $1.2 million, and family trust investments amount to $595k. Their net investment assets now total $3.15 million, a six-fold increase, with $1 million of that coming from debt reduction. Stuart highlights key strategies that contributed to their success, such as diversifying investments, optimizing super, and consistently investing in shares since 2020. He also discusses the importance of effective cash flow management and reducing unnecessary insurance cover. The couple, now 64 and 61 years old, are ready to retire comfortably. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 354: What to do if you are not ready for financial advice… yet 35:45

7 weeks ago35:45

35:45

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares smart, practical steps for those who aren’t quite ready to pay for full financial advice—but still want to make smart money moves. He explains the difference between straightforward and complex financial decisions. Early in your wealth-building journey, most choices are straightforward if you educate yourself on the fundamentals and find a great professional mentor—like a savvy mortgage broker or accountant—to guide and reassure you. Stuart also gives real-world examples of how mentorship and basic strategic advice have helped clients successfully build property portfolios and secure financial freedom—without initially needing full-service advice. However, he warns that when financial complexity increases, or if you lack confidence in making investment decisions, it’s crucial to know when to bring in a qualified financial advisor. If you’re early in your journey and wondering how to move forward wisely without overpaying for advice, this episode is essential listening. Stuart offers clear, experience-backed guidance to help you stay on track while you build your foundation. Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Q&A: Interest-only loans, transferring investment ownership, education bonds and more... 32:50

7 weeks ago32:50

32:50

In yesterday’s Q&A podcast episode, Stuart answered a wide range of listener questions about property investing, tax strategies, and long-term financial planning. He explained options for investors whose interest-only loan terms are ending, covering whether refinancing or switching to principal and interest repayments makes more sense depending on personal strategy. He also discussed the timing of paying down investment loans and different exit strategies for property investors. Another listener sought advice on structuring future ETF investments and whether it is worthwhile to transfer an existing portfolio into a family trust. Stuart broke down the key factors to consider, including capital gains tax implications and long-term flexibility. For those planning education funding, Stuart addressed whether education bonds are an efficient way to save for private school fees compared to a regular share portfolio, and the pros and cons of setting up one bond per child versus one combined bond. The episode also covered the nuances of land value growth for units versus houses, and how to think about the land-to-asset ratio when assessing long-term investment prospects. Finally, Stuart reviewed a detailed family financial plan involving superannuation consolidation, wrap platforms, education bonds, and SMSF management, offering broad principles to help guide listeners facing similar decisions. As referenced during the episode, you can also listen to Don’t Wait Until It’s Too Late – Strategic Retirement Planning here . Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me , discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog : https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.…

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Ep 353: Are property plans worth paying for? 32:28

8 weeks ago32:28