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Investopoly
Stuart Wemyss
482 episodes
4 hours ago
Read Full Blog Here In this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting with the government’s revised $3 million super cap, also known as Division 296. He breaks down what’s changed, what’s stayed the same, and why the new rules are far more balanced than the initial proposal. Campbell also explores what high-balance super fund holders should consider, especially those with illiquid assets, such as property. Listeners...
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Investing
Business,
Entrepreneurship
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All content for Investopoly is the property of Stuart Wemyss and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Read Full Blog Here In this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting with the government’s revised $3 million super cap, also known as Division 296. He breaks down what’s changed, what’s stayed the same, and why the new rules are far more balanced than the initial proposal. Campbell also explores what high-balance super fund holders should consider, especially those with illiquid assets, such as property. Listeners...
Show more...
Investing
Business,
Entrepreneurship
Episodes (20/482)
Investopoly
Ep 383: The new and improved $3M super cap
Read Full Blog Here In this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting with the government’s revised $3 million super cap, also known as Division 296. He breaks down what’s changed, what’s stayed the same, and why the new rules are far more balanced than the initial proposal. Campbell also explores what high-balance super fund holders should consider, especially those with illiquid assets, such as property. Listeners...
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6 days ago
33 minutes

Investopoly
Q&A - Sell, Subdivide, or Supercharge? Navigating Big Money Moves
In this week’s Q&A episode of Investopoly, Stuart tackles a wide range of insightful listener questions. Julianne kicks things off by asking for Stuart’s thoughts on the Canberra property market. Shelly seeks guidance on whether to subdivide and sell land to pay down debt or wait until retirement to reduce capital gains tax. Bay raises the question of when (or whether) it makes sense to shift from low-cost index investing to more actively managed super options, especially with internation...
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1 week ago
32 minutes

Investopoly
Ep 382: Tax planning for PAYG employee – you need to think differently!
Read Full Blog Here In this episode, Stuart unpacks why PAYG employees need to approach tax planning differently and why the system is stacked against them. While company owners and investors enjoy structural advantages and deductions, employees often face limited options. Stuart explains why the two main ways for PAYG earners to reduce tax—super contributions and borrowing to invest should be used as part of a long-term wealth strategy, not short-term tax minimisation. He also explores more ...
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1 week ago
36 minutes

Investopoly
Q&A - Securing Your Forever Home and Building Financial Freedom
>> Register here to join the session. << In this Q&A episode, Stuart tackles a wide range of strategic questions from listeners navigating big financial decisions. Alex (pseudonym Ace) asks whether it’s smarter to upgrade to a forever home now, invest in shares and super, or pursue an investment property first. Stuart explains why securing your long-term home earlier often pays off. Gavin, recently divorced, wants to know how best to prioritise home upgrades, property co...
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2 weeks ago
30 minutes

Investopoly
Ep 381: Warning- Property investors should ignore the last 5 years of data
Read Full Blog Here In this episode, Stuart explains why property investors need to be cautious when relying on the last five years of price data. He outlines how this period has been shaped by a series of unique, disruptive events: surging construction costs, extreme interest rate movements, volatile migration patterns, and the rise of working from home. While these factors have significantly impacted prices, they don’t reflect long-term fundamentals and may not be repeated. Stuart explores ...
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2 weeks ago
30 minutes

Investopoly
Q&A - Rethinking retirement, property opportunities, and financial structures
In this episode, Campbell addresses a wide range of thoughtful listener questions covering retirement planning, property strategy, superannuation structuring, and the real cost of working with brokers. “Fred” runs through a detailed retirement plan with over $5M in super, trust, and cash assets and seeks a sanity check on his 3.25% spending rate and family gifting strategy. Campbell provides perspective on sequence risk, cash buffers, and longevity planning. Kayt asks whether using a financia...
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3 weeks ago
32 minutes

Investopoly
Ep 380: An evidence-based approach to constructing an investment portfolio
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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3 weeks ago
33 minutes

Investopoly
Q&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of Wealth
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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4 weeks ago
32 minutes

Investopoly
Ep 379: Momentum investing- Useful when investing in property or shares
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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1 month ago
32 minutes

Investopoly
Q&A - Property vs shares, selling decisions, and smart retirement strategies
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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1 month ago
29 minutes

Investopoly
Ep 378: The one, evidence-based factor that predicts property price movements
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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1 month ago
34 minutes

Investopoly
Q&A - Property swaps, school zones, early retirement plans, and when to let compounding do the work
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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1 month ago
29 minutes

Investopoly
Ep 377: Are wholesale investors offered better investment options? 
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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1 month ago
30 minutes

Investopoly
Q&A - Private banking, commercial property concerns, when to sell property
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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1 month ago
33 minutes

Investopoly
How to Avoid the 17% Super Death Tax
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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1 month ago
28 minutes

Investopoly
Q&A - ETF portfolio structuring, property versus ETFs, what Stuart would do differently and more
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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1 month ago
31 minutes

Investopoly
Ep 375: What is your return on borrowing capacity (RoBC)
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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2 months ago
26 minutes

Investopoly
Q&A - How much is enough, don’t risk tax benefits, funding renovations and more
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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2 months ago
25 minutes

Investopoly
Ep 374: Testamentary trusts and other estate planning strategies
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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2 months ago
33 minutes

Investopoly
Q&A - Should we buy in Melbourne, development CGT, FHB advice and more
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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2 months ago
27 minutes

Investopoly
Read Full Blog Here In this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting with the government’s revised $3 million super cap, also known as Division 296. He breaks down what’s changed, what’s stayed the same, and why the new rules are far more balanced than the initial proposal. Campbell also explores what high-balance super fund holders should consider, especially those with illiquid assets, such as property. Listeners...