Investopoly

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Ep 433: ASX 200 or global shares: Where to put new money

2026-11-0334:24

Read Full Blog Here I wouldn’t sell your Australian shares, but I’d put most new money into global shares. The ASX is concentrated, expensive, and slow-growing. The ASX 200 returned a solid 9.4% a year over the past decade, but that came mostly from banks and BHP, and the top 10 stocks now make up half the index. In this episode, I look at what’s likely to drive future returns: valuations, high dividend payout ratios, oligopolies, a 2% technology weighting, and weak per capita GDP and product...

Q&A - Capital gains tax 6-year rule: the rentvesting trap

2026-11-0235:21

Moving into a rentvested property no longer dilutes your CGT because of the 1 July 2027 deemed disposal. I’d keep one property CGT-free. In this listener Q&A, I explain why Daniel’s plan to move into one of his rentvested properties won’t work under the new rules, and why every rentvester should protect at least one CGT-free home. Steve wants to sell his investment property to buy a $2 million home. If the original decision was sound, I’d stick with it, because the real risk is executing ...

Ep 432: Bond ETFs vs 10-Year government bonds: Lock in or not?

2026-10-2738:31

Read Full Blog Here 10-year bonds near 5.2% look good, but I’d rather use subordinated debt ETFs. They pay about 1% more with almost no interest rate risk. A listener asked whether it’s time to lock in long-dated fixed-rate bonds now that yields are at their highest in about 15 years. In this episode, I explain duration and credit risk, why it’s hard to earn more than your starting yield, and how to measure the term premium properly. I then compare long-dated government bonds with subordinate...

Q&A - Bucket company asset allocation: trust or company?

2026-10-2638:00

A bucket company doesn’t change my allocation: I’d still favour global shares. Rebalance with new money and dividends, not by selling. Campbell here, filling in for Stuart. Simon has $2 million in a bucket company and too much in Australian shares. I explain why the new minimum 30% tax on capital gains levels the playing field for companies, why retained franking credits are so valuable, and how to reweight without paying unnecessary capital gains tax. Penguin Guy has an ETF portfolio in a fa...

Ep 431: How much life insurance do you need: And when to cut it

2026-10-2036:13

Read Full Blog Here Have full cover while you’re young and it’s cheap, then cut it back as your assets grow. Income protection matters most, trauma the least. In this episode I explain how we calculate life, TPD and income protection cover, and why the final step is weighing the premium against what that money could earn if you invested it instead. I also cover: Why we always use stepped premiums rather than level premiumsWhy life and TPD belong inside super and income protection outside itCh...

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