Investopoly

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Ep 427: How to assess whether property and share markets are attractively priced

2026-09-2235:32

Read Full Blog Here Stuart calls his approach value-aware: buying high-quality assets when they're attractively priced. Quality decides whether something is worth owning; price decides when to invest and how much. In this episode, he explains why both matter: your return comes from two engines: growth in an asset's underlying value and the uplift (or drag) as its valuation mean-reverts toward trend. For property, the entry price is everything because it's lumpy, illiquid, and bought at a sing...

Q&A - Deploying an inheritance, selling an average property, and funding a long retirement

2026-09-2136:27

Four listeners at very different scales. "James," 45, describes himself as not being great with money but ready to fix that with a $480k inheritance, a high income, and 15 years to run. His head is spinning: pay off the mortgage, debt recycle, go all-in on ETFs, start an SMSF, and is property still viable over a 14–15 year horizon versus shares? Stuart brings order to the questions. Alex, in his early 40s, asks a question many quietly avoid: when do you sell an underperforming or average inve...

Ep 426: The do not invest list: why good investors say no

2026-09-1527:34

Read Full Blog Here Most investors think good investing means finding more things to say yes to: more opportunities, more asset classes, more products in the mix. Stuart argues the opposite: the people who build the most wealth over a lifetime have the discipline to say no, repeatedly, to almost everything that crosses their desk. Even the small urge to "switch up" your monthly ETF purchase, just because buying the same thing five times feels unsophisticated, quietly erodes result...

Q&A - Choosing a pension account, topping up in retirement, and offset versus debt recycling

2026-09-1432:34

This episode answers five detailed listener questions spanning retirement income, structure, and the offset-versus-invest decision. A listener retiring at 60 with $1.3m compares the Vanguard SpendSmart allocated pension against his current fund on fees, and asks whether a growth or balanced diversified option suits an account that will be his sole income stream. A couple in pension phase, about to max their transfer balance caps with a further $300k left over in accumulation, ask ...

Ep 425: Family trust investing: Are trusts still worth it under proposed tax changes?

2026-09-0840:46

Read the blog online here. Two tax changes could materially alter how Australians own investments and use family trusts. The first is Division 119, which has already been legislated and will impose a minimum 30% tax on capital gains made after 1 July 2027. The second is a proposed minimum 30% tax on distributions from discretionary family trusts, including both income and capital gains, from 1 July 2028. The interaction between these measures creates a serious problem. Under the draft l...

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