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Each episode, about 15 minutes long, 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.
363 Episodes
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DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart delves into the key indicators property investors should pay attention to, beyond the typical headlines. While economic factors like interest rates and unemployment often dominate discussions, Stuart explains why understanding the psychology of owner-occupiers and credit policy settings is crucial. With over two decades of experience, he shares insights from his recent interview with David Bassan...
DOWNLOAD our 97-point financial health checklist here.In this episode, Stuart takes you through an incredible case study of a young couple who transformed their finances, growing their net worth from $60k of investment assets to over $1.6 million in just 8 years. When they started working with Stuart in 2016, they were 28 years old, and had a home valued at $400k, $60k in super, and $100k in HECS debt.Stuart explains how they strategically purchased two investment properties, including a Quee...
DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart sheds light on the pitfalls of relying too heavily on property data when making investment decisions. While data can be a valuable tool, he explains why it's often misleading in the property market, especially compared to the more reliable stock market data. Stuart dives into the wide variations between different data publishers—highlighting examples where property price changes ranged from 3.3% ...
1DOWNLOAD our 97-point financial health checklist here.In this Q&A episode, Stuart tackles a variety of listener questions.Key topics include commercial property investment funds versus index funds, superannuation strategies, trust structures for investments, financial priorities during maternity leave, employee share risks, and eligibility for first home owner grants. DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Do you have que...
DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart dives into the rising cost of financial advice and what it means for Australians. With ongoing advisor fees often starting at $5,000 per year, many advisors now focus on long-term client relationships, leaving fewer options for those seeking once-off advice. Stuart explains how this shift forces many to navigate financial decisions independently, a challenge that can be daunting but not impossibl...
DOWNLOAD our 97-point financial health checklist here.In this episode, Stuart explores a remarkable case study of a client who increased their investment assets by 5.9 times in just six years. Starting in 2018 with a net worth of $2.9 million, primarily in home equity and superannuation, the client has grown their wealth to $5.1 million today, marking a 170% increase in net worth. Stuart breaks down the key factors behind this success, including the strategic purchase of a Queensland property...
DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart explores the ongoing debate about the future of interest rates and inflation, addressing key questions about when the Reserve Bank of Australia (RBA) might begin cutting rates. He highlights the disparity between the RBA’s forecasts, which predict inflation will only stabilise by 2026, and market expectations, which signal rate cuts as early as 2025. Drawing on historical trends and market insigh...
DOWNLOAD our 97-point financial health checklist here.In this Q&A episode, Stuart tackles a variety of listener questions on property investment, super contributions, and share portfolios. One listener asks whether it’s wise to leverage for an investment property now, even if it might need to be sold in the next five years. Stuart emphasises the long-term benefits of property ownership, combining gearing with time, and suggests a strategy to buy an upgraded home and rent it out.Another li...
DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart tackles a crucial question for property investors: How long does it take for an investment property to cover its costs? He delves into the cash flow dynamics of property investment, explaining why most properties start as cash flow negative and what you can do to improve this over time.Stuart discusses the importance of understanding the timeline for your property to become cash flow neutral, esp...
In this case study episode, Stuart delves into the transformative journey of a couple who started working with Prosolution in their mid-40s, back in September 2016, with a $900k investment portfolio. Over the past eight years, they've grown their investment assets to $2.5 million, a remarkable 2.8x increase.Stuart discusses how Prosolution played a crucial role in cleaning up their investments and ownership structures, including eliminating expensive managed funds, optimising direct shares, a...
DOWNLOAD our 97-point financial health checklist here.Read full blog here. In this episode, Stuart explores the critical question of whether financial advice is worth the cost. He delves into how the value of advice is closely tied to the amount you have to invest, the complexity of your financial needs, and the range of services required. Stuart highlights how professional advice can optimise investment returns, reduce taxes, and prevent costly mistakes through behavioural coaching. He ...
DOWNLOAD our 97-point financial health checklist here.In this Q&A episode, Stuart answers a range of insightful questions from listeners, covering various aspects of property investment, share market strategies, and borrowing capacity. He discusses the best vehicles for holding investments, such as companies, trusts, and superannuation, and offers his perspective on why the Adelaide property market has remained strong despite its economic challenges. Stuart also delves into the use of tru...
DOWNLOAD our 97-point financial health checklist here.Read full blog here.In this episode, Stuart delves into why Australia’s share market often seems to underperform compared to global markets, despite occasional bright spots. He reflects on the recent 6% market drop followed by a modest recovery in Australia compared to the US. While historical data shows a relatively small difference in long-term returns between Australian and international markets, Stuart highlights how recent years have ...
DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/In this case study episode, Stuart takes listeners through a fascinating client journey that showcases a 3.2x growth in investment assets over nine years. Starting with a net worth of $2.7 million in 2015, the clients have seen their wealth soar to $6.5 million by leveraging smart financial strategies. Stuart shares how they helped these clients build a $3.5 million home, increase equity in a ...
DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Read full blog here.In this episode, Stuart revisits the concept of "liveinvesting," a strategy where you invest more in your family home to secure a prime location with strong growth potential. As property prices in cities like Melbourne are currently more affordable, Stuart explores whether now is the perfect time to implement this approach.He explains how liveinvesting can offer significant...
Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.In this episode, Stuart tackles a variety of financial questions, offering expert insights and practical advice on key dilemmas. He begins by discussing whether to sell an investment property to reduce a home loan or hold onto it for long-term growth, weighing the potential returns against the benefits of paying off a mortgage early.Next, Stuart examines the pros and cons of maintaining an inves...
DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Read full blog here.In this episode, Stuart delves into the six crucial considerations for selling a property, offering valuable insights to maximise your success. He begins by emphasizing the importance of presentation and making small improvements to attract buyers and achieve a higher sale price. Stuart discusses the best times to sell, noting that while spring is popular, other seasons mig...
Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.In this case study episode, Stuart explores the impressive journey of a couple who have transformed their net worth from $868k in 2010 to over $5.4m today. Starting with a modest portfolio that included a primary residence, a Tasmanian property, shares, and superannuation, the couple strategically diversified and expanded their investments. Stuart highlights key moves such as acquiring a commerc...
Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.Read full blog here.In this episode, Stuart delves into the critical topic of selecting the best super fund for 2024. With many super funds delivering impressive double-digit returns in the past financial year, Stuart highlights the disparity among funds, particularly in terms of transparency and risk. He emphasizes the importance of scrutinizing funds' investments, especially those with unliste...
Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast.In this case study episode, Stuart Wemyss shifts from case studies to an interactive Q&A format, addressing several listener inquiries. The episode kicks off with strategies for early retirement, where Stuart discusses balancing investment approaches, living expenses, and aggressive gearing techniques to achieve financial independence in your 40s. He also delves into superannuation contribut...
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Inheritance tax disadvantages those not sophisticated enough to use structures like trusts or similar structures.
Love the podcast and Stuart's simple but efficient delivery of information. East to digest. 5 stars
Such great and basic info..Thankyou Stuart..