Investopoly

Read full blog here.In this episode, Stuart discusses the feasibility and strategies of borrowing to invest in shares. He compares the practice of leveraging for share investments with the more commonly accepted approach of borrowing for property investments in Australia. Stuart highlights that gearing contributes significantly to property investment returns and the same principles can be applied to share investments. The episode explores three borrowing options: margin loans, investment mortgages, and internally geared ETFs. Stuart addresses the higher volatility associated with shares and suggests mitigating strategies like regular investing and maintaining a conservative loan-to-value ratio.He presents a case study demonstrating how an investor could accumulate substantial wealth by consistently investing borrowed funds alongside personal savings over an extended period of 24 years. Stuart estimates the investor would have tripled their investment by the end.The episode concludes with Stuart's recommendations - for smaller portfolios under $500,000, he suggests internally geared ETFs, while for larger investments, he advises seeking professional guidance to ensure proper diversification and risk management through a mix of ETFs and low-cost managed funds.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this case study episode, Stuart takes us through a real-life scenario of a client who retired at 55 with ambitious spending goals. The client wanted to spend a hefty $300,000 per year for the first 15 years of retirement, followed by reduced spending of $200,000 and then $150,000 annually in later years. With a substantial asset base including $2 million from selling their home, $2.5 million in super, and a $4 million beach house, proper planning was crucial.Stuart outlines the multi-faceted strategy they devised, involving property elements like investing the home sale proceeds, buying a city property, and restructuring to minimise capital gains and land taxes. Navigating investment entities and structures to optimise imputation credits was also key. Perhaps the biggest challenge was generating a high income stream, especially before the client could access their super.This case study highlights the importance of comprehensive retirement planning that accounts for desired spending levels, makes prudent return assumptions, seamlessly integrates tax planning, and strategically utilises all available assets and income sources. An engaging listen for anyone looking to master their retirement game plan.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read full blog here.In this episode, Stuart delves into statistical analyses and economic insights, dissecting the nuanced factors influencing property market trends over the past two decades and speculating on their implications for future investment strategies.Commencing with a comparative analysis of median house price growth rates across major capital cities, Stuart uncovers a stark contrast between the preceding two-decade periods. He scrutinises inflation-adjusted growth figures, attributing a significant portion of the disparity to evolving economic landscapes and regulatory shifts.He delves into pivotal events such as the Global Financial Crisis and recent pandemics, examining their impact on borrowing capacity and market sentiment. Through an exploration of historical borrowing trends and regulatory interventions, Stuart illuminates the evolving dynamics shaping property investment landscapes.Drawing on empirical data and forward-looking projections, he advocates for a conservative approach to property investment, emphasising the importance of proactive portfolio management and market intelligence. From identifying potentially undervalued markets to leveraging value-added opportunities, Stuart empowers listeners with actionable insights to navigate uncertain terrain and maximise investment returns.Stuart offers a prudent reminder: while the property market's future trajectory remains uncertain, strategic planning and informed decision-making can mitigate risks and position investors for long-term success. Tune in to gain invaluable perspectives on adapting to evolving market dynamics and safeguarding your property investment portfolio.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this captivating case study episode, Stuart delves into the real-life journey of rebuilding wealth post-divorce, offering invaluable lessons along the way.Following a client's separation in 2018, Stuart outlines the financial implications and strategic decisions made during the subsequent settlement in 2019. Despite the challenges, Stuart's guidance steered the client towards retaining key assets and formulating a plan for future financial security.Through meticulous planning and prudent investment choices, including property acquisitions and retirement strategies, Stuart demonstrates how resilience and strategic foresight can lead to successful wealth rebuilding post-divorce.Listeners gain actionable insights into navigating complex life transitions, the importance of financial planning, and the potential for rebuilding even amidst adversity. If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read full blog here.In this insightful episode, Stuart dives into the critical factors to weigh when upgrading your home - a decision with both significant lifestyle and financial implications. He emphasises the importance of approaching it with an investment mindset, aiming to purchase a high-quality home that aligns with your aspirations while also maximising long-term capital growth potential. Key topics explored include strategically stretching your borrowing capacity to afford the best property possible without overextending yourself. He provides guidance on evaluating whether to retain your existing home as an investment, the ideal sequence of buying before selling, financing options like bridging loans and assembling the right professional team.Stuart underscores the need to remain as unemotional as possible throughout the process, leveraging the objectivity of experts like buyers' agents. He also addresses skillfully timing real estate market cycles to optimise buying and selling decisions.With valuable real-world insights, this episode equips you to confidently navigate the complexities of upgrading your home. Maximise this impactful investment by considering all angles - from finances and tax implications to lifestyle priorities. Don't miss the expert advice on transforming your home upgrade into a wealth-building opportunity.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this compelling case study episode, Stuart shares a real-life example that masterfully combines estate planning, tax minimisation, and portfolio management strategies. He walks through the steps taken to optimise an unexpected multi-million dollar inheritance for a client.The pivotal move? Establishing a testamentary trust as outlined in the will, enabling the transfer of the inherited share portfolio into this strategic structure. By distributing the income and capital gains to the client's seven grandchildren, a remarkable tax-free outcome was achieved by leveraging their lower marginal rates. Stuart's team then transitioned the concentrated Australian share portfolio to a more diversified, rules-based, and evidence-backed approach—reducing risk while still capturing impressive growth from $4 million in 2020 to $4.8 million today despite drawing income.This case serves as a powerful testament to the compounding benefits of seeking timely advice and properly structuring assets.Tune in for an insightful look at how professional guidance can potentially unlock substantial value, even from unexpected windfalls. Don't miss these real-world lessons!If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read the full blog here.In this episode, Stuart presents a compelling analysis of the merits and pitfalls of investing in digital assets. Despite recent surges in Bitcoin's price and endorsements from influential figures like Blackrock's CEO, he expresses significant scepticism about cryptocurrencies as a worthwhile investment. Stuart acknowledges the growing presence of fund managers and the proliferation of Bitcoin Exchange-Traded Funds (ETFs) as potential avenues for investment. However, he cautions against undue optimism, highlighting the commercial incentives of asset managers and the uncertain impact of ETFs on crypto's volatility. He argues that after over a decade, crypto has failed to gain wide adoption as a means of exchange beyond speculative investing and illicit activities. It lacks the fundamental utility underpinning traditional investments tied to products or services. Stuart likens crypto to a social Ponzi scheme reliant on continuously convincing new buyers.Major drawbacks he outlines include extreme volatility undermining crypto's viability as a store of value, along with significant custody risks from unregulated exchanges vulnerable to hacking or bankruptcy. If crypto did achieve mainstream success, Stuart argues regulation would strip away its touted decentralised nature.While some have gotten rich from crypto's rise, he cautions it operates on a zero-sum basis with equal losers. If investing, Stuart recommends only allocating what you can afford to lose within a fundamentally sound overall portfolio strategy, as the "music could stop any time on this speculative party."If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this episode, Stuart delves into the gravity of property decisions and their far-reaching consequences. He recounts a particularly challenging scenario where his expertise was pivotal in guiding clients through the maze of property investment considerations.The dilemma was whether to purchase a home now or defer the decision to a later date. Many factors came into play, including borrowing capacity, taxation implications such as unrealised capital gains, and the looming prospect of escalating property prices in the future.Striking the delicate balance between leveraging debt for investment while preserving flexibility for future home purchases demanded a comprehensive understanding of property markets, investment fundamentals, and tax implications. Stuart's approach encompassed financial modelling, taxation expertise, and traditional financial planning acumen, culminating in a meticulously crafted strategy.The complexity of the task highlights the rarity of advisors capable of navigating such intricate terrain. Stuart emphasises the necessity of a multidisciplinary approach, acknowledging the limitations of specialists confined within their respective domains.This case study serves as a poignant reminder of property decisions' profound impact, extending beyond mere investment returns to shape long-term financial well-being. It underscores the imperative for informed decision-making, where expertise across diverse fields converges to chart a course towards financial security and prosperity.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read full blog here.In this episode, Stuart Wemyss delves into the nuanced debate of prioritising short-term returns versus adopting a steadfast long-term investment strategy. Drawing from his extensive experience, Wemyss navigates the complexities of financial planning, urging listeners to reevaluate their approach amidst fluctuating market conditions.He articulates the inherent advantages of a long-term perspective, emphasising its ability to filter out short-term noise and minimise risks and costs associated with frequent trading. Through insightful analysis, he elucidates the unparalleled power of compounding returns, vividly depicting wealth accumulation over time.However, Wemyss acknowledges the allure of short-term gains and the potential benefits for novice investors seeking to bolster their financial position. Yet, he cautions against the pitfalls of addiction to short-term thinking, stressing the importance of setting clear deadlines for transitioning to a long-term approach.He challenges conventional investment paradigms, urging listeners to prioritise patience and foresight over instant gratification. As Charlie Munger aptly states, "The big money is not in the buying and selling but in the waiting."For investors navigating the intricate landscape of financial planning, this podcast episode offers invaluable insights and strategic perspectives to inform sound investment decisions in an ever-evolving market environment.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this episode, Stuart delves into the intricate interplay between personal and business advice, offering practical wisdom gleaned from real-life scenarios.In just 2.5 years, our clients' journey illustrates the fusion of business and personal financial strategies. From optimising business structures to navigating government regulations, we've streamlined operations for growth. Meanwhile, on the personal front, we've tackled property investments, leveraged borrowing capacities, and strategised for overseas living—all while safeguarding against risks like estate planning and insurance.The key revelation lies in the symbiosis between business success and personal aspirations. As their business flourishes, their financial framework must evolve to support personal goals. Our case study underscores the necessity of adaptability in investment decisions and tax planning amidst dynamic circumstances.Tune in to explore how a holistic approach to financial management can seamlessly align business growth with individual wealth objectives. Invest in your future by understanding the intricate dance between personal and business finances.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read full blog here.In Part 1, the podcast scrutinised the performance of apartment markets in major Australian cities over the past decade, uncovering reasons behind their underperformance and prospects for a new growth cycle. In this podcast episode, Stuart Wemyss provides a deep dive into the critical decision of whether to sell underperforming apartments in Australia's real estate market. Wemyss meticulously analyses the performance of apartment markets in Melbourne, Sydney, and Brisbane over the past decade, shedding light on factors influencing their growth potential.Listeners gain valuable insights into the contrasting dynamics of apartment markets across major Australian cities, from rising values in Brisbane to affordability indicators in Sydney and potential challenges in Melbourne due to market dynamics and tax implications.Wemyss presents a practical 4-question framework to guide listeners through the decision-making process, from assessing apartment quality to exploring reinvestment options and considering block selling opportunities. He emphasises the importance of tailored advice and engaging professionals like buyers' agents, mortgage brokers, accountants, and financial advisors to make informed decisions aligned with individual financial goals.Tune in to this episode for expert guidance on navigating the complexities of the apartment market and optimising investment strategies for maximum returns in an evolving real estate landscape.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read the full blog here.In this podcast episode, Stuart Wemyss delves into the intriguing dilemma of whether to sell underperforming apartments in Australia's real estate market. He dissects the prolonged underperformance of apartments in Melbourne, Sydney, and Brisbane, spanning over a decade, challenging investors to reconsider their strategies in light of stagnant growth rates.The episode navigates through the complexities of supply-demand dynamics, construction quality concerns, and shifting rental yields versus owner-occupier interest rates. Moreover, Wemyss offers insights into the evolving relationship between apartment and house prices, highlighting the current affordability gap and its implications for investment decisions.Through meticulous analysis and astute observations, he unveils the potential triggers for a market resurgence, including dwindling new apartment starts and increasing construction costs. The episode concludes with a thought-provoking examination of the cost-benefit analysis between renting and owning, providing listeners with valuable considerations for navigating the evolving real estate landscape.For investors seeking clarity amidst market uncertainty, this podcast episode serves as an indispensable guide, offering actionable insights and strategic perspectives to inform their investment decisions in the ever-evolving apartment market landscape.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this episode, Stuart Wemyss unpacks a real-life case study covering downsizing, business exits, and inheritance. The client initially received fragmented advice, leading to confusion and inefficiencies in their financial strategy.Through our integrated approach, we optimised their SMSF investments, streamlined portfolios, and strategically sold underperforming assets. With proactive business restructuring and astute estate planning, we achieved substantial tax savings.In just 2.5 years, our collaborative efforts spanned business advice, portfolio management, tax structuring, and property guidance. This holistic approach highlights the value of a unified advisory team.Join Stuart as he simplifies financial planning, showcasing the transformative power of integrated guidance across disciplines. This episode illustrates how synergy can unlock significant value for clients.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read the full blog here.In this podcast, Stuart Wemyss delves into the intriguing dynamics of property investment, challenging the conventional wisdom that blue-chip suburbs are always the safest bet. The episode begins by scrutinising misleading claims made by some buyers' agents, emphasising the importance of thorough due diligence in a market often lacking regulatory protection. The host addresses the recent boom in regional towns, exploring why seemingly secondary suburbs can outperform blue-chip counterparts.Drawing on extensive research and real-life examples, the podcast highlights the pitfalls of short-term performance data and the significance of focusing on long-term investment fundamentals. Through a comparison of properties with rapid initial growth and consistent, moderate growth, the host demonstrates the lasting benefits of investment-grade locations.The episode also examines the surprising success stories of secondary suburbs like Moorabbin, Bentleigh, and McKinnon, shedding light on factors like the affordability ripple effect and gentrification. The discussion culminates in a crucial takeaway: while there may be short-term outliers, blue-chip, investment-grade locations are ultimately the least risky and more likely to withstand market fluctuations. For potential investors seeking a nuanced perspective on property investment, this podcast offers valuable insights and challenges preconceived notions, making it a must-listen in the ever-evolving landscape of real estate.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read the full blog here.In this insightful podcast, listeners delve into the intriguing relationship between interest rates and growth company valuations. Contrary to conventional wisdom, higher interest rates haven't significantly dampened stock market valuations, challenging prevailing expectations. With 72% of S&P 500 companies reporting higher-than-expected earnings, the resilience of the US economy stands out. However, the discussion extends beyond the US, exploring future expected returns across different geographical markets. Japan and emerging markets lead with projected 10-year returns of 9.1%, while US large caps lag at 3.0%.The podcast doesn't just analyse; it provides actionable insights. Listeners gain strategies for navigating these market dynamics, from diversifying portfolios across Australian and ex-US markets to incorporating sustainable investments. The evidence-based approach advocated here offers a roadmap for maximising returns while mitigating risks. Whether you're a seasoned investor or just getting started, this podcast equips you with the knowledge and strategies needed to thrive in today's dynamic market landscape.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In my regular weekly episode, I talk about the theories, methodologies, and principles associated with investing. These case study episodes aim to share how the application of our approach to formulating advice has worked in a real-life situation. Case study: Property advice is crucial How wealth advice, property advice, and lifestyle goals are often very interrelated.  Approached us for advice in 2019. Male-owned new-build apartment with $200k of equity. Female-owned house and land package with $260k of equity in it. They had high incomes, but also spent a lot.  Neither of their properties would be considered investment grade.  Advice: sell both, and invest $460k of equity in the highest quality house they can afford. Retain as much cash as possible. Don’t worry about building. Use a buyers’ agent.  In July 2020, they bought a home for $2m. They borrowed around $1.9m = forced savings. Used family guarantee (mum’s ppty) so that they could retain cash.  Their property is now worth $3.5m. $1.5m tax-free gain.  It was a 10+ year strategy, and we couldn’t have anticipated that they’d be so well off after only 3 years, but it’s a good example.  What can we learn? Well-rounded advice is very important.  A financial advisor wouldn't have the knowledge and experience to appreciate what their next best move was.  Mortgage brokers don't have the full picture.  Often, buyers and agents will be too influenced by the clients’ desires. It's only with the benefit of hindsight do you know how valuable it can be to stretch yourself. Being too conservative can be costly.  Cannot underestimate the tremendous lifestyle impact of upgrading the home. A forced savings strategy is very good for people who are spendthrifts.  Structuring the mortgage currently was important to (1) ensure he maintained a buffer and (2) took advantage of low rates – we staggered expiries.    If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read the full blog here.Unlock the secrets of investment bonds in this podcast, diving into their tax-efficient allure, especially for children's investments. Discover the nuances of these financial products, their advantages, and potential drawbacks. Delve into the 10-year tax-free withdrawal strategy, the '125% rule,' and administration costs ranging from 0.40% to 0.60% p.a.Join the discussion comparing investment bonds against low-cost index funds like Vanguard High Growth, unveiling the potential tax benefits and drawbacks over a 10-year period. Explore alternative options such as repaying home loans, investing in a lower-income spouse's name, and strategic approaches to minimize Capital Gains Tax (CGT).Gain insights into the comprehensive financial planning needed for effective decision-making, with tips like park money in your home loan, consolidate investments, and create accounts for minors. Uncover the potential pitfalls and advantages of investment bonds, and why, in practice, they are rarely recommended. For a deeper understanding of wealth-building strategies and alternatives, tune in to this insightful podcast.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

Read the full blog here.Unlock the secrets to turbocharge your journey to a mortgage-free life! Forget the noise of countless tips – I've distilled it down to the essential, powerful strategies that truly make a difference. Uncover the 3-4 game-changing methods that will accelerate your home loan repayment. No fluff, just results!Crack the Code to Lower Interest Rates: Your loyalty is costing you! Learn how to negotiate lower rates, decode the bank's retention strategy, and save big. A good mortgage broker can be your secret weapon.Offset, Repayments, and Cash Flow Magic: Maximize the power of offset accounts, make extra repayments with confidence, and manage your cash flow like a pro. Your mortgage will thank you with interest savings that compound over time!Flexible Strategies with Plan B: Life happens, so be prepared. Explore alternative strategies like downsizing, smart investments, or tapping into your super. Plan B ensures you're always in control.Self-Employed? Your Accountant Holds the Key: Get personalized advice from a holistic accountant on business structures and tax optimizations tailored to your situation. We've helped many self-employed individuals fast-track their mortgage repayments – find out how!So, don't get lost in a sea of unimportant or inferior ideas. More than 95% of success lies in a focused approach. Minimize debt costs, leverage an offset, and channel your cash flow – that's the winning formula.Ready to revolutionize your approach to mortgage repayment? Embrace simplicity and effectiveness. Your mortgage-free future starts here!If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

In this podcast episode, Stuart discusses a captivating case study spanning over 14 years, showcasing the positive impact of their advisory process on clients. The clients, initially with a $2 million investment base, have seen their net worth grow to $6.4 million, excluding homes, through conservative asset allocation and astute financial management. Despite a volatile market, their compounding annual growth rate stands at an impressive 8.7%. The clients, now comfortably retired, attribute their success to long-term thinking, a willingness to seek and follow advice, and the ability to stay focused on their goals amid short-term market fluctuations.The diverse asset allocation includes investments in property, bonds, infrastructure, global property, and a mix of Australian and international shares. Stuart emphasizes the importance of understanding one's risk profile and aligning it with financial goals. The clients' disciplined cash flow management, coupled with a strategic approach to spending, has contributed to their financial security. This case study underscores the significance of a trusted advisory relationship, patience in long-term investing, and staying committed to financial goals.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.

 Read the full blog here.Unlock the secrets to a prosperous 2024 in the real estate market with the "2024 Property Outlook" podcast. In this insightful episode, experts delve into the intricacies of the property landscape, offering a comprehensive analysis of the potential impact of key factors such as inflation, tax cuts, and market dynamics.Listeners can expect a deep dive into the effects of inflation on property values and rental markets, gaining valuable insights into how economic trends may shape investment opportunities. The podcast explores the nuances of tax cuts and their influence on property ownership, providing practical advice for investors looking to maximize returns in a changing fiscal environment.One of the highlights of the episode is the examination of market dynamics, where experts break down current trends and forecast future developments. From the urban jungle to suburban havens, the podcast paints a vivid picture of what the property landscape may look like in the coming year, helping listeners make informed decisions about their real estate ventures.Whether you're a seasoned investor or a first-time homebuyer, this podcast offers actionable intelligence to navigate the evolving property market. The hosts skillfully distill complex economic concepts into easily digestible information, ensuring that listeners walk away with a clear understanding of how inflation, tax cuts, and market dynamics may impact their property portfolios.Don't miss out on the opportunity to stay ahead of the curve in 2024. Tune in to the "2024 Property Outlook" podcast for a strategic roadmap to navigate the ever-changing real estate terrain and position yourself for success in the year ahead.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow Stuart on socials: Twitter/X and LinkedIn.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.