Shows / Investopoly
Investopoly
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode…
Episodes
InvestopolyEp 422: Blame the 20-year growth cycle, not necessarily the Victorian government
Read Full Blog HereMelbourne has tested investors' patience like nowhere else. Its median house price has grown just 1.8% a year since early 2017, below…
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Q&A- Structures, debt recycling, and accessing super
Six listeners grapple with how the new tax landscape reshapes their thinking. Nick, six years into regular ETF investing, asks whether to keep his current…
InvestopolyEp 421: Liquidity: what it really buys you
Read Full Blog HereIt's been fascinating to watch how differently asset classes have performed lately, share markets delivering strong double-digit returns…
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Q&A: Company land tax, debt recycling, and building versus selling
Six listeners bring some genuinely meaty questions. Sandy digs into the technical weeds of owning property through a company—whether a discretionary trust as…
InvestopolyEight Rules Revisited #8- The four risks that can derail a plan
Eight Rules Revisited is a companion series to Stuart Wemyss's updated book, Wealth by Design, working through each of the original eight golden rules from his…
InvestopolyEp 420: Can anything make property investing attractive again after the tax changes
Read Full Blog HereWith the negative gearing and CGT changes now law, the property industry is racing to devise workarounds to keep investor interest alive. As…
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Q&A: Deploying $800k, structuring for the future, and what to spend on a car
Four listeners at pivotal moments. "John," 55 and five years cancer-free, has $800k from selling an investment property and a detailed plan for a downsizer…
InvestopolyEight Rules Revisited #7- Own property that everyone will always want
Rule 7 in Investopoly was direct: only invest in investment-grade property. Eight years on, the core of that still holds, but Stuart has sharpened the method…
InvestopolyEp 419: The best super fund for 2026? You’re asking the wrong question
You can download the full report, including the four decision flowcharts and annual review checklist, here…
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Q&A - Property at 49, timing the cycle, and investing through an AI downturn
Three thoughtful listeners, each already doing a lot right and looking for the sharpest next move. A 49-year-old single police officer, no mortgage, $810k in…
InvestopolyEight Rules Revisited #6- The ETF boom broke my rule, do I tightened it
Pre-order Wealth by Design HereGolden Rule 6 was simple: invest in the share market using low-cost index funds. Eight years on, that argument has been…
InvestopolyEp 418: Why discipline was never going to fix your cash flow
Read Full Blog HerePre-order Wealth by Design HereYou can't build wealth unless you spend less than you earn and invest the difference, which makes cash flow…
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Q&A - Property crossroads, gearing decisions and modelling for inflation
Pre-order Wealth by Design HereFive listeners at very different life stages, each wrestling with where to direct capital next. Perth couple "Amelia and Ivan,"…
InvestopolyEight Rules Revisited #5: The rule i got half wrong
Pre-order Wealth by Design HereThis one is different. Of all the rules in the series, Rule 5 is the first where Stuart admits he has genuinely changed his…
InvestopolyEp 417: Upgrade your home or invest in shares? The numbers surprised me.
Read Full Blog HerePre-order Wealth by Design HereFor decades, negative gearing tipped the scales toward borrowing for an investment property over spending…
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Q&A- Can I afford to retire, renovating vs investing, and planning solo
Pre-order Wealth by Design HereThree richly detailed listener situations, three very different crossroads. First, Charles, 51, unemployed, four kids in private…
InvestopolyEight Rules Revisited #4: The perpetual portfolio- growing your wealth while you spend it
Pre-order Wealth by Design HereIn this episode, Stuart revisits Golden Rule 4 and admits that half of it has changed. In Investopoly, the advice was to build…
InvestopolyEp 416: Is established residential property still worth investing in?
Read Full Blog HerePre-order Wealth by Design HereWith the government's changes to established residential property now looking likely to become law, the…
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Q&A- Debt recycling, the six-year rule, and exiting your financial planner
Pre-order Wealth by Design HereIn this mailbag episode, we tackle five listener questions spanning some of the trickiest decisions in personal finance. A…
InvestopolyEight Rules Revisited #3: Build a savings engine that runs on autopilot
Pre-order Wealth By Design HereEpisode three of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Investopoly with the…
InvestopolyEp 415: Tax grabs dressed up as housing policy: what investors need to know
Read Full Blog HerePre-order Wealth By Design HereBoth Houses have passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. Royal Assent is pending but…
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Q&A: Inheritance, relationship uncertainty, and the property timing question
Pre-order Wealth By Design HereThis episode brings together six listener questions that each involve a meaningful financial decision and, in several cases…
InvestopolyEight Rules Revisited #2: Your freedom number has 3 levers
Pre-order Wealth by Design HereEpisode two of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Stuart's 2018 book…
InvestopolyEp 414: The 4 decisions that determine 95% of your financial outcome
Read Full Blog HerePre-order Wealth by Design HereMost people assume building wealth requires making hundreds of good financial decisions. In reality, a small…
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Q&A: Inheritance windfalls, home upgrades, and capital efficiency
Pre-order Wealth by Design HereThis episode brings together four listener scenarios united by a common theme: significant financial capacity, but genuine…
InvestopolyEight Rules Revisited #1 - The risk nobody warns you about
Pre-order Wealth by Design HereThis episode is the first in Eight Rules Revisited, a Thursday series running alongside the regular podcast. Each week, I take…
InvestopolyEp 413 : What financial advisers really do with their own money
Read Full Blog HerePre-order Wealth by Design HereFinancial advisers often manage their own money quite differently from the clients they advise. After more…
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Q&A - Housing wealth in retirement, super timing, and the 20-year plan
Pre-order Wealth by Design HereThis episode brings together four listener questions united by a common challenge: knowing which lever to pull next when the…
InvestopolyEp 412: Beware: Commercial property values look stretched
Read Full Blog HerePre- Order Wealth By Design HereCommercial property is being actively promoted as a compelling alternative to residential investment…
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Q&A - Listener scenarios unpacked: Perth timing, seven properties and no shares, and a retirement direction check
Pre-Order Wealth by Design HereThis episode brings together three listener scenarios that each involve genuinely complex financial positions, multiple moving…
InvestopolyEp 411: Should you invest all your super into an internally geared ETF
Pre-order Wealth by Design HereRead Full Blog HereSuperannuation's enforced long investment horizon is one of the most underused structural advantages…
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Q&A - Property vs Shares: retirement sequencing, and the cash-waiting strategy
Pre-Order Wealth by Design HereThis episode brings together four listener questions that each wrestle with a different dimension of long-term wealth building…
InvestopolyEp 410: What Charlie Munger's investing checklist means for Australian investors
Pre-Order Wealth by Design HereRead Full Blog HereCharlie Munger left investors with ten principles that are deceptively simple and take a lifetime to apply…
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Q&A - Starting out, scaling up, and knowing when to sell
Pre-Order Wealth by Design HereThis episode brings together five listener scenarios that span the full arc of wealth building, from a 24-year-old taking his…
InvestopolyEp 409: Super contribution strategies to consider before 30 June 2026
Read Full Blog HereWith 30 June approaching, now is the time to review your superannuation contribution options before the annual window closes. Most of the…
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Q&A - Income goals, property trade-offs, and the Division 296 unpacked
This episode brings together five listener scenarios united by a common thread: making sound financial decisions under competing pressures: income goals, asset…
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Special: From 11% to 8.4% - What the 2026 Budget does to property investment returns
This special episode is a replay of a YouTube presentation which is a calm, numbers-led walkthrough of the 2026 Federal Budget - recorded roughly 40 hours…
InvestopolyEp. 408: 2026 Federal Budget: Big tax changes, but do not panic yet
Register for Thursday's live event Read Full Blog HereThe 2026-27 Federal Budget included some of the most significant proposed tax changes we have seen in…
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Q&A - First homes, equity deployment, and SMSF unpacked
Register For Live HereThis episode brings together four listener questions that each wrestle with some of the most practical and consequential decisions in…
InvestopolyEp 407: The investors who obsess over tax often miss what matters more
Read Full Blog HereRegister For Live Event HereTax is psychologically painful, but for investors, over-fixating on it is a genuine risk. The drive to minimise…
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Q&A - Simplicity vs Optimisation: leverage, liquidity, and super strategy
This episode brings together three listener questions that each wrestle, in different ways, with the tension between financial optimisation and practical…
InvestopolyEp 406: The policy risk most property investors are ignoring
Read Full Blog HereAustralian property investment is facing a structural shift, and regulatory change is at the centre of it. This blog examines how rising…
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Q&A - The hidden cost of concentration: real scenarios, real trade-offs
Through a series of real investor scenarios, this blog examines the structural challenges that emerge when wealth is heavily concentrated in property…
InvestopolyEp 405: How to construct an ETF portfolio
Read Full Blog HereThere are two sensible ways to invest in ETFs: use a diversified, all-in-one fund, or build your own portfolio. Both can work. The…
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Q&A - Real investor dilemmas: what complex portfolios reveal about strategy and risk
Real investors rarely face clean, textbook decisions. Portfolios are messy, life changes, and the right move in one context can be the wrong move in another…
InvestopolyEp 404: How to deal with investment concentration risk
In this episode, Stuart breaks down what concentration risk really means and why it is not just about returns, but dependence. From large shareholdings to…
InvestopolyQ&A - Stock research, SMSF rebalancing & the debt recycling vs investment property
In this Q&A episode, Stuart tackles four listener questions spanning stock selection, portfolio restructuring, debt strategy, and retirement income…
InvestopolyEp 403: Lump sum share market investing: risky or rational
Read Full Blog HereInvesting a large lump sum into the share market can feel risky, but is spreading it out actually safer, or just more comfortable?In this…
InvestopolyQ&A - When good options compete: property, super & the art of the trade-off
In this week's Q&A episode, Stuart works through real-life scenarios where the challenge isn't finding a good option; it's choosing between several.A Canberra…
InvestopolyEp 402: The real risk in retirement: working too long and spending too little
Read Full Blog HereIn this episode, Stuart explores a lesser-discussed but increasingly important risk in financial planning: not running out of money, but…
InvestopolyQ&A - Can you retire early without taking big risks?
In this episode, Stuart explores a powerful theme across multiple listener scenarios: is it possible to achieve early retirement without aggressive…
InvestopolyEP 401: Beyond the median: What actually drives property outperformance in Melbourne
Read Full Blog HereIn this episode, Stuart challenges the idea that Melbourne property has been a poor performer by digging beneath the median data and…
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Q&A - When your dream home conflicts with your wealth plan
In this episode, Stuart unpacks a complex and relatable dilemma: what happens when your long-term wealth strategy collides with a major lifestyle goal.A…
InvestopolyEp 400: CGT discount changes: what property investors should do now
Read Full Blog HereRegister HereIn this episode, Stuart breaks down the growing political debate around capital gains tax (CGT) and what potential changes…
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Q&A - Preparing for retirement: prioritising debt reduction, super contributions, and liquidity
Register HereIn this Q&A episode, Stuart tackles three complex retirement planning scenarios involving superannuation strategy, debt reduction, and financial…
InvestopolyEp 399: The Forever Test: Probably the most important concept investors must understand
Read Full Blog HereRegister HereIn this episode, Stuart explores what he believes is the single most important principle in long-term investing: choosing…
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Q&A - Bitcoin, debt recycling & the 6-year rule: smart structuring for financial independence
Register HereIn this wide-ranging Q&A episode, Stuart tackles advanced strategy questions across crypto, capital gains tax, debt recycling, super structuring…
InvestopolyEp 398: Why non-bank lenders can significantly extend your investment capacity
Read Full Blog HereRegister HereThe lending landscape has changed dramatically over the past two decades, and the gap between traditional banks and non-bank…
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Q&A - Buy the dream home or optimise the structure? Leveraging smartly in your late 30s and 40s
In this strategic Q&A episode, Stuart explores two thoughtful listener scenarios centred on structure, leverage, and long-term optionality.First, a…
InvestopolyEp 397: Australian vs International Shares: Why the 45:55 split does not add up
Read Full Blog HereWhy do most diversified Australian portfolios still allocate nearly half of their equity exposure to Australian shares, when Australia…