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
InvestopolyShould you switch your investment loan to principal and interest?
Over the past two years lenders have been incrementally increasing interest rates on investment loans and loans with interest only repayments (as opposed to…
InvestopolyWhat's more important? Minimising tax or building wealth?
Tax is most people’s largest lifetime expense! Therefore, it is not difficult to understand how taking proactive steps to minimise your taxes can produce…
InvestopolyDo You Need To Worry About Money? Not If You Do Four Things...
Financial stress is a terrible thing. I’m sure everyone reading this blog has stressed out about money at some point in their life. But the thing is, stressing…
InvestopolyWill the banks stop you from building wealth?
Over the past couple of years there have been many changes that have dramatically reduced your borrowing capacity. The Financial Services Royal Commission…
InvestopolyEnd of financial year financial and tax planning (2018)
Over the last few weeks we have been working closely with our advisory clients assisting them with end of financial year tactics. I provide a list below of…
InvestopolyNot all super funds are created equal... so, here's what you should do
The Productivity Commission released its draft report this week into the efficiency of the Australian superannuation system. Its findings are concerning, and…
InvestopolyIf you invest in the wrong assets, you'll pay twice as much tax
The ultimate aim of investing is to build wealth. Current and future tax liabilities can have a significant impact on your ability to build wealth. Simply put…
Investopoly16 financial life hacks guaranteed to save your time and money
In this episode I discuss some of the financial life hacks that my blog subscribers have shared with me. A list of these life hacks and related links are…
InvestopolyThe Royal Commission and the financial landscape: Who to trust and when
I know. You have probably seen lots of news about the Royal Commission and the financial advice horror stories. I don’t plan to rehash anything that’s already…
InvestopolyDon't be fooled by average returns - it's compound returns that count!
A few clients this week have asked me if it’s a good idea to invest a large sum in the share market at the moment (for a variety of reasons e.g. as super…
InvestopolyUpdated: Ensuring your loans are structured correctly
You loan structure can have a big impact on your success as an investor. How you structure your loans can influence on your interest rates, borrowing capacity…
InvestopolyHoliday homes aren't as bad as you might think. Surprised?
I am a big believer in having balance when it comes to managing money. That is, it makes no sense saving ever dollar and always “going without”. After all…
InvestopolyHow do you get better value for money from your income protection insurance?
In this episode I discuss how do you get better value for money from your income protection insurance?I discuss:the importance of coverthe key features of a…
InvestopolyOne simple rule to avoid all financial advisor horror stories; go independent (here's 5 tests)
We have all read the horror stories in the newspapers or seen them on television: Mum and Dad put their trust in a financial advisor. The advisor ‘sells’ them…
InvestopolyEvidence-Based Investing reduces risk and maximises returns
Evinced-based investing (EBI) is an approach that you can use to invest in either property or shares (and other asset classes). This process makes investing…
InvestopolyWhy you don't need a financial plan
It stands to reason that not everyone needs a financial plan or relationship with a financial planner. There might be various reasons for this. However…
InvestopolyHow bad does an investment property need to be to warrant selling it?
If you sell a dud investment property, you may have to pay capital gain tax (CGT), selling costs and then stamp duty again when you reinvest… it can be a very…
InvestopolyShare investing: Four common mistakes that result in zero profits (or worse, losses)
Mistake # 1: The absence of a methodology – most investors make ad hoc investment decisions. How can you expect to win the game if you have no…
InvestopolyPart 2: Save tax through successful loan structuring
How you structure your loans can have a large impact on the tax you pay, your risk, your ability to build wealth, your cash flow and your general financial…
InvestopolyPart 1: Save tax through successful loan structuring
How you structure your loans can have a large impact on the tax you pay, your risk, your ability to build wealth, your cash flow and your general financial…
InvestopolyWhat is the difference between investing and speculation? Evidence-based investment stratgies reduce risk.
In my experience, novice investors can talk themselves into believing that an investment exhibits less risk than what it actually does. They think they are…
InvestopolyThe 'opportunity' cost of private school fees and an alternative to consider
Parents always want their children to have the best education. For some people, that means sending their kids to a private school. Of course, private schooling…
InvestopolyInvestment-grade apartments have under-performed. So, is now the time to buy?
In Melbourne, investment-grade apartments have not appreciated in value very much in the past three to five years when compared to houses – as illustrated in…
InvestopolyThe pursuit of 'quality' advice
When it comes to almost anything you buy, you have to weigh up three considerations: price, service and quality/features. Almost always, you can't have all…
InvestopolyWhat type of property is classified as "investment-grade"?
Investment-grade properties should double in value every 7 to 12 years on a perpetual basis. This equates to a 7% to 10% annual compounding growth rate –…
InvestopolyA typical investment strategy life cycle
What is more important to do first? Contribute into super or buy an investment property? How will investing in property help you fund retirement? What can you…
InvestopolyThe top 3 mistakes people make when investing
I believe that very few investing mistakes are the result of random bad luck. Most mistakes are predictable and preventable. And there are some mistakes that…
InvestopolyWhy you should avoid off-the-plan apartments like the plague
I’m sure you have seen the glossy ads espousing various benefits such as stamp duty savings, rental guarantees, discounts and incentives, state-of-the-art…
InvestopolyA simple solution for Australia's share market diversification problem
When you compare the Australian market to the US, the difference is frightening. The Australian market is very concentrated (a handful of companies dominate…