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
- Investopoly
Laying the Foundation for Wealth: A Guide to Successful Investing
Read the full blog here. Are you ready to uncover the secrets of successful investing? I promise, this episode will equip you with the essential knowledge and…
- Investopoly
Should you invest or repay your home loan? A long-term perspective...
Read the full blog here. Are you ready to challenge conventional wisdom about investing and home loan repayment strategies when interest rates are on the rise?…
- Investopoly
Decoding Homeownership: Financial Implications of Renting vs Owning, Tax Exemptions, and More
Read the full blog here. Ever thought about the financial impacts of owning a home versus renting? We'll be tackling this head-on today. I'm Stuart Wemyss…
- Investopoly
Surviving the high interest rates: tips to navigate the next few months
Read the full blog here. How long can we expect the current high interest rates to stick around, and what can we do to navigate this challenging financial…
- Investopoly
Borrowing capacity isn’t enough to invest in property? What to do…
Read the full blog here. What if your borrowing capacity isn't enough to allow you to invest in a high-quality property? Should you reduce your budget or…
- Investopoly
Navigating Stubborn Inflation: Risks, strategies, and portfolio construction for a possible decade of rising prices
Click here to read the blog online. What if inflation remains stubbornly high for over a decade? Today, I explore the potential risks of increased inflation…
- Investopoly
How much money should you give away now?
Some people plan to give money to beneficiaries (typically children and/or charities) before they pass away, especially if they consider they have more than…
- Investopoly
Does household income drive property prices?
Commentators often refer to the price of property relative to household incomes. For example, it is estimated that property in Melbourne and Sydney now costs…
- Investopoly
The news is mostly bad for commercial property investors
All investment asset classes move in cycles. Investment returns are almost never linear. As such, investors must expect good and bad periods, which is why…
- Investopoly
What is more tax-effective, investing in property or shares?
Many people are attracted to borrowing to invest in property because of negative gearing tax benefits. That is, the (income) loss that an investment property…
- Investopoly
Tips on how to maximise your borrowing capacity
Borrowing capacity has reduced by around 30% over the past year due to the impact of higher interest rates and the increased 3% interest rate buffer that banks…
- Investopoly
Will Melbourne’s median house price exceed $2m by 2033?
The unrefuted trend in all investment markets is mean reversion. It means that a period of below average returns is always followed by a period of above…
- Investopoly
My investment philosophy is based on 4 principals. What is your investment philosophy?
I was listening to Morgan Housel’s new podcast recently (which I highly recommend by the way), and he said something along the lines of; once you define your…
- Investopoly
The typical life cycle of an investor
Most people struggle with knowing how to invest their money. Do they upgrade their home, contribute more into super, buy an investment property, invest in the…
- Investopoly
Property investors need to be fussier! Here's why...
Every few months, there’s a story online about an investor in their 30’s that has amassed a property portfolio of 12 properties…and how you can do it too…
- Investopoly
Are index funds still outperforming?
Everything you must know before you refinance: https://www.prosolution.com.au/ebook/===================Share markets have been highly volatile over the past…
- Investopoly
How to buy the highest quality property within your budget
Typically, you need a budget of circa $1.5 million to purchase an investment grade house (investment property) in Melbourne, less in Brisbane, and a lot more…
- Investopoly
A recession in the US will crash stock markets! What to do before that happens
eBook Download: https://www.prosolution.com.au/ebook/We are all aware that central banks around the world have been hiking interest rates to reduce inflation…
- Investopoly
Why don't my accountant and financial advisor work together?
Ensuring your accountant collaborates with your financial advisor is important, as they will be able to discuss and workshop ideas to improve your financial…
- Investopoly
Private school fees: the true cost and alternatives
It is stating the obvious that private school education is expensive. If you are uncertain whether you would like to send your kids to a private school, I…
- Investopoly
Rent crisis, property prices, borrowing capacity and fundamentals – how will it affect you?
It has certainly been a wild ride for property investors over the past 6 years. In 2017 and 2018, the banking regulator demanded banks reduce the volume of…
- Investopoly
It’s all about gearing, not property. Without gearing, shares are better.
It is often debated which is a better investment, property or shares. It is my thesis that property is an okay investment, but not as good as shares. However…
- Investopoly
Why value investing will deliver higher returns with lower risk
I’m a big advocate of value investing. If you buy high a quality investment for fair price and hold it for the long run, you can’t help but make a lot of…
- Investopoly
What to do if your fixed rate or interest only term is due to expire in 2023
It has been very well reported that many mortgage holders will soon be paying much higher interest rates when their fixed rate terms expire. It is estimated…
- Investopoly
Getting into the property market is easier today than 30+ years ago
It is often suggested that it’s a lot more difficult for people to buy their first property compared to many decades ago. It is true that property is a lot…
- Investopoly
Your most important financial step for 2023
Good cash flow management is by far the most important practice that you must master to be successful at building wealth. I realise that it’s not a…
- Investopoly
Where you should have invested in 2022?
In 1905, George Santayana wrote; “Those who cannot remember the past are condemned to repeat it.” That’s why it is always worthwhile to reflect on the past…
- Investopoly
Best of 2022: Three steps to develop your own financial strategy
This was the third most popular podcast episode in 2022. My aim for this topic was to give investors an insight into the strategic process that I follow to…
- Investopoly
Best of 2022: Consistency is the key to building wealth
This was the second most popular podcast episode in 2022. My aim for this topic was to educate investors about the fact that investing a little bit each week…
- Investopoly
Best of 2022: 7 key economic principles you must know
This was the most popular podcast episode in 2022. The idea behind this topic was to share some basic economic principals to help people understand economic…
- Investopoly
Brace for a big drop in consumer spending in 2023
As you are aware, the RBA has aggressively hiked rates by 3% p.a. over the past 8 months, so variable home loan rates are now more than 5% p.a. (and investment…
- Investopoly
Should you invest in gold?
I was interested to watch this YouTube video produced by ETF manager, BetaShares which compared the differing views of Warren Buffett and billionaire fund…
- Investopoly
Are there major changes to super on the horizon?
The Albanese government’s first Federal Budget last month was a bit of a fizzer in that there wasn’t much in the way of changes that affected investors and…
- Investopoly
Why I think property prices have bottomed
CoreLogic data indicates that property prices in the 5 largest capital cities have fallen by 7.1% since May, when the RBA started hiking interest rates. Sydney…
- Investopoly
Governments vested interest in maintaining property price growth
There are many large and powerful institutions that have a vested interest in rising property prices. But all levels of government (i.e., federal, state and…
- Investopoly
Retirement might not be as enjoyable as you expect unless...
I recently appeared as a guest on The Australian newspaper’s Money Café podcast, where we discussed the FIRE moment. The acronym stands for Financially…
- Investopoly
How much should you invest in property, shares and super?
A common question I receive is how much should I invest in property? That is, how do you know when you have enough, and should you start investing in other…
- Investopoly
What’s going on with share markets!
Calendar year to date, the stock and bond markets have produced some of the worst returns on record, which is unusual because bonds and stocks are typically…
- Investopoly
To what extent does rental yield affect your borrowing capacity?
The very first article that I wrote for a magazine was published 19 years ago! No wonder I feel old. The article was called ‘Unlimited finance…’. My thesis was…
- Investopoly
Important changes to your borrowing capacity
Borrowing capacity has probably never been tighter in the 20 years since I started ProSolution! This is delaying investment plans for some clients. However, my…
- Investopoly
5 property investing mistakes I've seen over 20 years, and how to avoid them
One of the most interesting things I do is meet many investors every week (i.e., prospective clients). It is something that I have been doing regularly for…
- Investopoly
Focusing on rental income could cost you $1m in lost wealth
An investment property’s total investment return will consist of rental income plus capital growth. I have written about the importance of maximising capital…
- Investopoly
How should you invest your cash savings?
Often people wonder whether they should be doing more with their cash savings other than leaving them in a savings account. This blog discusses some options…
- Investopoly
Four rules you must follow to ensure you prosper 5 years from now
I wrote a blog in May warning investors to prepare for lots of bad news, uncertainty and market volatility. My thesis was that rising inflation, supply chain…
- Investopoly
Overinvesting puts retirement at risk
A Goldilocks investment strategy means that you are making the most of your financial opportunities without overdoing it and taking unnecessary risk. That is…
- Investopoly
Average incomes can’t drive property prices perpetually higher
Commentators often refer to the price of property in Australia relative to household incomes. They highlight that property prices have risen two to three times…
- Investopoly
There's no need to take a lot of investment risks
I believe that most people have a very similar tolerance for investment risk. Most people are comfortable achieving a long-term annual return of 7% to 10% if…
- Investopoly
Why obtaining quality financial advice will become even more difficult
Most people would say that finding a good financial advisor has always been a difficult task. Ten years ago, most financial planners received commissions for…
- Investopoly
The RBA made 3 BIG mistakes... to the detriment of borrowers and the economy
If Australia slips into a recession, it will mostly likely be the RBA’s fault. They have completely botched the management of interest rates to the detriment…
- Investopoly
Important changes to Queensland land tax
Queensland announced changes to land tax in its state budget in February 2022. On 12 July 2022, it released more detail regarding how these changes will be…
- Investopoly
Which industry super fund do I think is the best overall? (Inc. 2022 super returns)
Superannuation returns for the 2021/22 financial year were mostly negative. However, we shouldn’t forget that the previous 18-month period (i.e., mid-2020 to…
- Investopoly
Now’s a great time to buy property. Here’s why…
In mid-2021, I wrote this blog: “Don’t buy a property in this market…” because, at that time, many property buyers were over-paying for property just to get…
- Investopoly
How to maximise investment property tax deductions
You must invest in residential property primarily to benefit from the power of compounding capital growth. Any tax benefits (negative gearing) are merely a…
- Investopoly
Why did apartments miss out on the recent property boom?
It’s been well documented that property prices rose significantly over the course of 2020 and 2021. According to the Real Estate Institute of Australia, median…
- Investopoly
Beware: existing customers always pay higher interest rates
Banks will usually offer higher interest rate discounts to new customers to win their business. But, of course, the banks never offer these higher discounts to…
- Investopoly
Economics 101: 7 key principles you should know
An understanding of basic economic principles will set you in good stead to understand financial commentary, political rhetoric and make your own assessment of…
- Investopoly
Should future trends drive your investment decisions?
Many investors consider future trends when making investment decisions. Popular examples of investable trends include the growing demand for green energy…
InvestopolyShould you do anything about rising interest rates?
Some investors have been spooked by the RBA hiking interest rates by 0.75% over the past two months, particularly since it has spent the past two years telling…
Investopoly6 case studies: The importance of holistic advice
Our goal is to inspire our people to adopt a holistic approach when making financial decisions. That's because financial decisions often include several…
Investopoly"Timing" the market can be more important than "time in" the market
Most people are familiar with the saying that “time in the market is more important than timing the market”. It is very true that holding a quality investment…