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
InvestopolyBe prepared for a few years of turbulence... and opportunity
I think we need to be prepared for the possibility that the next couple of years might be a bumpy ride in terms of the economy, financial markets, interest…
InvestopolyShould you plan to give or receive an inheritance?
A lot has been written about the good fortune of baby-boomers in that, overall, they have enjoyed a long period of economic, share market and property market…
InvestopolyPatience & discipline: Two vital traits of every successful investor
I find it ironic that the two common financial mistakes that people make are (1) not investing i.e., procrastination or (2) doing too much i.e., turning over…
Investopoly"Consistency" (not intensity) is the key to building wealth
When it comes to building wealth, the truth is that unremarkable actions completed consistently for many years (decades) produce remarkable results. But…
InvestopolyShould you ever sell property?
A common property investing rule-of-thumb is that you should “buy property and never sell”. That’s because prices always trend higher over time which means you…
InvestopolyThree steps to develop your own financial plan
A few weeks ago I wrote a blog about the one thing that stops most people from making the most of their financial opportunities including making regular…
Investopoly2022 Federal Budget Summary: What's in it for you?
This blog summarises the initiative contained in the 2022 Federal Budget announced on 29 March 2022.Budget initiatives that might affect youExtended the home…
InvestopolyWhy haven't you invested as much as you could and should have?
It is very common for people to make an initial investment e.g., buy a parcel of shares or an investment property, but fail to make any further investments for…
InvestopolySuper: What are your options when you retire?
Even though its compulsory to invest money in superannuation, many people do not understand their options once they retire.This blog provides a summary…
InvestopolyWill higher interest rates cause property prices to fall?
Vocal market commentor and fund manager, Chris Joye wrote in the AFR in November last year that Australian house prices could fall by 15% to 25% after the RBA…
InvestopolyIs it a good strategy to renovate or develop an investment property?
The value of a property consists of two components being the land plus any improvements i.e., the dwelling. Generally, land appreciates in value whereas…
InvestopolyPlaying the long game is not always easy but it is the most powerful approach
In my book, Investopoly, I outlined 8 investing rules that if followed, will help you build wealth and avoid making costly mistakes. These 8 rules are…
InvestopolyQuality is King: Most important property investing golden rule
There is one property investing golden rule that is more important than everything else. And if you nail this ‘one thing’, you are guaranteed to build wealth…
InvestopolyHow to invest in Commercial Property: Part 2
This is the second part of a two-part blog about investing in commercial property (you can read part one here). Now that you have a broad understanding of…
InvestopolyInvesting in Commercial Property: Part 1
I believe that most people would be well-served by investing in various asset classes, including shares and property. I do not believe that any one asset class…
Investopoly2022 Market predictions and Planning: Part 2
Last week, I shared what risks and opportunities investment markets could offer us during 2022. These market expectations helped my wife and I set our…
Investopoly2022 Predictions and Planning: Part 1
It is stating the obvious to say that goal setting is important. The fact is, if you aim at nothing, often that is exactly what you will achieve; nothing!Each…
Investopoly2021 in review - where should you have invested?
For my final podcast for 2021, I thought it would be interesting to look back to see how various investment asset-classes performed. This is important for two…
InvestopolyEverything you must know about Capital Gain Tax (CGT)
Paying Capital Gains Tax (CGT) isn’t necessarily a bad thing because it means that you have sold an asset and made a profit, which is better than a loss, of…
InvestopolyThe three most common mistakes made by investors
After almost 20 years of interacting with investors (and potential investors) on a daily basis, I’ve noticed some common themes that prevent investors from…
InvestopolyAre we in a bubble or micro-bubble?
With property and share markets trading at all-time highs, it’s reasonable and perhaps prudent to consider whether we are in a (asset price) bubble. Bubbles…
InvestopolyHow to attract a great advisor
A financial advisor’s job is to develop a plan and help you implement that plan over many years, so that you achieve your financial and lifestyle goals. This…
InvestopolyHow to invest in property for less than $1 million
It is becoming increasingly difficult to buy an investment-grade house for under $1 million in Brisbane, Melbourne and Sydney. This begs the question; if your…
InvestopolyInflation and interest rates: where are they heading?
The topic of rising inflation and its potential impact on interest rates has been dominating the financial press over the past few weeks. The bond markets…
InvestopolyWill the property market ever crash?
Will the property market ever crash?I started ProSolution almost 20 years ago and if there’s been one common theme over that time, it is how “expensive”…
InvestopolyHow do the big changes to income protection insurances affect you?
I wrote a blog in February 2020 highlighting the first phase of government mandated changes to income protection insurance products. The second phase of…
InvestopolyFreedom to choose the work you do for love, not money (how to plan)
I have noticed that more people are attracted to seeking out work that they have a personal connection with, particularly since the beginning of Covid. That…
InvestopolyLikely tightening in lending rules is unlikely to impact investment-grade property
Federal Treasurer, Josh Frydenberg has asked the Council of Financial Regulators to investigate the fact that credit growth is materially outpacing growth in…
InvestopolyHow much insurance is do you need? And how do you minimise its cost?
Personal insurance is becoming more difficult to obtain and increasingly costly to maintain. This blog outlines the approach we take when formulating how much…
InvestopolyHow to value stocks - an introduction to valuation concepts
How to value stocks – an introduction to valuation conceptsTwo years ago I wrote a popular blog that explained some simple share market concepts and jargon…
InvestopolyMastering a successful mindset... 5 fears about money
Over the past 20 years, the US share market has risen 5-fold, the Australian share market 5.4-fold and Australian property 4.2-fold. That means if you invested…
InvestopolyLoan structuring 101: How to finance a property portfolio
Borrowing to invest in property is a popular and highly effective wealth accumulation strategy if it’s implemented correctly. However, loan structuring can…
InvestopolyA powerful share market investment strategy you can implement yourself
Investing in the share market is a relatively easy, simple and a low-cost investment strategy to implement, if you know the right way to do it, of course…
InvestopolyWhat impact will the prolonged lockdowns have on the property market and economy?
Approximately half of Australia’s population is currently in a lockdown, and this may continue for another few months until vaccine target levels are reached…
InvestopolyLand tax minimisation (or elimination) strategies
Land tax is levied on the value of an investor’s landholdings on 31 December each year. It is an insidious tax as any land tax is relatively small when you…
InvestopolyProperty versus shares; a practical comparison
As a completely independent advisor, I have no vested interest in how my clients invest. Whether they invest in property, shares or any other asset class makes…
InvestopolyInvestment case for Brisbane property: Pros and cons
I hosted a seminar in August 2018 where I presented an investment case for (investment-grade) houses in Brisbane in the $800,000 to $1m price range. It was my…
Investopoly2021 super returns: The best industry funds & important considerations
It is not unrealistic to expect your super returns to be over 20% for the financial year ended June 2021. Of course, this is a great outcome in what has been a…
InvestopolyHow you can use mean reversion to drive investment returns
One of the challenges that many investors face is deciding what to invest in, how much and when. There are three methodologies that you can employ to help make…
InvestopolyWhen to not invest: 5 questions to ask
There are a number of factors that I consider when contemplating an investment on behalf of my clients or for me, personally.I think it’s very important to…
InvestopolyAre investment returns that important?
Last week a prospective client asked me a very good question. They asked whether I have data that shows what investment returns my clients have generated…
InvestopolyInvesting in property in the outer suburbs - should you do it?
Some buyers’ agents promote investing in more affordable locations. I can understand why some investors might be attracted to follow their advice. But it’s not…
InvestopolyHow to ensure your superannuation will be paid to your intended beneficiary
Twenty-three-year-old, Ashleigh Petrie nominated her mother as the sole beneficiary of her super. However, Ashleigh’s 63-year-old fiancé was successful in…
InvestopolyDon't buy property in this market...
It is true that buying a property in any market will generate a lot of wealth as long as you (1) buy the right property and (2) hold it for a few decades. But…
InvestopolySophisticated borrowers to jump through fewer hoops to get a new loan
The Corporations Act makes a distinction between wholesale and retail clients. It is assumed that wholesale clients have a sufficient level of financial…
InvestopolyWarning: 3 reasons why negative gearing is in jeopardy
One of the Australian Labor Party’s (ALP) big election promises in the 2019 federal election was to abolish negative gearing. It would be logical to think that…
InvestopolyActive share investors failed to take advantage of last year's volatility
Active fund managers use their skill and experience to pick which stocks to invest in. An alternative to active investing is to invest in low-cost index funds…
InvestopolyPros and cons of buying property without a pre-approval
Many lenders are taking a number of weeks (sometimes months) to approve loans at the moment. These delays have been caused mainly by significantly higher…
Investopoly2021 Federal Budget - Financial planning opportunities
Treasurer Frydenberg handed down the federal budget last night and to be honest, there’s not a lot in it for individuals and investors. However, there are some…
InvestopolyHow to make the most of your super increase (after 1 July 2021)
After 1 July this year, your employer must increase your super contributions from 9.5% to 10% of your salary. This contribution rate will then increase by 0.5%…
InvestopolyTax: How to minimise your largest lifetime expense
Tax isn’t necessarily a bad thing. If you’re paying tax, it means that you are making money (income or capital gains). But of course, there’s no need to pay…
InvestopolyDon't underestimate the mathematical power of gearing
It’s stating the obvious to say interest rates are very low at the moment. But what can be easily missed is how powerful low rates can be for investors. And…
InvestopolyInvestment opportunity: Is the share market switching to value?
Growth investors have been well-rewarded over the past decade. For example, the S&P500 index (US market) has delivered an average return of 14.5% p.a. over the…
InvestopolyWhy property price growth will level out over the rest of this year
The internet and newspapers are awash with stories of properties selling for amounts wildly above reserve. Such news can create FOMO and fuel buyer demand. But…
InvestopolyWhat is a holistic accountant? What value do they provide? When to use one.
The word ‘holistic’ is defined by Oxford Languages as “characterised by the belief that the parts of something are intimately interconnected and explicable…
InvestopolyInvestment lending rules to be tightened this year
Almost everyone is predicting that property prices will surge higher this year. In fact, the newspapers are already full of stories about properties selling…
InvestopolyHow to avoid being ripped off by a financial advisor: 3 simple checks
It is alleged that Sydney-based financial advisor, Melissa Caddick stole $25 million from her clients. She has recently gone “missing”, leaving a trail of…
InvestopolyBitcoin, (unprofitable) billion dollar stocks and other madness
Do you realise that $10,000 invested in Bitcoin 5 years ago would be worth over $1.1 million today? Makes you think, right?With lockdowns occurring almost…
InvestopolyWhat's involved in changing accountants (and how to find a good one)?
Choosing the right accountant can make a world of difference. A proactive accountant will share tax-saving and wealth-building ideas, be available to answer…
InvestopolySteppingstone strategy: how to buy your dream home
If the recent property price growth predictions become reality over the next couple of years, more homeowners may become ‘priced out’ of their desired…