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
InvestopolyWhat are your options if your interest only term is expiring?
Most investors and some homeowners have interest only loans. However, the option to repay interest only doesn’t last forever. Most mortgages have a term of 30…
InvestopolyGlobal recession. US/China trade war. Brexit. Low interest rates... What to do?
It feels like there is more global uncertainty at the moment. Things such as a global or domestic economic recession, US/China trade war tensions, Brexit…
InvestopolyThe best way to help kids get into the property market
According to the Australian Bureau of Statistics, first homeowner activity has increased by 51% since March 2016. First home buyers now account for just short…
InvestopolyDoes you partner understand your finances?
In my experience, it is common for one spouse to have a greater interest in the family’s finances. In fact, the spouse that is ‘most interested’ typically…
InvestopolyProperty Market Prediction: what will the market do from here?
The media loves to talk about the property market; will prices rise or fall over the next year? It’s really not that important. “Timing” the market is…
InvestopolyInvesting in shares 101: A beginner's guide
Many people feel investing in the share market is a complex and scary concept. This is often due to a lack of understanding.I have written a number of blogs…
InvestopolyHow should your split your wealth between shares and property?
Australian’s have a well-documented love affair with property. Many people pursue the “great Australian dream” of owning their own home and over 2.1 million…
InvestopolyHow will zero interest rates affect investors?
You would be excused for thinking that developed economies all over the world are gradually making their way to a zero interest rate environment.Long term…
InvestopolyThe ATO is on the warpath! Here's what it's up to...
We all want to stay on the ATO’s good side. No one wants to invite a tax audit. But, at the same time, it is prudent to investigate all opportunities to…
InvestopolyAre property buyers' agents worth the money?
A buyers’ agent is a real estate professional that will help you identify and negotiate the purchase of a property according to your specifications. They…
InvestopolyHow are you going to repay all your loans before you retire?
Borrowing to invest (in property or shares) is typically a good wealth accumulation strategy as long as you do it prudently and adopt a proven methodology to…
InvestopolyYou can't earn your way to financial freedom
I have written about cash flow management a couple of times previously (here and here) because it is the most important thing to master in order to build…
InvestopolyMaking the most of a recovering property market
To watch the full presentation, go to https://www.prosolution.com.au/recovering-property-market/Our most popular free guides:Over the years we've written…
InvestopolyBorrowing capacity has increased - but by how much?
Two weeks ago, APRA told the banks that it no longer expects them to use a benchmark interest rate of 7.25% when testing an applicant’s borrowing capacity…
InvestopolyWhat investment returns can we expect from share markets?
The Australian and US share markets reached all-time highs at the end of last week. This is great news for superannuation returns and existing share investors…
InvestopolyWhy I reject potential clients... and some important lessons
I say “no” more often than I say “yes”. That is, I decline or defer the opportunity to work with more people than I agree to work with because, ultimately, I…
InvestopolyAustralia's property challenge could be your investment opportunity
Every few years The Economist magazine writes a story about how property in Australia is overvalued compared to other countries – or something to that effect…
Investopoly11 important tactics to become 'loan ready' in this tight credit market
Over the past two years, I have highlighted how tight the credit (mortgage) market has become a couple of times. In the past, borrowing was simple. The bank…
InvestopolyWhat should you do about Labor's proposed tax policies?
Last week Jarrod McCabe and I recorded a presentation about the ALP's proposed changes to tax laws that impact investors. You can watch it here…
InvestopolyChanges to capital gains tax are 5 times more costly than negative gearing
The ALP’s proposed ban on negative gearing has been well publicised and debated. However, its proposed changes to Capital Gains Tax (CGT) have received far…
InvestopolyThe importance of receiving advice without boarders
Different professionals are able to give advice about a specific field – but who’s taking responsibility for looking at the big picture? How do you know if…
InvestopolyCommonly missed investment property tax deductions
An investment property should be selected based on the likelihood of it generating strong capital growth rather than secondary benefits such as rental yield or…
InvestopolyUnderstanding property growth, markets and being strategic
Understanding how property growth behaves is critical when making buy, hold or sell investment decisions. Unfortunately, I have seen lots of people make…
InvestopolyThis is your biggest Achilles heel... and two ways how to avoid it
“First rule of business is never get emotional about stock, clouds the judgment.” Gordon Gekko, from the movie Wall StreetThe quote above is from the fictional…
Investopoly5 things you can do to prepare for the negative gearing ban (and should you invest before 2020?)
The ALP announced on Friday (29/3/19) that it will ban negative gearing from 1 January 2020 if it wins the election next month. I wrote an article for The…
InvestopolyThe importance of becoming more professional with your approach to investing
I’m a huge fan of Seth Godin’s work. He’s a presenter, author and entrepreneur and if you have any interest in marketing or business, you must subscribe to his…
InvestopolyWhere are interest rates heading and what should you do?
For many Australian’s, their home loan is their largest expense. And property investors should seek to minimise their borrowing costs (interest) as it’s one of…
InvestopolyWho's going to manage your family's finances when you're gone?
A client was telling me a story about how the Chief Financial Officer (CFO) of a business he used to own passed away unexpectantly. Of course, it was a very…
InvestopolyHow to get more control over how your super is invested and the fees you pay (and lower fees)
How to get more control over how your super is invested and the fees you pay (and lower fees)Accountants often recommend establishing a Self Managed Super…
InvestopolyHow much is "reasonable" to spend on living expense?
What is the best way to manage cash flow? Do you need a monthly budget to track every single cent? Or is high-level budgeting ok? And, how much is too much to…
InvestopolyAdvantages of upsizing or downsizing your home in a softer property market
Perhaps a softer property market will allow you to buy a future home now for below intrinsic value – especially if you plan to upsize or downsize in the next…
InvestopolyHow important is it to buy a property at the bottom of the market?
If you are contemplating investing in property, should you buy now or wait? What if prices fall further this year? Maybe you would be better off waiting?As my…
InvestopolyThree strategies to fund children's education costs
It was reported over the weekend that private school fees have increased by 3.6% over the past year. However, the longer-term trend is closer to 5% p.a…
InvestopolyWarning: Don't make your strategy fit your investments (or let anyone else do it)
One of the biggest mistakes that people make is deciding to invest in a few assets/investments and then, after that, figure out what their strategy looks like…
InvestopolyBanning negative gearing will force you to become a better property investor
If the ALP wins the election in May and ban negative gearing on established property (as proposed), does that mean property is no longer a good asset class to…
InvestopolyCan you fund retirement from capital growth?
When working out a retirement strategy, often people try to work out the value of investments they will need by multiplying the amount of annual retirement…
InvestopolyThree questions you must ask yourself to kick start 2019
Question one: What didn’t work well in 2018?When planning, a good place to start is to ask yourself what were the one or two things that didn’t work well in…
InvestopolyThe psychology of investing: house prices and fear mongering
Last weekend, The Australian newspaper published the blog I sent you last week where I predicted that the property market is close to the bottom and that…
InvestopolyI'm calling the bottom of the property market
I think we are very close to the bottom of the property market – if not already there. In fact, I believe that price growth next year will be positive. I…
InvestopolyThree things Paul Nugent taught me about investing in property
Paul Nugent, the co-owner of Melbourne-based buyer’s agency, Wakelin Property Advisory, sadly passed away recently. I first met Paul back in 2004. Over the…
InvestopolyLivevesting: a strategy that might suit some higher income earners
Nice family homes in blue-chip suburbs are becoming increasingly difficult to acquire from an affordability perspective. This also puts pressure on one’s…
InvestopolyHow do you change your investment strategy to suit your borrowing capacity?
With the tightening in credit and the reduction in borrowing power, many investors capacity to invest has been adversely impacted. For example, an investor who…
InvestopolyWhat if the property prices drop further after I buy? I will feel like a fool!
No one wants to buy at the peak of the property market! Imagine if you buy a property and then a month later property values fall and it takes more than 2…
InvestopolyValue investing: what is it, why it works and how to do it
You must have a robust methodology for selecting the right share, property or bond to invest in. If you select the right asset, your investment returns are…
InvestopolyWe're in a credit crunch - here's 5 strategies to deal with it
There has been a lot of commentary in the media about the “credit crunch” that we are in at the moment. Why is the credit crunch going to impact you and your…
InvestopolyHow many investment properties do you need to fund retirement?
How many properties do you think you need to own to generate enough wealth to fund a comfortable retirement? Most people think they need more than 3 properties…
InvestopolyHow to structure your will, testamentary trusts, avoid fights and what else to do
The two certainties: death and taxesThere are two unfortunate certainties in life; death and taxes. And, unfortunately, tax cannot be avoided (legitimately)…
InvestopolyAsset protection: when to be concerned and what to do
The last thing you want to happen is that you work hard throughout your whole career, invest successfully and then lose a large amount of your wealth due to an…
InvestopolyDoes minimising your taxes impair your ability to borrow?
Paying minimal tax probably appeals to most people. And as tax is often our biggest lifetime cash outflow, it might seem logical that minimising it is a great…
InvestopolySpecific risks facing property investors at the moment and 4 tactics to mitigate them
Significantly tighter credit, the potential abolition of negative gearing and increase in the capital gains tax rate, falling property prices, new apartment…
InvestopolyStories about how tax and financial advice are so interrelated
According to the ATO, over 70% of people engage the services of a tax agent/accountant. However, according to Blackrock, only 15% of Australians have a…
InvestopolyHow to not get ripped off. Questions to ask before you pay for a financial plan
Over the past few weeks I have seen a couple of financial plans produced by firms that have experience in providing advice on investing in residential property…
InvestopolyDo Bill Shorten's policies spell the end for property investors?
All the clowning around in Canberra last week is likely to have increased Shorten’s chances of winning the next election. Given the ALP’s proposed changes to…
InvestopolyWhy you should never contribute your own cash into a property investment
I typically strongly recommend to property investors to never contribute any cash into an investment property acquisition. I’m not suggesting that you should…
InvestopolyATO crackdown on work related deductions and business expenditure
Whilst historically ATO audits were targeted at big business and the wealthy, this has changed. Now more than ever, individuals, business and self-managed…
InvestopolyWhat makes a better investment? A house or apartment?
Last week, I highlighted some evidence that indicates investment-grade apartments in Melbourne are perhaps intrinsically undervalued. The topic of this week’s…
InvestopolyEvidence is mounting that investment-grade apartments are positioned to appreciate
I wrote this blog in February suggesting that I thought investment-grade apartments were intrinsically under-valued. Well, according to Jarrod McCabe, director…
InvestopolyNew data: Interest rates, super returns and more
Some interesting information and data has been released this week which I would like to discuss with you.Variable mortgage rates will probably rise…
InvestopolyAre you a spender or saver?
Are you a spender or saver? Do you find it hard to stick to a budget? Do you find it difficult to save towards a goal? For some people, saving money comes easy…
InvestopolyShould you make additional super contributions?
Employers must contribute 9.5% of your salary (up to a maximum of $20,050 p.a.) into super. But should you make additional super contributions? This is a…