Investopoly

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart Wemyss dives into the key strategies for maximising property investment returns by striking the right balance between holding costs and capital growth. Discover why compounding capital growth is the real driver of wealth accumulation and how to avoid common pitfalls of focusing too much on rental income.

Stuart explains the concept of the internal rate of return (IRR) and how it measures the relationship between your investment and return. Using real-world examples, he compares the outcomes of different property types, highlighting why high-growth, low-yield properties often outperform others in long-term wealth creation.

You’ll learn a practical two-step approach to maximise your IRR: first, by selecting a property with strong capital growth potential, and second, by taking steps to reduce holding costs. Stuart also shares a personal case study where simple cosmetic upgrades significantly boosted a property’s value, rental income, and IRR.

If you’re serious about building wealth through property, this episode is packed with actionable insights to help you choose the right asset, optimise returns, and accelerate your financial independence. Tune in to learn how to make smarter property investment decisions!

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

In this week’s Q&A episode, Stuart dives into a range of compelling questions that challenge conventional wisdom on property investment, superannuation strategies, and emerging investment opportunities. Whether you’re curious about optimising your borrowing capacity, choosing the right ownership structure for property investments, or understanding the nuances of splitting super contributions, this episode delivers actionable insights tailored to today’s financial landscape.

Stuart also addresses thought-provoking topics like the relationship between property values and rental growth, the pros and cons of trust structures, and the implications of new access rules for Dimensional Funds. Plus, he shares his perspective on cryptocurrency as an asset class, offering a framework for evaluating new investment opportunities in an evolving market.

With real-world examples, detailed explanations, and Stuart’s trademark clarity, this episode is packed with practical advice for anyone looking to grow their wealth, minimise tax, and make informed financial decisions. Whether you’re an experienced investor or just starting to build your financial knowledge, there’s something here for everyone. Tune in to gain insights that could shape your financial future!

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DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart explores the concept of jumbo property investing: should you go all-in on a single high-value property or spread your investment across multiple, smaller properties? With average investment loans climbing past $600,000, many Australians face the question of whether to concentrate their budget or diversify. Stuart breaks down why a “jumbo” investment – such as buying a $3 million home in a high-demand area – might yield higher returns due to scarcity and alternative uses, like potential redevelopment. However, jumbo investing isn’t without risks, from fluctuating holding costs to limited flexibility if financial situations change.

Stuart also shares a real-world example of a client who purchased a unique property in Melbourne’s Prahran neighbourhood, turning it into a highly profitable investment. And while this approach may not be for everyone, Stuart’s insights on quality over quantity, understanding market demand, and avoiding limiting beliefs apply to all investors. Whether you’re a seasoned property investor or just beginning, this episode unpacks the risks, rewards, and essential strategies behind high-value property investing. Tune in to discover if jumbo property investing could be your path to greater returns and a robust property portfolio.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

In this week’s Q&A episode, Stuart dives into diverse and practical strategies to help listeners navigate complex financial and investment decisions.

From a single-income family exploring the best ways to invest despite low borrowing capacity to advice for Australians living abroad, Stuart addresses the financial nuances that impact people at all stages of life. He shares tips on how a father can help his adult daughter purchase a home without jeopardising his own retirement plans, plus insights on consolidating super and investments to achieve steady cash flow in retirement.

Listeners also sought guidance on tax-efficient share investing strategies, balancing superannuation with share portfolios, and preparing for retirement abroad. For those facing similar financial dilemmas, this episode is a valuable resource filled with actionable advice and tailored financial insights.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart dives into one of property investing's most critical decisions: choosing the right ownership structure. Since changing property ownership can trigger significant costs like stamp duty and capital gains tax, it’s essential to start with a structure that aligns with your long-term investment goals.

Stuart explains key considerations, including how tax implications, borrowing capacity, estate planning, exit strategy, and asset protection all play a role in finding the right fit. He also breaks down popular ownership options—like holding property in personal names, family trusts, companies, or self-managed super funds (SMSFs)—outlining the pros, cons, and tax implications for each.

Whether you’re looking for tax efficiency, greater flexibility, or asset protection, Stuart’s insights will help you navigate these options and avoid costly mistakes. Tune in to learn how a strategic ownership choice can maximise your returns and align with your overall financial goals.

Disclaimer: Tax and property regulations can change; consult a professional for up-to-date advice.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

In this Q&A episode, Stuart covers several insightful financial scenarios, delving into when it makes sense to wind up a self-managed super fund (SMSF), strategies to manage capital gains tax (CGT), and guidance on property purchases to assist children in building wealth. Stuart examines how an SMSF with a lower balance can sometimes lead to higher costs, suggesting alternatives that may offer reduced fees and potentially better returns. Additionally, he addresses CGT concerns, highlighting tactics that can mitigate tax impacts for those facing a large one-time gain. 

A key takeaway is Stuart’s advice on supporting children’s property ownership; he explains the importance of timing, tax implications, and encouraging financial independence. His pragmatic approach underscores the need to weigh both the emotional and financial costs of early assistance, as well as the importance of financial education and empowerment. Stuart’s insights provide actionable steps for listeners at various stages of their financial journeys. Whether you’re looking to optimise your SMSF, reduce CGT, or invest for future family needs, this episode offers valuable guidance.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this podcast, Stuart shares smart strategies for managing the rising costs of personal insurance, covering income protection, life insurance, TPD, and trauma insurance. Recognising that insurance is often essential to avoid financial disaster, he explains that premiums for these products have significantly increased over the last decade. While many people see insurance as an all-or-nothing decision, Stuart suggests a more flexible approach: gradually reducing coverage as your financial position strengthens and your responsibilities shift, like when children reach independence.

Key points include prioritising income protection insurance, which Stuart ranks as the most crucial since it safeguards your ability to earn an income. Life insurance comes next, with TPD and trauma insurance following. Stuart also offers practical ways to manage costs, such as increasing your policy’s wait period or switching to indemnity value coverage, which can be more affordable if your income is stable. He emphasises maximising tax deductions on premiums where possible to reduce after-tax costs.

Ultimately, Stuart advocates for a long-term, adaptable strategy, reminding listeners to keep insurance in line with their evolving financial goals. This measured approach ensures essential coverage without overcommitting financially.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

In this episode, Stuart delves into a real-life case study showcasing the journey of a couple who began working with him in 2016 with an extensive asset portfolio, substantial debt, and high income—but faced critical decisions in managing their investments effectively. Starting with their principal home valued at $1.85 million, two investment properties with marginal equity, and $900,000 in investment assets, Stuart walks through their progression to today’s robust financial position, including a debt-free home now worth $2.5 million, a holiday property, increased super, and investment assets that have nearly tripled.

Stuart emphasises that timing is key in investment success, showing how the couple’s decision to hold onto high-performing shares instead of selling them paid off. He also underlines the importance of strategy over impulsive action, with well-timed commercial property investments proving to be a lesson in patience and risk management. Key takeaways include the power of patience, quality over timing, and having a clear strategy for assets like SMSF. This episode is packed with insights into the delicate balance of knowing when to stay invested and when to make changes.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

Read full blog here.

DOWNLOAD our 97-point financial health checklist here

In this episode, Stuart discusses the significant impact property decisions have on your financial plan, which is often overlooked by financial planners. He explains that property decisions are typically life-long, whether it's purchasing a home or investment property. Many financial planners traditionally focus on shares, bonds, and superannuation, while ignoring property as part of a comprehensive financial strategy.

Stuart shares real-life client examples to highlight how property decisions intertwine with other financial choices, such as when to sell underperforming assets, managing debt during retirement, or deciding between renovating versus upgrading. He also explores strategies for buying investment properties or future homes, particularly for clients who plan to live overseas temporarily.

Stuart emphasizes that financial planners need to expand their knowledge in property to provide holistic financial advice. By integrating property into a comprehensive financial plan, planners can help clients make smarter, long-term decisions, maximising wealth potential and ensuring financial stability.

He concludes by addressing the division between financial planners and property advisors, noting that both fields must work together for optimal client outcomes, urging for more professionals to understand both asset classes.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

In this episode, Stuart Wemyss dives into some great listener questions covering a mix of financial strategies. He kicks off with advice on debt recycling, sharing practical tips on how to construct a solid share portfolio for long-term growth. Stuart also unpacks strategies for boosting super balances, especially for those with unique super funds, offering ideas on how to make the most of salary sacrifice and contribution rules.

He then tackles a popular debate: residential versus commercial property as an investment. While commercial property might offer better returns, Stuart points out the risks and costs involved. For couples buying property together, he gives helpful tips on choosing the right ownership structure based on income differences.

There’s also a discussion about smart ways to invest for kids, with Stuart sharing thoughts on long-term strategies that keep taxes in check. Lastly, he touches on how high-income earners can deal with Division 293 tax, offering some smart planning strategies. Overall, it's packed with useful tips for managing wealth and growing investments.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.