In this Q&A episode, Stuart answers a range of insightful listener questions on wealth-building strategies through property, ETFs, and superannuation. Burt asks if he’s on track to retire by age 60, despite limited borrowing capacity and tight cash flow. Stuart unpacks the numbers and suggests possible next steps to gain traction. Blair, seeking to build a well-structured ETF portfolio inside an SMSF, asks how to balance growth, value, and emerging market exposure, and whether holding 6 ETFs is too much. Stuart walks through how he would personally approach portfolio construction in that context.

Bryan writes in on behalf of his 18-year-old daughter, asking what Stuart would do differently if starting his investing journey again, from school leaver to retirement. Stuart offers timeless guidance, including tips on whether to pay off HECS early or focus on saving for a home. Lastly, Raj weighs up a $1.2M investment-grade property versus allocating the same monthly cash flow to a long-term ETF portfolio. Stuart breaks down the trade-offs, highlighting tax efficiency, flexibility, and psychological considerations that go beyond the spreadsheet. This episode is packed with practical, values-aligned advice for investors at every life stage looking to optimise their strategy.

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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.