Investopoly

• Ep 381: Warning- Property investors should ignore the last 5 years of data

  Read Full Blog HereIn this episode, Stuart explains why property investors need to be cautious when relying on the last five years of price data. He outlines how this period has been shaped by a series of unique, disruptive events: surging construction costs, extreme interest rate movements, volatile migration patterns, and the rise of working from home. While these factors have significantly impacted prices, they don’t reflect long-term fundamentals and may not be repeated.Stuart explores how elevated construction costs have distorted growth in certain markets, particularly where building value outweighs land value. He also explains how changing borrowing capacity and RBA interventions have shifted investor behaviour and redirected capital to more affordable regions, trends that may not be permanent. With overseas migration and remote work patterns still evolving, Stuart argues that recent market movements are not a reliable indicator of future performance.He also warns against the explosion of data-driven buyers’ agents who lean heavily on short-term trends, questioning the quality and applicability of much of the property data being used. For investors looking to make smart, evidence-based decisions, Stuart makes the case for focusing on 20+ years of data and understanding the fundamentals that truly drive long-term growth. A timely, clear-eyed episode.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

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• Q&A - Rethinking retirement, property opportunities, and financial structures

  In this episode, Campbell addresses a wide range of thoughtful listener questions covering retirement planning, property strategy, superannuation structuring, and the real cost of working with brokers. “Fred” runs through a detailed retirement plan with over $5M in super, trust, and cash assets and seeks a sanity check on his 3.25% spending rate and family gifting strategy. Campbell provides perspective on sequence risk, cash buffers, and longevity planning. Kayt asks whether using a financial advisor is worth the cost compared to a low-fee Vanguard income stream and raises concerns around fees and trust. Campbell explores the pros, cons, and value of advice.Dan challenges whether mortgage brokers truly offer better value than DIY research, especially for borrowers with simple needs. Campbell explains when brokers add value and the industry incentives shaping their recommendations. Lyn asks how to execute the recontribution strategy across pension accounts, while Paul raises a practical question about simple family trust arrangements. Finally, Brad, a developer, wonders whether investor resales currently priced below replacement cost offer an opportunity or are a value trap.Whether you're planning a long retirement, rethinking property strategy, or weighing adviser fees, this episode delivers clear, balanced answers to help you make more confident financial decisions.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

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• Ep 380: An evidence-based approach to constructing an investment portfolio

  Read Full Blog HereIn this episode, Stuart unpacks what it really means to construct an evidence-based investment portfolio and why portfolio construction is arguably the most important decision an investor can make. He explains how diversification across shares and property helps smooth returns, not because it eliminates volatility, but because it helps investors stay the course and adapt to life’s inevitable curveballs.Stuart takes a deep dive into factor-based investing, highlighting the importance of selecting investment strategies grounded in fundamentals like Value and Quality, while being wary of overhyped strategies such as Momentum, which often falter when trading costs and taxes are factored in. He discusses how to build an "all-weather" share portfolio, the importance of starting valuations, and the role listed property and infrastructure can play in balancing growth and defensiveness.He also explores the role of liquidity, why he remains cautious about unlisted investments, and how residential property, with its low correlation to shares, can enhance diversification. Finally, Stuart outlines his preferred approach to asset allocation, blending direct property and diversified shares using rules-based strategies, all while staying agnostic to asset class labels and focusing purely on what best serves long-term financial goals. A must-listen for serious investors looking to sharpen their portfolio strategy.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

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• Q&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of Wealth

  In this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique perspective on wealth management across different life stages. Jim and his wife are considering whether to upgrade their home now, invest in ETFs, or continue expanding their portfolio through a trust structure. Stuart weighs the options and long-term implications of each. Kayt asks whether a low-fee option like a Vanguard retirement product is a better choice than working with a financial adviser, prompting a discussion on the value (and cost) of advice in retirement.Andrew raises questions about potential changes to the CGT discount and negative gearing rules, asking whether indexation or rising yields could offset these changes. Stuart also reviews Andrew’s calculations around CGT savings when selling assets with no other income. Penny considers moving investment properties out of her SMSF to a family trust to manage exposure to the proposed $3 million super tax and unrealised gains regime. Stuart unpacks the trade-offs, including CGT and stamp duty.Whether you're starting to build wealth or managing a significant portfolio in retirement, this episode delivers clear, grounded insights to help you navigate policy changes and strategic decisions with confidence.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

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• Ep 379: Momentum investing- Useful when investing in property or shares

  Read Full Blog HereIn this episode, Stuart takes a deep dive into momentum investing, what it is, how it works in theory, and whether it holds up in practice when applied to shares and property. Momentum is a factor strategy that involves buying assets that have performed strongly over the past 6–12 months. While it sounds compelling, Stuart explains why real-world results often fall short due to high trading costs, tax drag, and dilution when trying to reduce turnover. He also shares why the most popular momentum ETFs have consistently underperformed broad market indexes over time, despite short-term outperformance.Shifting to property, Stuart questions whether momentum has any place in property investing, especially when social media is filled with spruikers showcasing booming suburbs and recent wins. He explains why transaction costs, timing risks, and the long lead times in property make momentum strategies largely ineffective, and why long-term capital growth, underpinned by strong fundamentals, remains the key to building wealth through real estate.Whether you're intrigued by share market factors or wondering when to jump into the property cycle, this episode unpacks the myths of momentum investing and reminds you that successful investing is about strategy, not chasing yesterday’s winners.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

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