Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stua...
Ep 349: Investor risk premium: what is it and why it matters
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart breaks down the 'Investor Risk Premium', a key concept that helps you assess whether you’re being fairly rewarded for the risks you take with your investments. Traditionally used in share investing, Stuart explains why this idea should apply to all asset classes, from shares and property to speculative assets like crypto.Right now, U.S. equities appear overvalued, with future returns unlikely to match the past decade’s gains. In fact, forward-looking data suggests the expected equity risk premium in the U.S. is negative, meaning investors may not be adequately compensated for the risk.By contrast, Australian shares and property offer more attractive return prospects, especially when measured against the risk-free rate.The key takeaway? Don’t chase past performance—focus on future returns relative to risk. Whether you're investing in shares, property, or anything else, you need to ensure the expected return is worth the volatility, liquidity constraints, and uncertainty you're taking on.A sound, evidence-based strategy that prioritises risk-adjusted returns is the smartest way to build long-term wealth. Tune in to learn how to apply this thinking across your portfolio and avoid the common traps of emotional or trend-driven investing.Do you have a question? Email: questions@investopoly.com.au 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: Develop or sell with DA, rentinvesting considerations, does property add meaningful diversification in a portfolio and more...
In this Q&A episode, Stuart unpacks a wide range of listener questions, from navigating complex property strategies to exploring the role of diversification in a balanced investment portfolio. He shares tailored insights with AJ on managing a high-income household, including whether to sell, develop, or hold investment properties, how to structure super contributions and if moving into a completed knockdown-rebuild could offer tax advantages.Peter and Veronika weigh whether to sell their fully paid-off Rockdale unit or hold while rentvesting—and Stuart considers the timing and risks of Sydney’s apartment market. For Greg, the focus is on helping his sons grow their first home savings using more effective vehicles than a basic bank account.The episode also features an in-depth question from DIY David, who is deciding whether to sell two fully paid-off Perth investment properties in favour of ETFs, with a keen focus on diversification and CGT strategy. Lastly, Stuart offers practical, step-by-step investment guidance to Craig as he and his partner look to balance mortgage repayments, wealth building, and retirement goals.If you’re navigating property development, family wealth planning, or retirement strategy, this episode is packed with practical advice and long-term thinking. Tune in now for a strategy-focused Q&A that could reshape how you approach your next financial move.Do you have a question? Email: questions@investopoly.com.au 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 348: Hotspotting versus buy-and-hold: Which strategy is better?
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, we dive deep into the hotspotting vs. buy-and-hold debate to determine which strategy delivers better long-term wealth.🔹 What is hotspotting? Hotspotting involves identifying areas poised for short-term price growth, often in regional locations or outer suburbs. But has it really outperformed over decades, or is it just a risky bet on market cycles?🔹 Why buy-and-hold may be the better strategy Stuart compares the financial outcomes of both strategies, revealing that investment-grade properties with long-term capital growth outperform hotspotting in the long run. With real numbers, he tests best-case and semi-perfect scenarios, showing how missing just one market cycle could cost an investor hundreds of thousands in lost returns.If you’re thinking about investing in property, this episode is a must-listen! Stuart breaks down why a strong, buy-and-hold strategy is often the smarter play for wealth creation. Tune in now!Do you have a question? Email: questions@investopoly.com.au 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: Tax & super investment options, the “right” strategy, Melbourne property, company restructure and more...
In this Q&A episode, Stuart dives into diverse financial topics, from tax-efficient super strategies to Melbourne's property market trends and business exit planning. He answers listener questions on the best share broking platforms, breaking down fees, accessibility, and market options.For superannuation investors, Stuart explains the tax implications of switching super fund investment options and discusses strategies for managing the taxable component of an SMSF, including the re-contribution method. He also provides guidance on balancing mortgage repayments, property investment, and share market exposure as retirement nears.The episode also explores the dynamics of Melbourne’s property market, evaluating whether now is the right time to buy, and the impact of land tax policies on investors. Lastly, for business owners, Stuart outlines tax-effective exit strategies, focusing on minimising CGT when selling a startup.If you’re looking to optimise your wealth-building strategy, superannuation planning, or investment approach, this episode is packed with expert insights to help you make informed financial decisions. Tune in now for valuable takeaways!Do you have a question? Email: questions@investopoly.com.au 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 347: Is property development an effective way to build wealth?
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, we take a deep dive into property development as a wealth-building strategy. Using real-life case studies, we explore whether small-scale property development offers better returns than traditional buy-and-hold investing.🔹 Does developing property really pay off? Stuart analyzes a 20-year property development case study, showing how one investor turned $270,000 into $1.4 million—a 14.8% after-tax IRR. But does this kind of return hold up in today’s market? Rising land and construction costs have changed the game, making high-IRR developments harder to achieve.🔹 Key insights from the numbers: ✅ How land appreciation and construction costs impact development margins ✅ Why higher capital contributions may lead to greater wealth accumulation ✅ The realistic return expectations for developers in today’s market ✅ When buy-and-hold property investing could be a better long-term strategy💡 Should you invest in property development? Stuart breaks down whether small-scale development is worth the risk—or if your money is better off in a well-selected, investment-grade property with a simpler buy-and-hold strategy.If you're considering developing property, this episode is a must-listen! Tune in now for a data-driven breakdown of what works—and what doesn’t.Do you have a question? Email: questions@investopoly.com.au 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.
Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stuart Wemyss, a qualified financial advisor, accountant, tax agent, and licensed mortgage broker, delivers holistic advice. With four authored books, including "Investopoly" and "Rules of the Lending Game," Stuart shares his insights through a weekly blog, which is replicated on this podcast.
Australia