Investopoly

In this Q&A episode, Stuart addresses a range of thought-provoking investment questions from listeners. He explores the simplicity and effectiveness of using a single diversified ETF, such as VDHG or DHHF, while highlighting the nuances and potential limitations of this strategy for larger portfolios. Stuart also offers tailored advice on whether to upgrade a primary residence or invest in Melbourne property, ultimately favouring the lifestyle and financial benefits of upgrading.Listeners gain insights into how property value growth is measured, including the impact of capital improvements and why median growth rates may be misleading. He provides valuable guidance on whether self-employed individuals should leverage an SMSF to buy commercial property, advising caution around liquidity risks.Stuart also tackles timely questions about possible changes to property investment tax laws, including potential adjustments to capital gains tax (CGT) and negative gearing. He explains how these changes could affect property yields and investor decisions.Packed with actionable insights, this episode empowers listeners to make smarter financial choices. Whether you’re considering ETF investments, planning a property purchase, or contemplating SMSF options, Stuart’s well-rounded advice is sure to provide clarity and direction.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 Wemyss delves into the essential considerations for those planning to retire within the next five years. Drawing on his extensive expertise, Stuart outlines practical strategies to ensure a smooth transition into retirement, focusing on self-funded retirees.Key topics include resetting loan terms to maximise flexibility, adjusting or cancelling insurance as financial independence grows, and optimising your banking arrangements while still employed. Stuart also explains the tax-saving benefits of timing capital gains events post-retirement and how superannuation strategies, such as recontributions and conservative asset allocations, can safeguard your wealth against market volatility.For those considering a phased retirement, Stuart highlights the financial and emotional benefits of continuing part-time work, allowing investments to grow while maintaining a sense of purpose.With actionable insights into cash flow management, superannuation liquidity, and the importance of personalising your approach, this episode is packed with valuable advice for anyone nearing retirement. Whether you’re looking to fine-tune your financial plan or explore new strategies, Stuart’s guidance ensures you’re equipped to make informed decisions for a secure and fulfilling retirement.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.In this case study episode, Stuart Wemyss shares the 15-year wealth-building journey of long-term clients who successfully grew their investment assets from $479k to $3.9 million. Stuart details how this couple, now in their late 50s, strategically upgraded their family home, built a diversified property portfolio, and significantly enhanced their superannuation.Starting in 2009 with a net worth of under $500k, their disciplined approach to asset selection and cash flow management has yielded impressive results, including outperforming median property price growth by 1–1.2% annually. Key milestones include purchasing five properties across various structures, investing in a low-cost superannuation strategy, and managing high living expenses with a combined family income of $500k.Stuart highlights the importance of diversification, pointing out the contrasting performance of houses versus apartments in their portfolio, and how deliberate decisions, such as purchasing a property in super, ensured long-term financial security.This episode provides valuable insights into building wealth with strategic planning and long-term focus, showcasing how Stuart’s evidence-based advice has helped clients navigate challenges while achieving remarkable financial growth. Whether you’re starting your investment journey or refining your strategy, this story is full of actionable lessons to help you succeed.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.Stuart highlights the growing concerns parents face about their children’s ability to enter the property market, offering a balanced strategy that prioritises parental financial security. The foundation of his advice is ensuring your own retirement is fully funded before considering financial support for your children. This prevents potential future dependency on them.He explains that while parents may wish to help, their support should align with the child’s interest and motivation to buy property. Forcing the decision rarely works, as building wealth requires intrinsic motivation.Stuart proposes a proactive strategy: parents purchasing an undervalued investment-grade apartment now, which can be sold to their children at a later date, potentially at a discounted rate. Melbourne’s stagnant apartment prices, combined with rising construction costs and low supply, make these properties an attractive investment likely to appreciate significantly over the next decade.This approach ensures parents have control over their financial commitment while also providing a safety net for their children. If the child decides not to buy, parents can retain the property as an investment. Stuart advises professional guidance to navigate complexities like borrowing and inheritance planning, ensuring fairness if multiple children are involved.Ultimately, he stresses putting your financial security first.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....