Investopoly

Stuart Wemyss & Campbell Wallace
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Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.auWe also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.

  1. Eight Rules Revisited #3: Build a savings engine that runs on autopilot

    2 ngày trước

    Eight Rules Revisited #3: Build a savings engine that runs on autopilot

    Pre-order Wealth By Design Here Episode three of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Investopoly with the updated versions in Wealth by Design, released 28 July. Rule 3 — spend less than you earn and invest the difference- is one of the most straightforward principles in personal finance. It is also one of the most reliably ignored. The rule itself hasn't changed since Investopoly. What has changed is how Stuart frames the implementation, moving decisively away from tracking, measurement, and willpower toward an automated banking system that removes the need for daily discipline by making saving the structural default. The episode examines the behavioural forces that work against consistent saving, the immediate pull of spending versus the distant reward of investing, the social normalisation of lifestyle upgrades, and the way income growth tends to fund consumption rather than wealth accumulation when there is no system in place to redirect it first. Lifestyle creep receives particular attention. It is not a dramatic failure but a gradual one, the slow expansion of spending that keeps pace with rising income and quietly prevents wealth from compounding the way it should. Stuart closes with a single practical action: one automatic transfer worth setting up this week that begins shifting savings from intention to habit. The full system and worked examples appear in chapter three of Wealth by Design. My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    18 phút
  2. Ep 415: Tax grabs dressed up as housing policy: what investors need to know

    3 ngày trước

    Ep 415: Tax grabs dressed up as housing policy: what investors need to know

    Read Full Blog Here Pre-order Wealth By Design Here Both Houses have passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. Royal Assent is pending but considered a formality. For investors, property owners, business owners, and superannuation members, the changes are substantial, and the details matter enormously. This blog provides a clear, technical breakdown of what the legislation actually does. Negative gearing losses on established residential property purchased after Budget night will be quarantined from 1 July 2027, with existing properties grandfathered under previous rules. The 50% CGT discount is replaced by cost base indexation and a new minimum 30% tax on capital gains, a change that, for long-term investors in assets growing at 7% per annum, lifts the effective tax rate from roughly 20–23% to around 30–35%. SMSFs lose the ability to borrow for residential property, with a commencement date of approximately mid-August 2026. Trust capital gains rules are also changing, though the legislation has not yet been released. Stuart addresses the government's framing directly: the claim that these changes improve housing affordability is not supported by the Treasury's own modelling, nor by the historical record in Australia, New Zealand, or the United Kingdom. These are tax revenue measures. The blog also covers the new $250 worker tax offset, the $1,000 instant work-related deduction, important transition rules for existing assets, and why low-income taxpayers with unrealised gains should consider crystallising them before 1 July 2027. My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    36 phút

  3. 4 ngày trước

    Q&A: Inheritance, relationship uncertainty, and the property timing question

    Pre-order Wealth By Design Here This episode brings together six listener questions that each involve a meaningful financial decision and, in several cases, significant personal uncertainty alongside significant financial capacity. The first comes from a couple in their late thirties who received a substantial inheritance, now holding $3.6m in cash alongside a share portfolio and three properties. They have developed a dual-trust structure with a corporate beneficiary and are seeking a sense-check on whether the approach is sound and whether property still deserves a place in the plan. The second involves a newly migrated retiree with no Australian income, substantial overseas cash, and five possible approaches to buying property, each with different stamp duty, CGT, and inheritance implications for her two adult daughters. The third is a series of practical questions about transition to retirement arrangements, when they make sense, what super balance is needed for a modest 25-year retirement, and the tax implications of transferring an investment property to children. The fourth comes from a 37-year-old in WA with a fully paid-off home, a first child arriving, and a strong savings rate, asking how to prioritise between investment property, shares, and super contributions from here. The fifth involves a 35-year-old FIFO worker with $536k in savings and investments, strong borrowing capacity, and genuine uncertainty about whether to buy a Perth home alone, jointly with a partner, or through a leapfrog strategy given where the relationship currently sits. The sixth is a 45-year-old couple with a $300k inheritance, a nearly paid-off Sydney home, three recently purchased investment properties, and a simple question: is paying off the home loan and topping up super really the best use of the windfall? My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    31 phút
  4. Eight Rules Revisited #2: Your freedom number has 3 levers

    24 thg 6

    Eight Rules Revisited #2: Your freedom number has 3 levers

    Pre-order Wealth by Design Here Episode two of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Stuart's 2018 book Investopoly with the updated versions in his new book, Wealth by Design, released on 28 July. Rule 2 states that you must know how much income you need and by when. That principle hasn't moved. What has tightened considerably is everything surrounding it. The two goals now have proper names, the freedom number and the freedom date, and the underlying framework has shifted from a single retirement cliff to three distinct phases of working life, reflecting that most people today want to ease off gradually rather than stop abruptly. Stuart explains why holding too little outside superannuation can quietly lock people into the all-or-nothing retirement they were trying to avoid, and why planning for at least 30 years of post-work life means growth assets need to remain part of the strategy well into retirement. He also breaks down why a $100,000 income target implying $5 million in assets is far less daunting once it's understood there are three separate levers available to pull, not just one. The episode closes with a one-page exercise listeners can complete this week to produce a first version of their own freedom number and freedom date. The full worksheet and modelling method appear in chapter two of Wealth by Design. My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    17 phút
  5. Ep 414: The 4 decisions that determine 95% of your financial outcome

    23 thg 6

    Ep 414: The 4 decisions that determine 95% of your financial outcome

    Read Full Blog Here Pre-order Wealth by Design Here Most people assume building wealth requires making hundreds of good financial decisions. In reality, a small number of choices do almost all of the heavy lifting, and this episode identifies exactly which ones. The first is the choice of partner, arguably the most important financial decision a person will make. Alignment on spending, saving, and investing dramatically simplifies wealth building, while misalignment creates the stop-start behaviour that derails even well-designed strategies. Divorce, by contrast, is one of the most financially destructive events that can occur, often setting people back further than they can ever fully recover from. The second is career choice, where lifetime earnings compound dramatically based on income level, and genuine enjoyment of work tends to drive higher earnings over time rather than the reverse. The third is a spending-saving philosophy, not a budget, but a guiding approach that avoids both extremes of overspending and joyless deprivation. The fourth category covers the tactical decisions that compound over decades: the first property purchased, where the family home is located, how superannuation is invested, the methodology used for investing outside super, and whether to seek professional advice at key decision points. Notably absent from the list are the decisions the financial media obsesses over: stock picking, market timing, finding the next big winner. The real insight is liberating: get a handful of decisions right, and the rest mostly takes care of itself. My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    26 phút

  6. 22 thg 6

    Q&A: Inheritance windfalls, home upgrades, and capital efficiency

    Pre-order Wealth by Design Here This episode brings together four listener scenarios united by a common theme: significant financial capacity, but genuine uncertainty about which move to make next and in what order. The first comes from a Sydney couple earning $540k who feel house-poor despite their income carrying a $1.9m mortgage on a home bought partly for its duplex potential, with a medium landslide risk and an $800k–$1m overseas inheritance on the way. The questions span inheritance allocation, debt recycling, cash flow management through private school fees, and how to restructure once the husband's income shifts to lumpy partner distributions. The second involves a Brisbane couple with a $7.8m property portfolio, strong equity, and a clear land-value-focused investment philosophy, now weighing whether to knock down and rebuild their current home, sell and buy in a premium riverside suburb, or hold a vacant subdivided lot for future development ahead of the Olympics. The third scenario is a Bondi couple renting in Sydney's Eastern Suburbs, earning up to $440k in a good year, with $630k in combined assets and a first child on the horizon, deciding whether to stretch for a $2–3m home now or continue building an investment portfolio through rentvesting. The fourth comes from a 49-year-old with a $12m property portfolio, $6.3m in equity, and a 15-year horizon to reach $25–30m in net worth, asking whether to stay the course with leveraged property, recycle equity into ETFs and super, or begin deleveraging for higher passive income. My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    34 phút
  7. Eight Rules Revisited #1 - The risk nobody warns you about 

    17 thg 6

    Eight Rules Revisited #1 - The risk nobody warns you about 

    Pre-order Wealth by Design Here This episode is the first in Eight Rules Revisited, a Thursday series running alongside the regular podcast. Each week, I take one of the eight golden rules from my 2018 book Investopoly and compare it with the version in my new book, Wealth by Design, out on 28 July. Some rules have changed, some have tightened, and some have simply been confirmed by eight more years of evidence and client experience. I'll tell you which is which, plainly, each week.  We start with Rule 1: think in decades, not days. The rule itself hasn't moved. What has changed is how I think about risk and volatility. In 2018, I told readers to ignore short-term market movements. That was true, but incomplete. I now define risk as the probability of failing to reach your goals, not the chance of watching prices fall. Seen that way, holding too much cash is risky, and refusing to invest in growth assets because they wobble is risky too. Volatility is simply the price of admission for long-term returns, and I put some numbers on how bumpy you should expect the ride to be.  I also share the four-question filter I now apply to every major financial decision, and a short exercise you can do this week on your next three big decisions.  If you find this useful, the full frameworks and worked examples are in chapter one of Wealth by Design. Pre-order before 28 July and you'll also receive the Investopoly Research Assistant, an AI tool trained on a decade of my writing.  My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    17 phút
  8. Ep 413 : What financial advisers really do with their own money

    16 thg 6

    Ep 413 : What financial advisers really do with their own money

    Read Full Blog Here Pre-order Wealth by Design Here Financial advisers often manage their own money quite differently from the clients they advise. After more than two decades of observing both groups up close, those differences have become a reliable indicator of what genuinely good financial decision-making looks like in practice. In this episode, Stuart shares nine observations drawn from that experience. Most financial advisers hold their superannuation entirely in growth assets, understanding that short-term volatility inside super is largely irrelevant when the money cannot be accessed for decades. They welcome falling markets rather than fear them. They use debt deliberately, neither avoiding it entirely nor using it recklessly, and they invest consistently from surplus cash flow rather than waiting for the right moment that rarely arrives. Their household finances follow a clear structural discipline: invest first, then spend what remains. They track their net worth regularly and understand what the numbers actually mean. They treat superannuation as a serious wealth-building vehicle from early in their careers, often choosing wrap platforms or SMSFs for the control and transparency they provide. And they largely ignore the daily noise of market movements, checking their own portfolios far less frequently than most people would expect. Some of these patterns sit at odds with conventional industry practice. That tension is worth examining, both for investors choosing how to manage their own money and for those deciding whether their adviser truly practises what they preach. My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.

    31 phút
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Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.auWe also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.

Thông Tin

  • Nhà sáng tạo
    Stuart Wemyss & Campbell Wallace
  • Năm hoạt động
    2018 - 2026
  • Tập
    550
  • Xếp hạng
    Sạch
  • Bản quyền
    © 2026 Investopoly
  • Trang web chương trình
    Investopoly

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