Investopoly

Read full blog here. In this episode, Stuart discusses the importance of considering potential inheritances when developing long-term financial plans. He acknowledges that with the vast amount of wealth expected to be passed down in Australia over the next two decades, many individuals are likely to receive an inheritance at some point in their lives. Stuart explores the various factors to consider when determining the extent to which an inheritance should be factored into one's investment strategy. He suggests adopting a conservative approach, as relying too heavily on an inheritance can carry risks, especially if the benefactor is relatively young and in good health. The episode delves into how incorporating an inheritance into one's financial plan might impact decisions such as home loan repayment, investment debt reduction, and risk tolerance. Stuart also provides insights on managing inheritances efficiently, including options like testamentary trusts, superannuation contributions, and debt reduction. He emphasises the importance of seeking professional advice to navigate the tax and legal implications of inheritances. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this case study episode, Stuart shares a real-life example of how his approach to financial planning helped a client transition from an underperforming self-managed super fund (SMSF) to a more efficient and transparent investment structure. The client had an SMSF managed by stockbrokers, heavily concentrated in Australian shares with minimal international exposure. After reviewing the fund's performance, Stuart found it had underperformed an industry fund by over 3% per annum. Rather than divesting the existing shareholdings, which were trading below fair value, Stuart recommended transferring the assets in-specie into separate super wrap accounts for the client and their spouse. This allowed the client to maintain transparency over their direct investment holdings while eliminating the compliance obligations and costs associated with running an SMSF. Stuart highlights the advantages of super wrap accounts, including the ability to defer capital gains tax until assets are sold, and the potential for substantial tax savings over time, especially for large balances with minimal turnover. The episode emphasises the importance of regularly benchmarking investment performance and considering cost-effective alternatives to SMSFs, such as wrap platforms, which can provide full transparency while minimising administrative burdens and compliance costs. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read full blog here. In this episode, Stuart provides valuable insights and practical advice for first-time property buyers and their parents. He emphasises the importance of adopting an investment mindset when purchasing a home, focusing on areas with consistent supply-demand imbalances, analysing past growth patterns, and maximising land value. Stuart highlights government assistance programs like the First Home Super Saver and Home Guarantee Scheme, which can provide significant financial benefits. He also discusses how parents can help their children, such as offering family guarantees or cash gifts while considering potential legal and tax implications. Stuart shares a real-life example of how his team helped a first-time buyer maximise their borrowing capacity, leverage tax benefits, and protect their capital gains tax exemption. Overall, this episode equips listeners with a comprehensive understanding of the property market, government incentives, and strategies for parents to support their children's first home purchases effectively. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this episode, Stuart presents a fascinating case study that challenges the traditional view on overcapitalising on a home. The clients in focus own a profitable business and have been strategically building their investment portfolio. Despite planning to spend a significant amount on constructing their dream home, Stuart reveals that overcapitalising may not be a major concern if certain conditions are met. The clients in question own a share in a thriving business generating over $1m pre-tax profit. They have a diverse investment portfolio and a desire to build their dream home. Despite spending almost $7m on this home, the potential for financial loss is diminished by their ability to continue investing in other assets and a solid exit strategy. Stuart highlights the importance of affordability, continued wealth-building outside of the home, and having a viable exit strategy. Listeners are encouraged to consider this unconventional approach to home investment, emphasising the balance between enjoying the present and securing future financial stability. This insightful episode challenges conventional wisdom and offers a fresh perspective on wealth-building strategies. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read full blog here. In this episode, Stuart discusses the feasibility and strategies of borrowing to invest in shares. He compares the practice of leveraging for share investments with the more commonly accepted approach of borrowing for property investments in Australia. Stuart highlights that gearing contributes significantly to property investment returns and the same principles can be applied to share investments. The episode explores three borrowing options: margin loans, investment mortgages, and internally geared ETFs. Stuart addresses the higher volatility associated with shares and suggests mitigating strategies like regular investing and maintaining a conservative loan-to-value ratio. He presents a case study demonstrating how an investor could accumulate substantial wealth by consistently investing borrowed funds alongside personal savings over an extended period of 24 years. Stuart estimates the investor would have tripled their investment by the end. The episode concludes with Stuart's recommendations - for smaller portfolios under $500,000, he suggests internally geared ETFs, while for larger investments, he advises seeking professional guidance to ensure proper diversification and risk management through a mix of ETFs and low-cost managed funds. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this case study episode, Stuart takes us through a real-life scenario of a client who retired at 55 with ambitious spending goals. The client wanted to spend a hefty $300,000 per year for the first 15 years of retirement, followed by reduced spending of $200,000 and then $150,000 annually in later years. With a substantial asset base including $2 million from selling their home, $2.5 million in super, and a $4 million beach house, proper planning was crucial. Stuart outlines the multi-faceted strategy they devised, involving property elements like investing the home sale proceeds, buying a city property, and restructuring to minimise capital gains and land taxes. Navigating investment entities and structures to optimise imputation credits was also key. Perhaps the biggest challenge was generating a high income stream, especially before the client could access their super. This case study highlights the importance of comprehensive retirement planning that accounts for desired spending levels, makes prudent return assumptions, seamlessly integrates tax planning, and strategically utilises all available assets and income sources. An engaging listen for anyone looking to master their retirement game plan. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read full blog here. In this episode, Stuart delves into statistical analyses and economic insights, dissecting the nuanced factors influencing property market trends over the past two decades and speculating on their implications for future investment strategies. Commencing with a comparative analysis of median house price growth rates across major capital cities, Stuart uncovers a stark contrast between the preceding two-decade periods. He scrutinises inflation-adjusted growth figures, attributing a significant portion of the disparity to evolving economic landscapes and regulatory shifts. He delves into pivotal events such as the Global Financial Crisis and recent pandemics, examining their impact on borrowing capacity and market sentiment. Through an exploration of historical borrowing trends and regulatory interventions, Stuart illuminates the evolving dynamics shaping property investment landscapes. Drawing on empirical data and forward-looking projections, he advocates for a conservative approach to property investment, emphasising the importance of proactive portfolio management and market intelligence. From identifying potentially undervalued markets to leveraging value-added opportunities, Stuart empowers listeners with actionable insights to navigate uncertain terrain and maximise investment returns. Stuart offers a prudent reminder: while the property market's future trajectory remains uncertain, strategic planning and informed decision-making can mitigate risks and position investors for long-term success. Tune in to gain invaluable perspectives on adapting to evolving market dynamics and safeguarding your property investment portfolio. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this captivating case study episode, Stuart delves into the real-life journey of rebuilding wealth post-divorce, offering invaluable lessons along the way. Following a client's separation in 2018, Stuart outlines the financial implications and strategic decisions made during the subsequent settlement in 2019. Despite the challenges, Stuart's guidance steered the client towards retaining key assets and formulating a plan for future financial security. Through meticulous planning and prudent investment choices, including property acquisitions and retirement strategies, Stuart demonstrates how resilience and strategic foresight can lead to successful wealth rebuilding post-divorce. Listeners gain actionable insights into navigating complex life transitions, the importance of financial planning, and the potential for rebuilding even amidst adversity. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read full blog here. In this insightful episode, Stuart dives into the critical factors to weigh when upgrading your home - a decision with both significant lifestyle and financial implications. He emphasises the importance of approaching it with an investment mindset, aiming to purchase a high-quality home that aligns with your aspirations while also maximising long-term capital growth potential. Key topics explored include strategically stretching your borrowing capacity to afford the best property possible without overextending yourself. He provides guidance on evaluating whether to retain your existing home as an investment, the ideal sequence of buying before selling, financing options like bridging loans and assembling the right professional team. Stuart underscores the need to remain as unemotional as possible throughout the process, leveraging the objectivity of experts like buyers' agents. He also addresses skillfully timing real estate market cycles to optimise buying and selling decisions. With valuable real-world insights, this episode equips you to confidently navigate the complexities of upgrading your home. Maximise this impactful investment by considering all angles - from finances and tax implications to lifestyle priorities. Don't miss the expert advice on transforming your home upgrade into a wealth-building opportunity. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this compelling case study episode, Stuart shares a real-life example that masterfully combines estate planning, tax minimisation, and portfolio management strategies. He walks through the steps taken to optimise an unexpected multi-million dollar inheritance for a client. The pivotal move? Establishing a testamentary trust as outlined in the will, enabling the transfer of the inherited share portfolio into this strategic structure. By distributing the income and capital gains to the client's seven grandchildren, a remarkable tax-free outcome was achieved by leveraging their lower marginal rates. Stuart's team then transitioned the concentrated Australian share portfolio to a more diversified, rules-based, and evidence-backed approach—reducing risk while still capturing impressive growth from $4 million in 2020 to $4.8 million today despite drawing income. This case serves as a powerful testament to the compounding benefits of seeking timely advice and properly structuring assets. Tune in for an insightful look at how professional guidance can potentially unlock substantial value, even from unexpected windfalls. Don't miss these real-world lessons! ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read the full blog here. In this episode, Stuart presents a compelling analysis of the merits and pitfalls of investing in digital assets. Despite recent surges in Bitcoin's price and endorsements from influential figures like Blackrock's CEO, he expresses significant scepticism about cryptocurrencies as a worthwhile investment. Stuart acknowledges the growing presence of fund managers and the proliferation of Bitcoin Exchange-Traded Funds (ETFs) as potential avenues for investment. However, he cautions against undue optimism, highlighting the commercial incentives of asset managers and the uncertain impact of ETFs on crypto's volatility. He argues that after over a decade, crypto has failed to gain wide adoption as a means of exchange beyond speculative investing and illicit activities. It lacks the fundamental utility underpinning traditional investments tied to products or services. Stuart likens crypto to a social Ponzi scheme reliant on continuously convincing new buyers. Major drawbacks he outlines include extreme volatility undermining crypto's viability as a store of value, along with significant custody risks from unregulated exchanges vulnerable to hacking or bankruptcy. If crypto did achieve mainstream success, Stuart argues regulation would strip away its touted decentralised nature. While some have gotten rich from crypto's rise, he cautions it operates on a zero-sum basis with equal losers. If investing, Stuart recommends only allocating what you can afford to lose within a fundamentally sound overall portfolio strategy, as the "music could stop any time on this speculative party." ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this episode, Stuart delves into the gravity of property decisions and their far-reaching consequences. He recounts a particularly challenging scenario where his expertise was pivotal in guiding clients through the maze of property investment considerations. The dilemma was whether to purchase a home now or defer the decision to a later date. Many factors came into play, including borrowing capacity, taxation implications such as unrealised capital gains, and the looming prospect of escalating property prices in the future. Striking the delicate balance between leveraging debt for investment while preserving flexibility for future home purchases demanded a comprehensive understanding of property markets, investment fundamentals, and tax implications. Stuart's approach encompassed financial modelling, taxation expertise, and traditional financial planning acumen, culminating in a meticulously crafted strategy. The complexity of the task highlights the rarity of advisors capable of navigating such intricate terrain. Stuart emphasises the necessity of a multidisciplinary approach, acknowledging the limitations of specialists confined within their respective domains. This case study serves as a poignant reminder of property decisions' profound impact, extending beyond mere investment returns to shape long-term financial well-being. It underscores the imperative for informed decision-making, where expertise across diverse fields converges to chart a course towards financial security and prosperity. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read full blog here. In this episode, Stuart Wemyss delves into the nuanced debate of prioritising short-term returns versus adopting a steadfast long-term investment strategy. Drawing from his extensive experience, Wemyss navigates the complexities of financial planning, urging listeners to reevaluate their approach amidst fluctuating market conditions. He articulates the inherent advantages of a long-term perspective, emphasising its ability to filter out short-term noise and minimise risks and costs associated with frequent trading. Through insightful analysis, he elucidates the unparalleled power of compounding returns, vividly depicting wealth accumulation over time. However, Wemyss acknowledges the allure of short-term gains and the potential benefits for novice investors seeking to bolster their financial position. Yet, he cautions against the pitfalls of addiction to short-term thinking, stressing the importance of setting clear deadlines for transitioning to a long-term approach. He challenges conventional investment paradigms, urging listeners to prioritise patience and foresight over instant gratification. As Charlie Munger aptly states, "The big money is not in the buying and selling but in the waiting." For investors navigating the intricate landscape of financial planning, this podcast episode offers invaluable insights and strategic perspectives to inform sound investment decisions in an ever-evolving market environment. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this episode, Stuart delves into the intricate interplay between personal and business advice, offering practical wisdom gleaned from real-life scenarios. In just 2.5 years, our clients' journey illustrates the fusion of business and personal financial strategies. From optimising business structures to navigating government regulations, we've streamlined operations for growth. Meanwhile, on the personal front, we've tackled property investments, leveraged borrowing capacities, and strategised for overseas living—all while safeguarding against risks like estate planning and insurance. The key revelation lies in the symbiosis between business success and personal aspirations. As their business flourishes, their financial framework must evolve to support personal goals. Our case study underscores the necessity of adaptability in investment decisions and tax planning amidst dynamic circumstances. Tune in to explore how a holistic approach to financial management can seamlessly align business growth with individual wealth objectives. Invest in your future by understanding the intricate dance between personal and business finances. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read full blog here. In Part 1, the podcast scrutinised the performance of apartment markets in major Australian cities over the past decade, uncovering reasons behind their underperformance and prospects for a new growth cycle. In this podcast episode, Stuart Wemyss provides a deep dive into the critical decision of whether to sell underperforming apartments in Australia's real estate market. Wemyss meticulously analyses the performance of apartment markets in Melbourne, Sydney, and Brisbane over the past decade, shedding light on factors influencing their growth potential. Listeners gain valuable insights into the contrasting dynamics of apartment markets across major Australian cities, from rising values in Brisbane to affordability indicators in Sydney and potential challenges in Melbourne due to market dynamics and tax implications. Wemyss presents a practical 4-question framework to guide listeners through the decision-making process, from assessing apartment quality to exploring reinvestment options and considering block selling opportunities. He emphasises the importance of tailored advice and engaging professionals like buyers' agents, mortgage brokers, accountants, and financial advisors to make informed decisions aligned with individual financial goals. Tune in to this episode for expert guidance on navigating the complexities of the apartment market and optimising investment strategies for maximum returns in an evolving real estate landscape. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read the full blog here. In this podcast episode, Stuart Wemyss delves into the intriguing dilemma of whether to sell underperforming apartments in Australia's real estate market. He dissects the prolonged underperformance of apartments in Melbourne, Sydney, and Brisbane, spanning over a decade, challenging investors to reconsider their strategies in light of stagnant growth rates. The episode navigates through the complexities of supply-demand dynamics, construction quality concerns, and shifting rental yields versus owner-occupier interest rates. Moreover, Wemyss offers insights into the evolving relationship between apartment and house prices, highlighting the current affordability gap and its implications for investment decisions. Through meticulous analysis and astute observations, he unveils the potential triggers for a market resurgence, including dwindling new apartment starts and increasing construction costs. The episode concludes with a thought-provoking examination of the cost-benefit analysis between renting and owning, providing listeners with valuable considerations for navigating the evolving real estate landscape. For investors seeking clarity amidst market uncertainty, this podcast episode serves as an indispensable guide, offering actionable insights and strategic perspectives to inform their investment decisions in the ever-evolving apartment market landscape. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In this episode, Stuart Wemyss unpacks a real-life case study covering downsizing, business exits, and inheritance. The client initially received fragmented advice, leading to confusion and inefficiencies in their financial strategy. Through our integrated approach, we optimised their SMSF investments, streamlined portfolios, and strategically sold underperforming assets. With proactive business restructuring and astute estate planning, we achieved substantial tax savings. In just 2.5 years, our collaborative efforts spanned business advice, portfolio management, tax structuring, and property guidance. This holistic approach highlights the value of a unified advisory team. Join Stuart as he simplifies financial planning, showcasing the transformative power of integrated guidance across disciplines. This episode illustrates how synergy can unlock significant value for clients. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read the full blog here. In this podcast, Stuart Wemyss delves into the intriguing dynamics of property investment, challenging the conventional wisdom that blue-chip suburbs are always the safest bet. The episode begins by scrutinising misleading claims made by some buyers' agents, emphasising the importance of thorough due diligence in a market often lacking regulatory protection. The host addresses the recent boom in regional towns, exploring why seemingly secondary suburbs can outperform blue-chip counterparts. Drawing on extensive research and real-life examples, the podcast highlights the pitfalls of short-term performance data and the significance of focusing on long-term investment fundamentals. Through a comparison of properties with rapid initial growth and consistent, moderate growth, the host demonstrates the lasting benefits of investment-grade locations. The episode also examines the surprising success stories of secondary suburbs like Moorabbin, Bentleigh, and McKinnon, shedding light on factors like the affordability ripple effect and gentrification. The discussion culminates in a crucial takeaway: while there may be short-term outliers, blue-chip, investment-grade locations are ultimately the least risky and more likely to withstand market fluctuations. For potential investors seeking a nuanced perspective on property investment, this podcast offers valuable insights and challenges preconceived notions, making it a must-listen in the ever-evolving landscape of real estate. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

Read the full blog here. In this insightful podcast, listeners delve into the intriguing relationship between interest rates and growth company valuations. Contrary to conventional wisdom, higher interest rates haven't significantly dampened stock market valuations, challenging prevailing expectations. With 72% of S&P 500 companies reporting higher-than-expected earnings, the resilience of the US economy stands out. However, the discussion extends beyond the US, exploring future expected returns across different geographical markets. Japan and emerging markets lead with projected 10-year returns of 9.1%, while US large caps lag at 3.0%. The podcast doesn't just analyse; it provides actionable insights. Listeners gain strategies for navigating these market dynamics, from diversifying portfolios across Australian and ex-US markets to incorporating sustainable investments. The evidence-based approach advocated here offers a roadmap for maximising returns while mitigating risks. Whether you're a seasoned investor or just getting started, this podcast equips you with the knowledge and strategies needed to thrive in today's dynamic market landscape. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.

In my regular weekly episode, I talk about the theories, methodologies, and principles associated with investing. These case study episodes aim to share how the application of our approach to formulating advice has worked in a real-life situation. Case study: Property advice is crucial How wealth advice, property advice, and lifestyle goals are often very interrelated. Approached us for advice in 2019. Male-owned new-build apartment with $200k of equity. Female-owned house and land package with $260k of equity in it. They had high incomes, but also spent a lot. Neither of their properties would be considered investment grade. Advice: sell both, and invest $460k of equity in the highest quality house they can afford. Retain as much cash as possible. Don’t worry about building. Use a buyers’ agent. In July 2020, they bought a home for $2m. They borrowed around $1.9m = forced savings. Used family guarantee (mum’s ppty) so that they could retain cash. Their property is now worth $3.5m. $1.5m tax-free gain. It was a 10+ year strategy, and we couldn’t have anticipated that they’d be so well off after only 3 years, but it’s a good example. What can we learn? Well-rounded advice is very important. It's only with the benefit of hindsight do you know how valuable it can be to stretch yourself. Being too conservative can be costly. Cannot underestimate the tremendous lifestyle impact of upgrading the home. A forced savings strategy is very good for people who are spendthrifts. Structuring the mortgage currently was important to (1) ensure he maintained a buffer and (2) took advantage of low rates – we staggered expiries. ASK ME A QUESTION ON YOUTUBE: https://www.youtube.com/watch?v=ACnxmEP8vv8 My YouTube channel: https://youtube.com/@investopolypodcast 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.