Investopoly

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 fou...

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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 Sa...

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 questi...

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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. 

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 hous...

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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 prec...

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 formulat...

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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 expl...

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 strateg...

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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 prolifera...

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 implicatio...

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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 perspe...

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,...

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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 meticul...

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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 th...

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 es...

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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 ...

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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 ou...

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 apartme...