In this episode, Stuart examines whether being a wholesale investor truly unlocks better investment opportunities or is merely a more sophisticated marketing pitch. He explains what qualifies someone as a wholesale investor under Australian law, what protections are lost when switching from retail, and whether exclusive access to private equity, hedge funds, and unlisted property trusts is truly worth the trade-off. Stuart also breaks down the core risks of wholesale investments, like illiquidity, high fees, and lack of transparency. Why he believes these options should remain on the edges of a portfolio, not at the core.
Stuart also answers a follow-up question from Blair about ETF selection in an SMSF. Blair shares his proposed allocation of VAS, VGS, VGE, and VVLU, designed to balance value exposure, emerging markets, and reduced reliance on expensive US growth stocks. Stuart offers a perspective on how to think about ETF construction in a core-satellite portfolio and the role diversification plays over a 20-year investment horizon.
This episode is essential listening for anyone wondering if “exclusive” really means “better” in the investment world, and how to stay grounded in a disciplined, evidence-based approach that prioritises simplicity, cost-efficiency, and long-term compounding.
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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.
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