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Investopoly

Stuart Wemyss
Investopoly
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  • Ep 363: What are the best, safe, income-style investment options?
    Read full blog here.In this insightful episode, Stuart Wemyss explores the safest, most reliable income-generating investment options for risk-averse investors or those with short investment horizons. He begins by highlighting why fixed income investments deserve more attention, especially for portfolio stability, retirees, or anyone with a low risk tolerance.Stuart presents a clear hierarchy of choices, starting with mortgage offset accounts as the most efficient, risk-free return option, often outperforming taxable investments on a net basis. He then explores term deposits, which are secure but less appealing given flat interest rate curves.Next, he dives into fixed income ETFs, breaking them into categories: government bonds (like VGB), corporate bonds (such as CRED and HCRD), composite ETFs, and hybrid securities (like BHYB), which blend the features of shares and bonds for higher income. These options provide dependable yields (4–6.7% p.a.) with varying degrees of risk and liquidity.Stuart also touches on alternative investments like unlisted mortgage and private credit funds but warns they often carry more risk, lack transparency, and may offer marginally higher returns not worth the trade-off.If you're seeking steady, low-risk income from your investments, this episode is packed with practical, evidence-based strategies to help you make informed decisions.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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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  • Q&A: Property negotiation, retirement planning, home upgrade and more...
    In this Q&A episode, Campbell unpacks a range of nuanced financial scenarios submitted by listeners grappling with how to best use their wealth, equity, and income to build a stronger financial future. The central theme revolves around one of the most common dilemmas: when your wealth is mostly tied up in property, what’s the next strategic step?Whether it’s deciding whether to chase a dream home post-auction, restructure assets for retirement, or explore SMSFs as a way to diversify and leverage superannuation, Campbell cuts through the noise with practical, numbers-driven advice. He discusses the real cost of holding underperforming investments, how to assess whether an advisor is actually adding value, and the common pitfalls of over-contributing to super when tax benefits are marginal.For listeners who’ve built up significant property equity but now want more lifestyle freedom, Campbell provides guidance on when to upgrade your home, when to walk away from additional property investment, and how to think about risk-adjusted returns from ETFs versus real estate. This episode is a must-listen for anyone balancing ambition with lifestyle, and aiming to make smart, long-term decisions that align with both financial security and personal fulfilment.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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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  • Ep 362: 4 property (evidence-based) golden rules
    Read full blog here.In this episode, Stuart Wemyss distils insights from over a decade and 150+ blogs into four golden, evidence-based rules for successful property investing. He begins with the foundational principle: prioritise capital growth over income when buying, focusing on high-quality, investment-grade assets in tightly held, established suburbs. Income, he explains, can be improved later, but land location is forever.Rule two highlights the importance of understanding property cycles, and timing your purchases to coincide with upcoming growth phases can dramatically fast-track wealth building. Drawing on real client case studies from Brisbane, Stuart illustrates how identifying the right cycle makes a significant difference.Next, he breaks down the math behind wealth accumulation, leveraging full borrowings, negative gearing, and compounding capital growth to create outsized long-term returns. He contrasts property with shares to explain why property is often the better vehicle for gearing.Finally, Stuart stresses future buyer capacity; understanding who will be able to afford your property in 10, 20, or 30 years is key to selecting high-performance assets. He unpacks the roles of credit policy, urban sprawl, and wealth inequality in fuelling long-term growth.This episode is a must-listen for anyone serious about building long-term wealth through strategic property investing.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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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  • Q&A: What to do if most of your wealth is in property; update home or invest?
    In this Q&A episode, Stuart tackles one of the most pressing challenges facing many Australians today: how to make smart financial moves when most of your wealth is tied up in property. He explores the tension between long-term investment strategy and short-term lifestyle pressure, helping listeners find a better balance between financial progress and personal well-being. From assessing whether a self-managed super fund (SMSF) is a wise move to managing multiple investment properties with tight cash flow, Stuart offers clear, strategic thinking on how to future-proof your finances while reducing financial stress.He also delves into key questions like whether to upgrade your home or invest further, how to think about property versus shares in a changing market, and the value of liquidity and flexibility as you approach retirement. Throughout, Stuart keeps the focus practical and empathetic, guiding listeners through complex decisions with clarity and a long-term lens.If you’re trying to decide what to do with your next investment dollar, wondering whether to hold or sell, or simply aiming for more freedom without sacrificing your financial future, this episode is packed with insights to help you move forward with confidence.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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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  • Ep 361: How does Vanguard Super stack up?
    Read full blog here.In this episode, Stuart breaks from tradition to deliver an exclusive review of Vanguard Super, Vanguard’s bold foray into the Australian superannuation market. Known for his commitment to independence and strategy-first insights, Stuart explores why Vanguard’s entry could be a game-changer for Australians dissatisfied with the opaque and politically entangled operations of traditional industry super funds. He delves into Vanguard’s unique not-for-profit structure, ultra-low fees, tech-forward administration through Grow Inc., and its world-class investment expertise. While Vanguard Super is still small, its rapid growth and financial sustainability signal promising potential. Stuart also offers a deep dive into Vanguard’s investment options, explains why he recommends the High Growth option for long-term investors and compares fees with heavyweights like AustralianSuper and UniSuper, revealing a clear cost advantage. He even tackles often-overlooked areas like insurance quality and tax implications of pooled vs. non-pooled products. If you're exploring superannuation alternatives or want expert insight into how Vanguard stacks up, this episode is packed with analysis you won’t want to miss.Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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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About Investopoly

Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stuart Wemyss, a qualified financial advisor, accountant, tax agent, and licensed mortgage broker, delivers holistic advice. With four authored books, including "Investopoly" and "Rules of the Lending Game," Stuart shares his insights through a weekly blog, which is replicated on this podcast.
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