In this Q&A episode, Stuart answers diverse listener questions, offering valuable insights into navigating complex financial decisions. Whether you’re considering moving into an investment property, leveraging equity to build a share portfolio, or deciding between two locations for your next property purchase, Stuart provides clear, actionable advice tailored to different life stages and financial goals. He explores the implications of turning your investment property into your principal res...
Dec 02, 2024•29 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart tackles one of the toughest decisions investors face: when to hold onto an underperforming investment and when to cut your losses. While it’s tempting to sell and move on, legendary investor Charlie Munger reminds us, “The big money is not in the buying and the selling, but in the waiting.” Stuart explores the natural cycles of markets—recovery, expansion, an...
Nov 26, 2024•32 min•Ep. 332
In this Q&A episode, Stuart tackles some of the most pressing financial and property questions from listeners. With a focus on practical strategies, Stuart shares insights into managing paid-off investment properties and how leverage can impact long-term returns. He also explores tax-effective investment options, including innovative ways to reduce taxable income through bonus share plans. For property investors, Stuart addresses concerns around rising land taxes in Victoria versus Queenslan...
Nov 25, 2024•34 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart Wemyss dives into the key strategies for maximising property investment returns by striking the right balance between holding costs and capital growth. Discover why compounding capital growth is the real driver of wealth accumulation and how to avoid common pitfalls of focusing too much on rental income. Stuart explains the concept of the internal rate of ret...
Nov 19, 2024•32 min•Ep. 331
In this week’s Q&A episode, Stuart dives into a range of compelling questions that challenge conventional wisdom on property investment, superannuation strategies, and emerging investment opportunities. Whether you’re curious about optimising your borrowing capacity, choosing the right ownership structure for property investments, or understanding the nuances of splitting super contributions, this episode delivers actionable insights tailored to today’s financial landscape. Stuart also addre...
Nov 18, 2024•33 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores the concept of jumbo property investing : should you go all-in on a single high-value property or spread your investment across multiple, smaller properties? With average investment loans climbing past $600,000, many Australians face the question of whether to concentrate their budget or diversify. Stuart breaks down why a “jumbo” investment – such a...
Nov 12, 2024•30 min•Ep. 330
In this week’s Q&A episode, Stuart dives into diverse and practical strategies to help listeners navigate complex financial and investment decisions. From a single-income family exploring the best ways to invest despite low borrowing capacity to advice for Australians living abroad, Stuart addresses the financial nuances that impact people at all stages of life. He shares tips on how a father can help his adult daughter purchase a home without jeopardising his own retirement plans, plus insi...
Nov 11, 2024•34 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart dives into one of property investing's most critical decisions: choosing the right ownership structure. Since changing property ownership can trigger significant costs like stamp duty and capital gains tax, it’s essential to start with a structure that aligns with your long-term investment goals. Stuart explains key considerations, including how tax implicati...
Nov 05, 2024•35 min•Ep. 329
In this Q&A episode, Stuart covers several insightful financial scenarios, delving into when it makes sense to wind up a self-managed super fund (SMSF), strategies to manage capital gains tax (CGT), and guidance on property purchases to assist children in building wealth. Stuart examines how an SMSF with a lower balance can sometimes lead to higher costs, suggesting alternatives that may offer reduced fees and potentially better returns. Additionally, he addresses CGT concerns, highlighting ...
Nov 04, 2024•32 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this podcast, Stuart shares smart strategies for managing the rising costs of personal insurance, covering income protection, life insurance, TPD, and trauma insurance. Recognising that insurance is often essential to avoid financial disaster, he explains that premiums for these products have significantly increased over the last decade. While many people see insurance as an all-...
Oct 29, 2024•33 min•Ep. 328
In this episode, Stuart delves into a real-life case study showcasing the journey of a couple who began working with him in 2016 with an extensive asset portfolio, substantial debt, and high income—but faced critical decisions in managing their investments effectively. Starting with their principal home valued at $1.85 million, two investment properties with marginal equity, and $900,000 in investment assets, Stuart walks through their progression to today’s robust financial position, including ...
Oct 28, 2024•31 min
Read full blog here . DOWNLOAD our 97-point financial health checklist here In this episode, Stuart discusses the significant impact property decisions have on your financial plan, which is often overlooked by financial planners. He explains that property decisions are typically life-long, whether it's purchasing a home or investment property. Many financial planners traditionally focus on shares, bonds, and superannuation, while ignoring property as part of a comprehensive financial strategy. S...
Oct 22, 2024•33 min•Ep. 327
In this episode, Stuart Wemyss dives into some great listener questions covering a mix of financial strategies. He kicks off with advice on debt recycling, sharing practical tips on how to construct a solid share portfolio for long-term growth. Stuart also unpacks strategies for boosting super balances, especially for those with unique super funds, offering ideas on how to make the most of salary sacrifice and contribution rules. He then tackles a popular debate: residential versus commercial pr...
Oct 21, 2024•30 min
Read full blog here . DOWNLOAD our 97-point financial health checklist here In this episode, Stuart Wemyss explores the benefits and drawbacks of using a wrap account to invest in superannuation. He explains that wrap accounts offer a similar level of transparency and control as self-managed super funds (SMSFs) but with lower costs and fewer administrative burdens. Stuart describes a wrap account as an investment platform that provides a wide array of options, including shares, ETFs, and managed...
Oct 15, 2024•27 min•Ep. 326
DOWNLOAD our 97-point financial health checklist here . In this engaging Q&A episode, Stuart answers pressing listener questions on financial strategies that touch on inheritance management, property decisions, SMSF contributions, and optimal allocation of discretionary income. He offers practical insights, such as whether it's more beneficial to invest surplus income or pay down a home loan, how to approach receiving an inheritance in your 20s, and what to consider if your super balance exc...
Oct 14, 2024•27 min
Read full blog here . DOWNLOAD our 97-point financial health checklist here In this episode, Stuart provides a comprehensive overview of the best ways to invest your superannuation. He starts by exploring the landscape of industry and retail super funds, discussing the pros and cons of both. He critiques the scale and fee structures of industry super funds, noting that while they have grown significantly, their fees have not decreased proportionally. Stuart also touches on the increasing competi...
Oct 08, 2024•28 min•Ep. 325
DOWNLOAD our 97-point financial health checklist here . In this insightful Q&A episode, Stuart Wemyss addresses a range of topics that are crucial for anyone looking to grow their wealth and make informed financial decisions. He shares his thoughts on choosing the right investment strategies, including how to balance fees and returns when selecting super funds. Stuart also explores the growing trend of ethical investing, discussing whether prioritising socially responsible investments could ...
Oct 07, 2024•32 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here . In this episode, Stuart delves into the key indicators property investors should pay attention to, beyond the typical headlines. While economic factors like interest rates and unemployment often dominate discussions, Stuart explains why understanding the psychology of owner-occupiers and credit policy settings is crucial. With over two decades of experience, he shares insights from his recent interview with David Bassa...
Oct 01, 2024•31 min•Ep. 324
DOWNLOAD our 97-point financial health checklist here . In this episode, Stuart takes you through an incredible case study of a young couple who transformed their finances, growing their net worth from $60k of investment assets to over $1.6 million in just 8 years. When they started working with Stuart in 2016, they were 28 years old, and had a home valued at $400k, $60k in super, and $100k in HECS debt. Stuart explains how they strategically purchased two investment properties, including a Quee...
Sep 30, 2024•30 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart sheds light on the pitfalls of relying too heavily on property data when making investment decisions. While data can be a valuable tool, he explains why it's often misleading in the property market, especially compared to the more reliable stock market data. Stuart dives into the wide variations between different data publishers—highlighting examples where property price changes ranged from 3.3% ...
Sep 24, 2024•28 min•Ep. 323
DOWNLOAD our 97-point financial health checklist here . In this Q&A episode, Stuart tackles a variety of listener questions. Key topics include commercial property investment funds versus index funds, superannuation strategies, trust structures for investments, financial priorities during maternity leave, employee share risks, and eligibility for first home owner grants. My new book out in mid-2026: To join the pre-order waitlist and get a bonus. More info go to: https://prosolution.com.au/b...
Sep 23, 2024•27 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here . In this episode, Stuart dives into the rising cost of financial advice and what it means for Australians. With ongoing advisor fees often starting at $5,000 per year, many advisors now focus on long-term client relationships, leaving fewer options for those seeking once-off advice. Stuart explains how this shift forces many to navigate financial decisions independently, a challenge that can be daunting but not impossib...
Sep 17, 2024•26 min•Ep. 322
DOWNLOAD our 97-point financial health checklist here . In this episode, Stuart explores a remarkable case study of a client who increased their investment assets by 5.9 times in just six years. Starting in 2018 with a net worth of $2.9 million, primarily in home equity and superannuation, the client has grown their wealth to $5.1 million today, marking a 170% increase in net worth. Stuart breaks down the key factors behind this success, including the strategic purchase of a Queensland property ...
Sep 16, 2024•28 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart explores the ongoing debate about the future of interest rates and inflation, addressing key questions about when the Reserve Bank of Australia (RBA) might begin cutting rates. He highlights the disparity between the RBA’s forecasts, which predict inflation will only stabilise by 2026, and market expectations, which signal rate cuts as early as 2025. Drawing on historical trends and market insigh...
Sep 10, 2024•29 min
DOWNLOAD our 97-point financial health checklist here . In this Q&A episode, Stuart tackles a variety of listener questions on property investment, super contributions, and share portfolios. One listener asks whether it’s wise to leverage for an investment property now, even if it might need to be sold in the next five years. Stuart emphasises the long-term benefits of property ownership, combining gearing with time, and suggests a strategy to buy an upgraded home and rent it out. Another li...
Sep 09, 2024•29 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart tackles a crucial question for property investors: How long does it take for an investment property to cover its costs? He delves into the cash flow dynamics of property investment, explaining why most properties start as cash flow negative and what you can do to improve this over time. Stuart discusses the importance of understanding the timeline for your property to become cash flow neutral, es...
Sep 03, 2024•29 min•Ep. 320
In this case study episode, Stuart delves into the transformative journey of a couple who started working with Prosolution in their mid-40s, back in September 2016, with a $900k investment portfolio. Over the past eight years, they've grown their investment assets to $2.5 million, a remarkable 2.8x increase. Stuart discusses how Prosolution played a crucial role in cleaning up their investments and ownership structures, including eliminating expensive managed funds, optimising direct shares, and...
Sep 02, 2024•30 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart explores the critical question of whether financial advice is worth the cost. He delves into how the value of advice is closely tied to the amount you have to invest, the complexity of your financial needs, and the range of services required. Stuart highlights how professional advice can optimise investment returns, reduce taxes, and prevent costly mistakes through behavioural coaching. He also d...
Aug 27, 2024•30 min•Ep. 319
DOWNLOAD our 97-point financial health checklist here . In this Q&A episode, Stuart answers a range of insightful questions from listeners, covering various aspects of property investment, share market strategies, and borrowing capacity. He discusses the best vehicles for holding investments, such as companies, trusts, and superannuation, and offers his perspective on why the Adelaide property market has remained strong despite its economic challenges. Stuart also delves into the use of trus...
Aug 26, 2024•26 min
DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart delves into why Australia’s share market often seems to underperform compared to global markets, despite occasional bright spots. He reflects on the recent 6% market drop followed by a modest recovery in Australia compared to the US. While historical data shows a relatively small difference in long-term returns between Australian and international markets, Stuart highlights how recent years have ...
Aug 20, 2024•29 min•Ep. 318
