In this Q&A episode, Stuart dives into diverse financial topics, from tax-efficient super strategies to Melbourne's property market trends and business exit planning. He answers listener questions on the best share broking platforms, breaking down fees, accessibility, and market options. For superannuation investors, Stuart explains the tax implications of switching super fund investment options and discusses strategies for managing the taxable component of an SMSF, including the re-contribu...
Mar 17, 2025•33 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we take a deep dive into property development as a wealth-building strategy. Using real-life case studies, we explore whether small-scale property development offers better returns than traditional buy-and-hold investing. 🔹 Does developing property really pay off? Stuart analyzes a 20-year property development case study, showing how one investor turned $270,000 in...
Mar 11, 2025•36 min•Ep. 347
In this Q&A episode, Stuart tackles pressing financial questions on asset protection, property decisions, and short-term investment strategies. He delves into whether high-net-worth individuals should prioritise asset protection over tax efficiency and whether selling assets now to move them into a trust is worth the CGT hit. Stuart also advises on the tricky decision of whether to sell or hold an investment property in light of expected life changes, breaking down the financial implications...
Mar 10, 2025•27 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares the key ways a financial advisor can help you maximise your share portfolio’s returns—beyond just picking stocks . 🔹 What difference does an advisor make? Even savvy, self-directed investors can unknowingly leave money on the table. Stuart recounts a recent client experience where DIY investing resulted in costly mistakes—mistakes that could have been...
Mar 04, 2025•33 min•Ep. 346
In this Q&A podcast, I discuss strategies for maximising superannuation contributions, including the eligibility criteria for large non-concessional contributions and using income from properties and trusts to qualify. A listener seeking retirement planning advice receives insights on optimising investments for income, along with guidance on investing in shares versus property and the implications for estate planning. I also tackle superannuation strategies, exploring the benefits of separat...
Mar 03, 2025•36 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell Wallace breaks down the key qualities that make a great buyer’s agent and why choosing the right one can make or break your property investment strategy. Investing in the highest-quality, investment-grade property within your budget is crucial for long-term capital growth. But navigating the market alone can be risky, and making the wrong purchase could set...
Feb 25, 2025•32 min•Ep. 345
In this Q&A episode, Stuart delves into a variety of listener questions, tackling key financial strategies for wealth-building, tax optimisation, and long-term investment planning. He explores the complexities of intergenerational wealth creation, discussing how trusts can be structured to compound assets over generations. Loan structuring and tax deductibility are also covered, helping investors understand how to optimise their financing for maximum benefits. Additionally, Stuart critiques ...
Feb 24, 2025•33 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores why having a clear, long-term investment strategy is essential for financial success. Inspired by Rohan Rajiv’s insights on strategy, he breaks down how defining a sequence of smart financial steps can help you navigate trade-offs, avoid costly mistakes, and stay on track toward your financial goals. You’ll discover: ✅ How a well-planned strategy hel...
Feb 18, 2025•36 min
In this Q&A episode, Stuart tackles a diverse range of listener questions, covering key financial strategies to optimise wealth and retirement planning. He explores the idea of setting up super accounts for children, weighing the long-term benefits against prioritising present-day investments. He also dives into the complexities of franking credits, comparing industry funds with self-managed super funds and their impact on retirement income. For property investors, Stuart breaks down the dec...
Feb 17, 2025•34 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores an alternative strategy for property investors who may be cash-flow-poor but asset-rich—co-investing in property with your superannuation. Building on last week’s discussion about the pros and cons of borrowing inside super, Stuart introduces a method that could help investors increase their budget to secure higher-quality properties without fully re...
Feb 11, 2025•33 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this case study episode, Stuart Wemyss discusses a client’s journey to establishing a successful retirement strategy using a perpetual portfolio. The client, who began retirement with a Self-Managed Super Fund (SMSF) balance of just under $2 million, faced significant losses from a poor stock pick. However, over seven years, the portfolio has grown despite drawing substantial pension payments. Stuart...
Feb 10, 2025•32 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the realities of borrowing to invest in property inside your superannuation. While SMSFs using Limited Recourse Borrowing Arrangements (LRBAs) have seen impressive asset growth—rising from $43 billion to $70 billion in just five years—the benefits of this strategy are often overstated. Stuart dives into the numbers, comparing returns on property i...
Feb 04, 2025•31 min•Ep. 342
In this Q&A episode, Stuart answers a range of listener questions covering property investment strategies, tax considerations, and structuring share portfolios for long-term wealth building. He explores whether it's better to sell investment properties to upgrade a family home, how to balance rental yields with capital growth, and whether to renovate or develop for higher returns. Stuart also dives into tax-efficient superannuation strategies, IRR calculations for property investments, and t...
Feb 03, 2025•41 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart dives into the essential traits that make a mortgage broker truly great and how they can transform your financial journey. With over two decades of experience in mortgage broking and property investing, Stuart shares unique insights into what separates exceptional brokers from the rest. He explores the five critical attributes every top-tier broker should pos...
Jan 28, 2025•43 min•Ep. 341
In this engaging Q&A episode, Stuart tackles a wide range of listener questions on investing, property development, superannuation strategies, and financial planning. He provides expert insights into whether to use dollar-cost averaging or lump sum investing, evaluates the benefits of wrap platforms versus low-cost funds like VDGR, and offers guidance on property decisions, including whether to renovate or develop for higher returns. Listeners will also gain practical advice on optimizing su...
Jan 27, 2025•38 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores the best strategies for investing in the share market in 2025, comparing index funds, managed funds, and direct shares. Backed by data from the S&P Dow Jones SPIVA report, Stuart explains why evidence-based, rules-driven strategies consistently outperform active management. He also unpacks the dominance of large-cap stocks in 2024, the risks of g...
Jan 21, 2025•41 min•Ep. 340
In this episode, Stuart answers listener questions about share market investing in 2025, exploring the merits of index funds, managed funds, and direct shares. He explains why evidence-based, rules-driven strategies consistently outperform active management, using data from the S&P Dow Jones SPIVA report. Stuart highlights that over 85% of Australian actively managed funds and 90% of U.S. funds fail to beat their respective indexes over the long term. This makes index funds, with their low f...
Jan 20, 2025•32 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart delves into the key trends and expectations shaping the Australian property market in 2025. He unpacks the fascinating dynamics driving property prices across the nation’s capital cities. From Perth's explosive growth to Melbourne's ongoing flat cycle, Stuart provides expert insights into the factors influencing the market, including interstate migration, loa...
Jan 14, 2025•26 min•Ep. 339
In this episode, Stuart dives into listener questions covering a wide array of financial topics, from optimising the use of offset accounts versus SMSF loans to debt recycling as a tax-efficient strategy. He shares insights on how to allocate surplus funds, particularly in scenarios where SMSF loans carry higher interest rates than traditional investment loans. Stuart also explores the complexities of consolidating superannuation accounts to reduce fees, particularly for retirees, and discusses ...
Jan 13, 2025•31 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell tackles a common yet complex financial question: should you use your surplus cash flow to pay down debt or invest for the future? Starting with the goal of owning your home outright by retirement, Campbell explains why that’s a sensible priority. He then explores the less straightforward decision of managing tax-deductible debt tied to an income-producing a...
Jan 07, 2025•34 min•Ep. 338
In this episode, Stuart addresses a variety of listener questions covering topics like helping family members plan for retirement, understanding the tax implications of superannuation options, and the intricacies of asset protection in personal and business relationships. He explores strategies to assist parents with low financial literacy, including structuring their business for tax savings and leveraging super contributions effectively. Stuart delves into the nuances of capital gains tax in s...
Jan 06, 2025•36 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell delves into the often-overlooked liquidity challenges of holding property within a Self-Managed Super Fund (SMSF). While the tax-friendly environment of superannuation can make SMSF property ownership seem attractive, the reality is more complex. Campbell explains how borrowing restrictions, higher interest rates, and reduced negative gearing benefits can i...
Dec 31, 2024•34 min•Ep. 337
In this week’s Q&A episode, Stuart dives into a variety of listener questions that touch on key aspects of financial planning, investment decisions, and retirement strategies. Topics include the ongoing debate of superannuation versus property investment, understanding the capital gains tax implications of rebuilding an investment property as a principal residence, and managing tax-efficient loan structures when multiple properties are involved. Stuart also shares insights on including adult...
Dec 30, 2024•34 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell dives into one of the most debated investment topics: property versus shares. Drawing on a practical, real-life scenario, he explores how much capital growth a property needs to produce before it outperforms a share portfolio, factoring in critical variables like leverage, tax implications, and ongoing costs. By comparing a leveraged property investment to ...
Dec 24, 2024•32 min•Ep. 336
In this week’s Q&A episode, Stuart tackles some insightful and diverse listener questions covering tax strategies, investment structures, and retirement planning. He explains how bucket companies operate under different tax rates, the importance of comparing investment returns before and after tax, and whether family trusts can help kids leverage equity to buy property. Stuart also explores strategies for time-poor investors with surplus cash flow, addressing whether ETFs are a viable altern...
Dec 23, 2024•32 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart delves into the long-term future of property investing in Australia and what it means for investors. With a federal election on the horizon in May 2025, housing affordability is set to take centre stage, but will it result in real change? Stuart explains why government reliance on property-related taxes makes meaningful reform unlikely. He explores the impact...
Dec 17, 2024•30 min•Ep. 335
In this Q&A episode, Stuart addresses a range of thought-provoking investment questions from listeners. He explores the simplicity and effectiveness of using a single diversified ETF, such as VDHG or DHHF, while highlighting the nuances and potential limitations of this strategy for larger portfolios. Stuart also offers tailored advice on whether to upgrade a primary residence or invest in Melbourne property, ultimately favouring the lifestyle and financial benefits of upgrading. Listeners g...
Dec 16, 2024•29 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart Wemyss delves into the essential considerations for those planning to retire within the next five years. Drawing on his extensive expertise, Stuart outlines practical strategies to ensure a smooth transition into retirement, focusing on self-funded retirees. Key topics include resetting loan terms to maximise flexibility, adjusting or cancelling insurance as ...
Dec 10, 2024•32 min•Ep. 334
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this case study episode, Stuart Wemyss shares the 15-year wealth-building journey of long-term clients who successfully grew their investment assets from $479k to $3.9 million. Stuart details how this couple, now in their late 50s, strategically upgraded their family home, built a diversified property portfolio, and significantly enhanced their superannuation. Starting in 2009 with a net worth of und...
Dec 09, 2024•33 min
New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. Stuart highlights the growing concerns parents face about their children’s ability to enter the property market, offering a balanced strategy that prioritises parental financial security. The foundation of his advice is ensuring your own retirement is fully funded before considering financial support for your children. This prevents potential future dependency on them. He explains t...
Dec 03, 2024•29 min•Ep. 333
