PODCAST · business
Investopoly
by Stuart Wemyss & Campbell Wallace
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to [email protected] We also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.
Episodes
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Ep 430: Is financial advice worth it? What rules can't fix.
Read Full Blog Here Russell says advice adds 5.5% a year and Vanguard says 3%. A disciplined, rules-based approach captures much of that, but not all of it. I think these reports overstate things by assuming that without an adviser you'll panic, chase returns and keep changing strategy. In this...
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Q&A - Debt recycling when you sell your home: keep the deduction
Selling your home needn’t undo debt recycling. I’d substitute the security with a term deposit or your next home to keep it deductible. In this listener Q&A I walk Dave through substitution of security and simultaneous settlements, and explain why I’d pay a little more for a flexible lender. I…
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Ep 429: How much do you need to retire & are you on track? Work it out here.
Read Full Blog Here To spend $120k a year from age 60, you need about $3m to never touch your capital, or $2.1m if you plan to run it down to zero by 90. Most super calculators can't tell you whether you're on track, because they ignore investments held outside super, especially geared property,...
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Q&A- Sequence of returns risk retiring early: bridging to super
Sequence-of-returns risk in early retirement is manageable with a big enough cash buffer. What I'd test is how you'll feel spending it. In this listener Q&A, I work through Michael's plan to retire at 52 and use an ETF portfolio plus three years of living expenses in an offset to cover the eight…
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Ep 428: Why interest rates may need to stay higher for longer
Read Full Blog Here Back in 2023, Stuart argued that inflation and rates could stay higher for longer than most expected, drawing on 50 years of history showing that once inflation tops 8%, it typically takes a decade or more to settle. That call has aged well: after cutting through 2025, the RBA...
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Q&A: Upgrade or rentvest, home equity loans, and going non-resident
Four listeners think several moves ahead. Silvia, who arrived in Australia in 2025 with a high income but low super, lays out a detailed plan: switch to variable with an offset, interest-only to preserve deductibility, build a buffer while catching up on super, and asks the deeper question: does...
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Ep 427: How to assess whether property and share markets are attractively priced
Read Full Blog Here Stuart calls his approach value-aware: buying high-quality assets when they're attractively priced. Quality decides whether something is worth owning; price decides when to invest and how much. In this episode, he explains why both matter: your return comes from two engines:...
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Q&A - Deploying an inheritance, selling an average property, and funding a long retirement
Four listeners at very different scales. "James," 45, describes himself as not being great with money but ready to fix that with a $480k inheritance, a high income, and 15 years to run. His head is spinning: pay off the mortgage, debt recycle, go all-in on ETFs, start an SMSF, and is property…
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Ep 426: The do not invest list: why good investors say no
Read Full Blog Here Most investors think good investing means finding more things to say yes to: more opportunities, more asset classes, more products in the mix. Stuart argues the opposite: the people who build the most wealth over a lifetime have the discipline to say no, repeatedly, to almost...
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Q&A - Choosing a pension account, topping up in retirement, and offset versus debt recycling
This episode answers five detailed listener questions spanning retirement income, structure, and the offset-versus-invest decision. A listener retiring at 60 with $1.3m compares the Vanguard SpendSmart allocated pension against his current fund on fees, and asks whether a growth or balanced...
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Ep 425: Family trust investing: Are trusts still worth it under proposed tax changes?
Read the blog online here. Two tax changes could materially alter how Australians own investments and use family trusts. The first is Division 119, which has already been legislated and will impose a minimum 30% tax on capital gains made after 1 July 2027. The second is a proposed minimum 30% tax...
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Q&A - Cash-heavy at 48, bridging to early retirement, and debt-free at 31
Four listeners at genuine turning points. "Steve," 48, with a wife of 54 and a large cash holding, knows he's too conservative and wants to move into ETFs ahead of retirement at 57, while supporting a special-needs adult child and navigating his wife's super unlocking first. How should that shape...
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Ep 424: Should you hedge your international share portfolio
Read Full Blog Here If you're following the case for going underweight Australian shares and leaning into global developed markets, you inherit a new question: what do you do about currency risk? Every international investment has two return drivers: the underlying market, and movements in the...
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Q&A - Untangling a messy structure, cutting losses, and low-income investing
Three listeners wrestling with structure and second-guessing. "Marty," an Adelaide doctor who's become genuinely financially literate since engaging a planner two years ago, feels his arrangement is messier than it should be: managed funds underperforming at a 2.9% IRR, borrowed money in the…
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Ep 423: Negative gearing deferred - heres how to manage the cash flow gap
Read Full Blog Here Quarantining negative gearing doesn't just reduce a tax benefit; it can blow a hole in an investor's cash flow. Take a property with a $30,000 annual shortfall: previously, offsetting that loss might have clawed back $12,000–$14,000 in tax, bringing the real cost to around...
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Q&A - Super recontributions, property versus ETFs, and the grandfathering question
Four listeners bring sharp, forward-looking questions. "Tony" wonders whether super recontribution strategies, used to cut the taxable component and reduce death benefit tax, could be the next target for a budgetary hatchet, and asks for Stuart's view without giving the government any ideas. An...
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Ep 422: Blame the 20-year growth cycle, not necessarily the Victorian government
Read Full Blog Here Melbourne has tested investors' patience like nowhere else. Its median house price has grown just 1.8% a year since early 2017, below inflation, meaning that, in real terms, property is cheaper today than it was almost a decade ago. Naturally, investors want someone to blame....
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Q&A- Structures, debt recycling, and accessing super
Six listeners grapple with how the new tax landscape reshapes their thinking. Nick, six years into regular ETF investing, asks whether to keep his current setup or start fresh for cleaner record-keeping, and whether a trust is now worth considering mid-journey. Matthew and Michael both probe the...
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Ep 421: Liquidity: what it really buys you
Read Full Blog Here It's been fascinating to watch how differently asset classes have performed lately, share markets delivering strong double-digit returns while unlisted commercial property trusts and residential property in Melbourne and Sydney have struggled. But this episode isn't about…
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Q&A: Company land tax, debt recycling, and building versus selling
Six listeners bring some genuinely meaty questions. Sandy digs into the technical weeds of owning property through a company—whether a discretionary trust as sole shareholder forfeits the NSW land tax threshold, and how the 25% versus 30% company tax rate applies when a capital gain lands.…
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Eight Rules Revisited #8- The four risks that can derail a plan
Eight Rules Revisited is a companion series to Stuart Wemyss's updated book, Wealth by Design, working through each of the original eight golden rules from his 2018 book, Investopoly, one episode at a time. In each episode, Stuart tests his 2018 thinking against eight more years of evidence and...
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Ep 420: Can anything make property investing attractive again after the tax changes
Read Full Blog Here With the negative gearing and CGT changes now law, the property industry is racing to devise workarounds to keep investor interest alive. As a genuinely independent, asset-class-agnostic firm with no bias toward property, Stuart puts six of the most likely strategies under the...
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Q&A: Deploying $800k, structuring for the future, and what to spend on a car
Four listeners at pivotal moments. "John," 55 and five years cancer-free, has $800k from selling an investment property and a detailed plan for a downsizer contribution, an experiences fund, helping both daughters into homes and one big question: will his super comfortably fund $100k a year in...
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Eight Rules Revisited #7- Own property that everyone will always want
Rule 7 in Investopoly was direct: only invest in investment-grade property. Eight years on, the core of that still holds, but Stuart has sharpened the method and genuinely changed his mind about one part of it. In this episode, he explains why Wealth by Design reframes the rule from "invest in...
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Ep 419: The best super fund for 2026? You’re asking the wrong question
You can download the full report, including the four decision flowcharts and annual review checklist, here: https://prosolution.com.au/best-super-fund-australia/ Most people choose a super fund by looking at which fund produced the highest return last year. But that is the wrong question. The...
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Q&A - Property at 49, timing the cycle, and investing through an AI downturn
Three thoughtful listeners, each already doing a lot right and looking for the sharpest next move. A 49-year-old single police officer, no mortgage, $810k in super, a growing ETF portfolio, asks the perennial question: buy an investment property, keep doing what's working, or borrow to invest...
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Eight Rules Revisited #6- The ETF boom broke my rule, do I tightened it
Pre-order Wealth by Design Here Golden Rule 6 was simple: invest in the share market using low-cost index funds. Eight years on, that argument has been comprehensively won, arguably too well. Stuart charts the scale of the shift: the ASX ETF market has ballooned from 133 funds to more than 450…
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Ep 418: Why discipline was never going to fix your cash flow
Read Full Blog Here Pre-order Wealth by Design Here You can't build wealth unless you spend less than you earn and invest the difference, which makes cash flow the most fundamental discipline of all. The trouble was always effort. For years, Stuart's method was to hand-categorise three months of...
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Q&A - Property crossroads, gearing decisions and modelling for inflation
Pre-order Wealth by Design Here Five listeners at very different life stages, each wrestling with where to direct capital next. Perth couple "Amelia and Ivan," with two investment properties and a baby on the way, weigh three distinct strategies: hold and sell later to fund a renovation, swap a...
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Eight Rules Revisited #5: The rule i got half wrong
Pre-order Wealth by Design Here This one is different. Of all the rules in the series, Rule 5 is the first where Stuart admits he has genuinely changed his mind, not refined a nuance, but rethought the core idea. In Investopoly, he taught the textbook approach: blend negatively correlated assets…
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Ep 417: Upgrade your home or invest in shares? The numbers surprised me.
Read Full Blog Here Pre-order Wealth by Design Here For decades, negative gearing tipped the scales toward borrowing for an investment property over spending more on your home; investment interest was deductible, home loan interest wasn't. But with negative gearing quarantined and the effective...
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Q&A- Can I afford to retire, renovating vs investing, and planning solo
Pre-order Wealth by Design Here Three richly detailed listener situations, three very different crossroads. First, Charles, 51, unemployed, four kids in private school, and a sprawling portfolio spanning a Singapore apartment, an SMSF, regional Queensland property, land parcels and a $500k crypto...
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Eight Rules Revisited #4: The perpetual portfolio- growing your wealth while you spend it
Pre-order Wealth by Design Here In this episode, Stuart revisits Golden Rule 4 and admits that half of it has changed. In Investopoly, the advice was to build your asset base, then tilt toward income as retirement approached. Wealth by Design confirms the first half but overturns the second.…
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Ep 416: Is established residential property still worth investing in?
Read Full Blog Here Pre-order Wealth by Design Here With the government's changes to established residential property now looking likely to become law, the investment case has fundamentally shifted, and those who try to ignore it will be exposed. In this episode, we unpack why quarantining…
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Q&A- Debt recycling, the six-year rule, and exiting your financial planner
Pre-order Wealth by Design Here In this mailbag episode, we tackle five listener questions spanning some of the trickiest decisions in personal finance. A Brisbane couple in their mid-forties, with strong super balances and a plan to knock down and rebuild, ask whether to ease off super...
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Eight Rules Revisited #3: Build a savings engine that runs on autopilot
Pre-order Wealth By Design Here Episode three of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Investopoly with the updated versions in Wealth by Design, released 28 July. Rule 3 — spend less than you earn and invest the difference- is one of the most...
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Ep 415: Tax grabs dressed up as housing policy: what investors need to know
Read Full Blog Here Pre-order Wealth By Design Here Both Houses have passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. Royal Assent is pending but considered a formality. For investors, property owners, business owners, and superannuation members, the changes are substantial, and…
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Q&A: Inheritance, relationship uncertainty, and the property timing question
Pre-order Wealth By Design Here This episode brings together six listener questions that each involve a meaningful financial decision and, in several cases, significant personal uncertainty alongside significant financial capacity. The first comes from a couple in their late thirties who received…
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Eight Rules Revisited #2: Your freedom number has 3 levers
Pre-order Wealth by Design Here Episode two of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Stuart's 2018 book Investopoly with the updated versions in his new book, Wealth by Design, released on 28 July. Rule 2 states that you must know how much…
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Ep 414: The 4 decisions that determine 95% of your financial outcome
Read Full Blog Here Pre-order Wealth by Design Here Most people assume building wealth requires making hundreds of good financial decisions. In reality, a small number of choices do almost all of the heavy lifting, and this episode identifies exactly which ones. The first is the choice of…
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Q&A: Inheritance windfalls, home upgrades, and capital efficiency
Pre-order Wealth by Design Here This episode brings together four listener scenarios united by a common theme: significant financial capacity, but genuine uncertainty about which move to make next and in what order. The first comes from a Sydney couple earning $540k who feel house-poor despite...
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Eight Rules Revisited #1 - The risk nobody warns you about
Pre-order Wealth by Design Here This episode is the first in Eight Rules Revisited, a Thursday series running alongside the regular podcast. Each week, I take one of the eight golden rules from my 2018 book Investopoly and compare it with the version in my new book, Wealth by Design, out on 28...
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Ep 413 : What financial advisers really do with their own money
Read Full Blog Here Pre-order Wealth by Design Here Financial advisers often manage their own money quite differently from the clients they advise. After more than two decades of observing both groups up close, those differences have become a reliable indicator of what genuinely good financial...
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Q&A - Housing wealth in retirement, super timing, and the 20-year plan
Pre-order Wealth by Design Here This episode brings together four listener questions united by a common challenge: knowing which lever to pull next when the financial position is solid but the path forward feels unclear. The first comes from a retiree who connected with a recent episode on...
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Ep 412: Beware: Commercial property values look stretched
Read Full Blog Here Pre- Order Wealth By Design Here Commercial property is being actively promoted as a compelling alternative to residential investment, particularly as higher interest rates reduce borrowing capacity and tighter tenancy laws make residential property less attractive. On the...
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Q&A - Listener scenarios unpacked: Perth timing, seven properties and no shares, and a retirement direction check
Pre-Order Wealth by Design Here This episode brings together three listener scenarios that each involve genuinely complex financial positions, multiple moving parts, significant income, and decisions where getting the sequencing right matters enormously. The first comes from a 34-year-old...
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Ep 411: Should you invest all your super into an internally geared ETF
Pre-order Wealth by Design Here Read Full Blog Here Superannuation's enforced long investment horizon is one of the most underused structural advantages available to Australian investors. This blog examines whether internally geared ETFs have a role to play within super, and backs the analysis…
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Q&A - Property vs Shares: retirement sequencing, and the cash-waiting strategy
Pre-Order Wealth by Design Here This episode brings together four listener questions that each wrestle with a different dimension of long-term wealth building, from the early decisions that set the trajectory to the late-stage sequencing that determines how comfortably retirement unfolds. The…
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Ep 410: What Charlie Munger's investing checklist means for Australian investors
Pre-Order Wealth by Design Here Read Full Blog Here Charlie Munger left investors with ten principles that are deceptively simple and take a lifetime to apply well. This blog translates each one into practical, grounded guidance for Australian investors, moving beyond abstract philosophy to the...
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Q&A - Starting out, scaling up, and knowing when to sell
Pre-Order Wealth by Design Here This episode brings together five listener scenarios that span the full arc of wealth building, from a 24-year-old taking his first steps to couples approaching retirement with complex, multi-property portfolios and competing priorities. The first question comes…
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ABOUT THIS SHOW
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies.
You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to [email protected]
We also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.
HOSTED BY
Stuart Wemyss & Campbell Wallace
CATEGORIES
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Frequently Asked Questions
How many episodes does Investopoly have?
Investopoly currently has 583 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Investopoly about?
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights...
How often does Investopoly release new episodes?
Investopoly releases new episodes frequently with a large back catalog of 583 episodes. Check the episode list for recent publication dates.
Where can I listen to Investopoly?
You can listen to Investopoly on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Investopoly?
Investopoly is created and hosted by Stuart Wemyss & Campbell Wallace.
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