Investopoly Podcast Por Stuart Wemyss & Campbell Wallace arte de portada

Investopoly

Investopoly

De: Stuart Wemyss & Campbell Wallace
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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 questions@investopoly.com.au

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.

© 2026 Investopoly
Economía Finanzas Personales Gestión y Liderazgo Liderazgo
Episodios
  • Q&A - When your dream home conflicts with your wealth plan
    Mar 23 2026

    In this episode, Stuart unpacks a complex and relatable dilemma: what happens when your long-term wealth strategy collides with a major lifestyle goal.

    A Sydney-based investor with a substantial property portfolio is aiming to retire at 60 with a high passive income. Still, a recent PPOR upgrade and plans for an $800k–$1M knockdown rebuild have put that goal under pressure. With borrowing capacity already stretched and income likely to fall, the question becomes clear: is it possible to fund the build without selling assets, or is compromise unavoidable?

    Stuart explores the trade-offs between holding investment-grade property for long-term compounding versus freeing up capital to fund lifestyle decisions today. He also discusses the realities of serviceability constraints, the risks of overextending, and why sometimes even strong portfolios require strategic simplification.

    The episode also touches on broader themes, including how to optimise concessional super contributions in retirement, how risk tolerance should evolve as wealth grows, and a fascinating case study involving a farmer weighing up a $11M lump sum versus long-term income from a solar lease.

    A thoughtful discussion on balancing ambition, lifestyle, and financial reality when not everything can be optimised at once.

    My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book

    Do you have a question for the podcast? Email us at questions@investopoly.com.au.

    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: http://www.investopoly.com.au/email

    Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/

    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.

    Más Menos
    32 m
  • Ep 400: CGT discount changes: what property investors should do now
    Mar 17 2026

    Read Full Blog Here

    Register Here

    In this episode, Stuart breaks down the growing political debate around capital gains tax (CGT) and what potential changes could mean for Australian property investors.

    Following a Senate committee review, policymakers are now discussing the possibility of reducing the CGT discount and even limiting negative gearing to a small number of properties. Stuart examines the claims behind these proposals, including whether investor tax incentives are really responsible for rising house prices, and why housing supply remains the dominant driver of affordability.

    He then walks through modelling that compares three potential CGT systems: the current 50% discount, a reduced 33% discount, and the original inflation indexation model used when CGT was first introduced. Using a 30-year property investment example, Stuart shows how reducing the discount would affect after-tax returns, internal rate of return (IRR), and the overall profit investors might expect from a leveraged property strategy.

    The episode also explores how these tax changes could alter the investment landscape. If property tax advantages are reduced, borrowing to invest in shares, particularly tax-efficient global equity portfolios, may become comparatively more attractive.

    Finally, Stuart discusses lessons from the UK, where investor-focused tax reforms reduced landlord participation and tightened rental supply, contributing to rising rents.

    My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book

    Do you have a question for the podcast? Email us at questions@investopoly.com.au.

    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: http://www.investopoly.com.au/email

    Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/

    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.

    Más Menos
    35 m
  • Q&A - Preparing for retirement: prioritising debt reduction, super contributions, and liquidity
    Mar 16 2026

    Register Here

    In this Q&A episode, Stuart tackles three complex retirement planning scenarios involving superannuation strategy, debt reduction, and financial independence.

    First, a Melbourne couple in their 50s asks whether surplus cash should be prioritised toward their large PPOR mortgage offset or contributed to their SMSF. With significant property exposure and relatively low super balances, Stuart explores how to think about the trade-off between liquidity, tax efficiency, and retirement readiness.

    Next, a Sydney couple in their late 40s wonder if it’s still possible to pay off their home loan and retire within 15 years. Stuart examines whether buying an investment property for growth ahead of the Brisbane Olympics is a sensible strategy, or whether a more conservative path, boosting concessional super contributions while paying down their mortgage, may provide a stronger outcome.

    Finally, a FIRE-oriented listener asks how to bridge the gap between early retirement and super preservation age when most wealth already sits inside super. Stuart discusses withdrawal rates, sequence-of-returns risk, and how to determine the appropriate level of investments required outside super.

    A thoughtful episode on balancing flexibility, tax efficiency, and risk when planning for retirement across different life stages.

    My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book

    Do you have a question for the podcast? Email us at questions@investopoly.com.au.

    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: http://www.investopoly.com.au/email

    Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/

    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.

    Más Menos
    36 m
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