Rephonic
Artwork for Investopoly
Superannuation
Property Investment
Capital Gains Tax
Investment Properties
Retirement Planning
Investment Strategies
Investment Strategy
Melbourne
Financial Planning
Negative Gearing
Australia
Investment Property
Wealth Building
Brisbane
Self-Managed Super Fund
Debt Management
Family Trusts
Etfs
Capital Growth
Property

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 episode... more

PublishesDailyEpisodes591Founded9 years ago
Number of ListenersCategories
InvestingBusinessEntrepreneurship

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Artwork for Investopoly

Latest Episodes

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I wouldn’t sell your Australian shares, but I’d put most new money into global shares. The ASX is concentrated, expensive, and slow-growing. The ASX 200 returned a solid 9.4% a year over the past decade, but that came mostly from... more

YouTube

Moving into a rentvested property no longer dilutes your CGT because of the 1 July 2027 deemed disposal. I’d keep one property CGT-free.

In this listener Q&A, I explain why Daniel’s plan to move into one of his rentvested properties won’t work under... more

YouTube

Read Full Blog Here

10-year bonds near 5.2% look good, but I’d rather use subordinated debt ETFs. They pay about 1% more with almost no interest rate risk. A listener asked whether it’s time to lock in long-dated fixed-rate bonds now that yields are... more

YouTube

A bucket company doesn’t change my allocation: I’d still favour global shares. Rebalance with new money and dividends, not by selling.

Campbell here, filling in for Stuart. Simon has $2 million in a bucket company and too much in Australian shares. ... more

YouTube

Key Facts

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Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Anna Rosch
Listener with PAYG role seeking advice on family trust, super, and wealth-building strategies
Listener
Episode: Q&A - Buy the dream home or optimise the structure? Leveraging smartly in your late 30s and 40s

Hosts

Stuart Wemyss
Host of Investopoly; tax adviser, financial adviser, and mortgage broker.
Campbell Wallace
Co-host mentioned as co-host; senior financial adviser.

Reviews

4.9 out of 5 stars from 940 ratings
  • Oh the hypocrisy…

    Quite vague and full of jargon so not really for the new investor…. But also had a bit of a chuckle at the hypocrisy in your recent episode going through the investing checklist - you say there’s no place for arrogance in investing but then go on to say the recent tax changes won’t happen or will be reversed! When they really should never have been in place in the first place and have destroyed our housing system!

    This pod is a hard listen as it’s so monotonous.

    Apple Podcasts
    3
    devia8
    Australia5 months ago
  • Evidence Based Wealth Insights

    Clear, practical, and grounded. A great listen for anyone serious about building long-term wealth without the hype.

    Apple Podcasts
    5
    ‘Tosin
    Australia6 months ago
  • Best podcast

    My favourite Australian podcast .Absolutely honest and knowledgeable podcast about wealth creation and management in Australia. Well done Stuart and team👍

    Apple Podcasts
    5
    Brave55555
    Australia7 months ago
  • Highly recommend

    Stuart and Campbell take a detailed and evidence based approach to a broad range of financial topics. They are generous, transparent and insightful in their comments on case studies. And it’s all pretty easy to get your head around. Thanks to both of you

    Apple Podcasts
    5
    Scott R Australia
    Australia7 months ago
  • Offset P&I PPOR or IO Investment Prop

    Hi Stuart. Love the show and analysis of concepts beyond the usual podcast basics.

    I have several investment properties on IO and a PPOR on P&I.

    I go round and round the benefits of offsetting my investment loans vs offsetting PPOR loan - which I could do in full. I like having cash available, hence I’m against paying PPOR off.

    My monthly cashflow stays the same if I offset PPOR loan but improves significantly if I offset IO investments. But of course I pay tax on Investment income. PPOR ... more

    Apple Podcasts
    5
    Sleepless in Salamander
    Australia8 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners praise evidence-based, easy-to-digest coverage of tax and investing concepts.
Clear, practical and grounded wealth guidance with a transparent approach.
Many comment on the host duo's balanced, thorough analysis and useful case studies.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Q&A - ETF portfolio construction at 28: is 8.4% too low?
Q: Is he on track, and the big number that I'm missing, Max, is how much do you want to spend?
Stuart says Max's estimated $5.4 million in investment assets appears sufficient if annual spending is around $180,000, but the spending figure is crucial. He recommends putting substantial cash to work, reviewing gold exposure and aiming for a portfolio capable of earning about 6.5% after tax.
Q&A - ETF portfolio construction at 28: is 8.4% too low?
Q: Do you like this asset allocation and choices? Could I be doing better? If so, what are the options?
Stuart says to assess the sources of the 8.4% return rather than judge the number alone, and is skeptical of the active funds and their fees. He would consider a diversified ETF approach, retain the family trust, avoid transferring existing shares if doing so triggers capital gains tax, and keep the investment property while considering an interest-only loan.
Q&A - Debt recycling when you sell your home: keep the deduction
Q: Is it better to offset an investment property loan or put surplus money in a high-interest savings account?
For someone paying the highest marginal tax rate, the offset usually wins because savings interest and the reduced investment-loan deduction are both taxable at the same rate. If a spouse has little or no taxable income, holding savings in that spouse's name may deliver a better after-tax return. Weems also says not to pay investment debt down to zero.
Q&A - Debt recycling when you sell your home: keep the deduction
Q: Is it true that using a home loan to debt recycle into shares becomes problematic if you sell your home and buy another home?
Weems says the investment loan can generally be retained by substituting security, either with a term deposit while the listener is between homes or with the replacement home through simultaneous settlement. He advises arranging this with a mortgage broker and a lender that permits it.
Q&A - Untangling a messy structure, cutting losses, and low-income investing
Q: Second question regarding a NSW property downsizing dilemma involving a high-value family home and potential tax implications of changing ownership or splitting ownership via a company or trust.
The host analyzes various ownership structures and their tax consequences, highlighting land-rich rules, stamp duty, and capital gains tax. The recommended approach is to avoid risky ownership restructures unless intending to hold long-term, consider family trust strategies to manage estate issues, and focus on a practical plan that minimizes taxes while preserving flexibility, with a preference for not selling in a down market unless necessary.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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Gender Skew
Location
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Frequently Asked Questions About Investopoly

What is Investopoly about and what kind of topics does it cover?

The show combines practical wealth-building guidance with a disciplined, evidence-based approach to personal finance, investing, and property in Australia. Host duo centers episodes on long-term planning, tax-efficient strategies, and real-world case studies, with frequent Q&A that tackles listener scenarios—from inheritance and property decisions to super contributions and gearing. Standout elements include a clear framework for asset allocation, a willingness to critique common myths, and regular references to frameworks from the author's book, Wealth by Design, and related AI tools. This mix is likely to appeal to ambitious investors seeking structured guidance, especially those balancing property with ETFs, super, and tax considerations... more

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How many episodes of Investopoly are there?

Investopoly launched 9 years ago and published 591 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Investopoly?

Recent guests on Investopoly include:

1. Anna Rosch

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