Stuart Wemyss 
From time to time, clients ask whether being classified as a “wholesale investor” unlocks better investment opportunities. It might sound impressive and exclusive but what does it actually mean in practice? Do very wealthy people have access to a lot better investments? What is a wholesale investor and what does it mean? A wholesale investor …
Borrowing capacity is usually an investor’s scarcest resource. Because it’s limited, it should be allocated with great care and consideration. The goal is to ensure every dollar of borrowing capacity is put to its highest and best use. One way to measure this, is by considering the return on borrowing capacity – a simple framework …
I have written before about estate planning – wills, powers of attorney, super, and the like (here in 2018 and here in 2020). That said, we keep getting the same questions on a few topics, so I thought it was worth taking a closer look at them. Beware of higher tax rates for children Minors …
Property managers play a very important role in looking after your valuable investment and helping you maximise its cash flow. However, there’s a world of difference between a great property manager and a poor one – it’s like comparing night and day. Have realistic expectations Being a property manager is a tough job. They are …
I define a property spruiker is someone who promotes or recommends property investments that are unlikely to achieve adequate returns, primarily to serve their own financial interests rather than the investor’s. As with most things, the nuance matters. Most professionals in the property industry are paid a commission when a property is purchased, so there’s …
While it’s not typically required by law, most financial products such as ETFs and managed funds report historical investment returns over 1, 3, 5, and 10 years, as well as since inception. This data is incredibly useful, as it allows investors to assess performance over the short, medium, and long term – all of which …
The Federal Treasurer, Jim Chalmers, has publicly acknowledged that both state and federal budgets are under unsustainable pressure. He’s been clear that achieving budget sustainability cannot be done without both raising taxes and cutting spending. Chalmers has also spoken about the need to reduce our reliance on income taxes. Australia absolutely needs tax reform – …
Investment markets are rarely in perfect balance. There’s almost always something that feels off – asset classes that look overvalued, others that are out of favour, some delivering above-average returns and others lagging behind. That’s what I would call a normal market. Markets are never fully rational all the time. That said, there are periods …
Since launching the Investopoly podcast back in 2018, it’s been a rewarding journey of testing conventional wisdom, learning, research, and discussion around wealth-building, investment strategies, and everything in between. To celebrate the growth and impact of the Investopoly podcast, we have pulled together the most popular blogs/episodes that have resonated with our audience over the …
After the end of each financial year, I review super returns across the top 8 industry super funds. This year, I have included Vanguard Super into the mix as it’s the most competitive retail super fund in term of fees and certainly challenges the industry funds. However, selecting the best fund is not just about …
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