Stuart Wemyss 
After the resounding win at the federal election in May 2025, Prime Minister Anthony Albanese and Treasurer Jim Chalmers have been determined to pass changes to the taxation of large super funds in Australia, known as the “$3 million super cap” or more technically Division 296. Whilst we have been monitoring the developments this year and thinking ahead, ultimately, we have been advising our …
If you are a PAYG employee, you probably feel like you are paying more than your fair share of tax, and you are not wrong! The system is not built in your favour. One of the most common questions we get from PAYG earners is: “What can I do to legally reduce the amount of tax I pay?” This blog answers that question. Why is the …
If you have been looking at property price data from the past five years, be careful. This period has been shaped by a perfect storm of unique, one-off factors, and it does not necessarily reflect the long-term fundamentals that drive sustainable growth. My concern is that some investors may rely on this recent data and …
Investors cannot control market returns – they will be what they will be. What they can control is when, in which asset class, and how they invest. This is what we call portfolio construction, and it is arguably the most important decision an investor can make. Get it right, and you are on track to …
Momentum is a share market factor strategy that involves investing in stocks that have exhibited strong price growth over the past 12 months. On the surface, it sounds logical – buy stocks that have been performing well. However, as with many ideas that appear compelling in theory, the reality is more nuanced. Momentum investing often …
I came across this chart on X recently, comparing house price growth with money supply over the past decade in the USA. The idea is: when there’s more money circulating in the economy, it can push property prices higher because housing stock is relatively fixed. In short, supply of houses simply can’t keep up with …
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 …
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