Stuart Wemyss, Author at Prosolution Private Office

Should you invest your super into an internally geared ETF?

01/06/2026 by Stuart Wemyss

Unlike most investments, superannuation’s legal structure forces Australians to adopt a very long investment time horizon. Whether you like it or not, you generally cannot access super until age 60. Investors should use that structural advantage where appropriate, including considering whether gearing has a role to play within their superannuation strategy. The maths behind gearing can be compelling, particularly over multi-decade …

What Charlie Munger’s investing checklist means for Australian investors

25/05/2026 by Stuart Wemyss

Warren Buffett’s business partner, Charlie Munger had a guiding philosophy on checklists: “No wise pilot, no matter how great his talent and experience, fails to use his checklist.” Investing is no different. A good checklist removes the need for daily judgement calls, takes emotion out of the equation, and replaces gut feel with process. That is the same …

Super contribution strategies to consider before 30 June 2026

14/05/2026 by Stuart Wemyss

As we approach the end of the financial year, now is a good time to revisit your superannuation contributions before the window closes in the weeks prior to 30 June. Super is a long game, but most of the levers you can pull are pulled inside a tight 12-month window, and several of them are use-it-or-lose-it. Below is a …

Our preliminary response to the 2026 Federal Budget

15/05/202613/05/2026 by Stuart Wemyss

On Thursday, 14 May, we recorded a live YouTube presentation summarising how the proposed tax changes may affect investors, what options may be available, and our current advice. Click here to watch the presentation. Part A: Our view of the tax changes in the budget The main political rhetoric supporting this budget is intergenerational fairness …

2026 Federal Budget: Big tax changes, but do not panic yet

13/05/202612/05/2026 by Stuart Wemyss

Treasurer Jim Chalmers handed down the 2026-27 Federal Budget last night and boy, this is a whopper! The Government has announced a fundamental restructuring of capital gains tax, negative gearing, and the taxation of discretionary trusts, alongside a permanent extension of the $20,000 instant asset write-off, modest personal income tax cuts, and a phased wind-back …

The investors who obsess over tax often miss what matters more

05/05/2026 by Stuart Wemyss

Paying tax is psychologically painful. Loss aversion means we experience losses about twice as strongly as equivalent gains, and this effect is amplified when we pay expenses. Governments are widely seen as wasteful with public money, and that perception is largely justified. Virtually every taxpayer shares the view that too much of what they contribute is squandered. No one enjoys handing it over. But …

The policy risk most property investors are ignoring

28/04/2026 by Stuart Wemyss

Australian property investors need to accept that policy risk has increased substantially, and that this is a permanent shift. Tighter tenancy laws and higher taxes erode returns, and the only way to offset that is to pursue higher returns through a more proactive investment approach. Melbourne’s 15-year property reality check According to Cotality’s Daily Price Index, which began just …

How we construct an ETF portfolio: Quality first, then price

21/04/2026 by Stuart Wemyss

There are two sensible ways to build an ETF portfolio. The first is to use a diversified ETF such as VDAL or DHHF. The second is to construct your own portfolio using several ETFs. Both can work. The right choice depends on two things: how much money you are investing, and whether you have the knowledge, temperament, and discipline to build a …

How to deal with investment concentration risk

12/04/2026 by Stuart Wemyss

Concentration risk is something every investor needs to be mindful of. It can materially increase the overall risk of a portfolio and potentially undermine future returns. As retirement draws closer, the focus should arguably shift towards lowering portfolio risk, while still positioning investments to deliver strong long-term returns. What is concentration risk? Portfolio concentration occurs when too much of …

Investing a lump sum into shares: risky or rational?

06/04/2026 by Stuart Wemyss

For most investors, putting a large sum into the share market all at once feels risky, even reckless. That is why many prefer to drip-feed money into the market over time. But is that caution reducing risk, or simply creating a different kind of cost? My view on this has changed When investing large sums into share markets, I have generally preferred to …

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