Stuart Wemyss 
I have said before that there are only a handful of financial decisions that truly move the dial over a person’s lifetime. The reality is that if you get those decisions right, most of your financial outcomes will take care of themselves. That is why I originally wrote Investopoly and have now completely rewritten it as Wealth by Design. …
Often, financial advisers often manage their own money differently from the clients they advise. After more than two decades working with both advisers and investors, I thought it was worth sharing some of the patterns I have observed. Before doing so, I want to be clear about my intention. This is not intended to be a …
Over the past decade, and especially over the past five years, there has been a significant increase in the number of commercial buyer’s agents in Australia. Many are actively promoting the benefits of investing in commercial property. And with higher interest rates reducing borrowing capacity, more investors are being tempted to consider commercial property as …
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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