Stuart Wemyss 
I believe most people spend too much of their lives trying to reduce perceived financial risk. The opportunity cost of this approach is very high and puts lifestyle goals at risk. Too much focus on risk reduction Many people buy a home and then focus on repaying debt. They then upgrade their home and once …
I received a question from a reader asking what would make a superior investment. An apartment in a blue-chip location, or a house for the same price albeit not in a blue-chip suburb. Will houses always deliver better returns? In general, houses often prove to be superior investments, mainly due to their higher land value …
As we near the end of the financial year, it’s wise to reflect on how you can optimise your tax position for the 2023/24 financial year. Below, I’ve outlined the factors we typically consider when reviewing a client’s position. Firstly, estimate your tax position When undertaking tax planning, the initial step involves estimating your tax …
No one can control markets or guarantee investment returns. In a way, we are passengers on our investment journey. However, we do have full control when it comes to choosing where our funds are allocated – deciding on specific asset classes and investments. This strategic asset allocation is a critical decision, and I’d like to …
In November 2018, I hosted an investment briefing where I presented what I thought to be a compelling thesis on why the Brisbane property market was poised for significant growth. Brisbane’s median house price has since surged by an impressive average annual rate of 9.96% over the 5 years from 2019 to 2023. Consequently, the …
In 2017, Griffith University estimated Australians would pass on a staggering $3.5 trillion in wealth over the next two decades. It is estimated that around $10 billion is inherited every month in Australia, and the numbers are steadily increasing. Given these projections, it’s highly probable that many of you reading this blog will receive an …
Purchasing your first home is an important decision with far-reaching implications. You’ll be significantly better off financially if you make the right choice. However, if you mess it up and buy the wrong property, you could be worse off both financially and from a lifestyle perspective. Many parents have learnt a lot from their experiences, …
Borrowing to invest in property is a popular investment strategy in Australia. It’s often seen as less risky than borrowing to invest in shares. But we should not be so quick to discount the strategy of borrowing in the share market. If implemented correctly, it can be very effective. The power of gearing isn’t exclusive …
Over the past two decades, the average growth in the median house price across the top five capital cities has been 5.3% p.a. This rate is considerably lower than the preceding 20-year period from 1983 to 2003, during which median house prices grew by 8.7% p.a. This significant difference in growth rates has substantial implications …
In this video Stuart explains how he categorises expenses and how to manage your cash flow so that you can maximise your quality of life whilst also making sure that you will enjoy a comfortable retirement.
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