Prosolution Private Office

Is established property still worth investing in after the tax changes?

07/07/202606/07/2026 by Stuart Wemyss

It now appears likely that the proposed tax changes affecting established residential property will be enacted into law. Given this, I thought it was worthwhile revisiting whether investing in established residential property remains an attractive long-term investment option. The return problem: more cash in, but no higher capital growth Quarantining the negative gearing benefits associated with investing in established residential property materially reduces the attractiveness of investing …

Tax grabs dressed up as housing policy: what investors need to know

01/07/202629/06/2026 by Stuart Wemyss

Last Friday, both Houses passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. At the time of writing, the Bill has not yet received Royal Assent, so technically it is not law. However, Royal Assent is generally regarded as a mere formality. Importantly, the practical application of the new rules still depends on several key ministerial decisions that …

The 4 decisions that determine 95% of your financial outcome

22/06/2026 by 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. …

What financial advisers really do with their own money

15/06/2026 by Stuart Wemyss

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 …

Beware: Commercial property values look very stretched

10/06/202608/06/2026 by Stuart Wemyss

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 …

Should you invest your super into an internally geared ETF?

04/06/202601/06/2026 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 …

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