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Investopoly

Investopoly

De : Stuart Wemyss & Campbell Wallace
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Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies.

You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.au

We also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.

© 2026 Investopoly Direction Economie Finances privées Management et direction
Épisodes
  • Ep 431: How much life insurance do you need: And when to cut it

    Ep 431: How much life insurance do you need: And when to cut it
    Oct 20 2026

    Read Full Blog Here

    Have full cover while you’re young and it’s cheap, then cut it back as your assets grow. Income protection matters most, trauma the least.

    In this episode I explain how we calculate life, TPD and income protection cover, and why the final step is weighing the premium against what that money could earn if you invested it instead. I also cover:

    • Why we always use stepped premiums rather than level premiums
    • Why life and TPD belong inside super and income protection outside it
    • Choosing waiting periods and policy definitions for income protection
    • When to review your cover, and why yearly reviews can lull you into keeping too much

    The insurance calculator worksheet is free to download from the new resource site at investopoly.com.au.

    00:00 Introduction and the new Investopoly resource site
    03:57 Insurance as a necessary evil
    04:58 Why most advice recommends too much cover
    05:55 The four types: life, TPD, income protection and trauma
    08:36 TPD insurance: own occupation vs any occupation
    10:22 The tension between paying for cover and investing
    11:19 Cutting cover back as your asset base grows
    13:34 How your insurance needs change across life stages
    15:21 Stepped vs level premiums
    18:21 How to calculate life and TPD cover
    20:42 Weighing affordability against cost
    22:33 How much income protection you need
    23:26 How premiums and benefits are taxed
    25:33 Where to hold life and TPD cover
    26:50 Income protection waiting periods
    27:55 Policy quality and the three-tier definition
    29:01 Why thorough underwriting is worth the hassle
    30:06 Trauma insurance: the most optional cover
    32:24 When to review your insurance
    34:34 Next week: bonds

    Related episodes:

    • How much you need to retire (October 2026). Referenced at 00:18, and the cut-back-as-assets-grow argument relies on the same are-you-on-track thinking.
    • The super report episode (July 2026). Related because it covers choosing a super fund, and this episode covers which funds have competitively priced life and TPD cover inside super.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    36 min
  • Q&A - ETF portfolio construction at 28: is 8.4% too low?

    Q&A - ETF portfolio construction at 28: is 8.4% too low?
    Oct 19 2026
    An 8.4% return isn’t the problem; what drove it is. I’d struggle to justify active funds and a 0.76% fee over a diversified ETF.In this listener Q&A, I explain how to judge short-term returns, why active fund outperformance rarely lasts, and why Jack probably doesn’t need to pay an adviser to run around $420,000 across super and his trust. I’d keep his family trust and gradually move his direct shares across when the price suits. I’d also keep his property as an investment under the six-year rule and switch the loan to interest-only. Max asks if he can wind down at 44 with about $5.4 million invested. Spending around $180,000 a year is roughly 3.3% of that, so the bigger job is putting his cash to work. Tom is retiring in his early 60s with property inside and outside his SMSF. I’d lean towards keeping the SMSF property for the pension phase, selling one or two personal properties, and investing for growth rather than income. Josh asks whether a family trust still makes sense after the budget and how fast to deploy $450,000 of borrowing capacity. My answer is still the trust, with a bucket company added later, and a steady monthly amount that steps up if markets fall.00:35 Jack: Is 8.4% too low for a 28-year-old? 02:43 Why active fund outperformance rarely persists 03:38 What drove the return matters more than the number 07:52 Why value-aware portfolios can lag early on 08:50 Wrap platforms, EX20 and Australian shares at 28 10:05 Do you need an adviser for $420,000? 11:40 Shares in your own name and keeping the family trust 12:59 Rent or buy? Using the six-year rule 15:02 Switching the investment loan to interest-only 15:34 Max: winding down at 44 with $5.4 million 16:53 The missing number: how much you spend 17:27 Earning 6.5% after tax, and trimming gold 17:47 Putting $900,000 of cash to work 19:10 Tom: moving from work into retirement 20:47 Get as much as you can into super 21:29 Why property needs a flexible exit plan 22:27 Keeping SMSF property for pension phase 23:23 Selling one or two properties and investing for growth 24:19 Why I’d be careful with VHY 25:52 Josh: family trust and bucket company after the budget 27:37 The rollover election and the minimum 30% tax 28:18 Lump sum vs drip-feeding $450,000 30:00 Kids’ money: family trust over investment bonds 30:57 Coming up: how much insurance you needRelated episodes: Ep 430: Is financial advice worth it? What rules can’t fix. https://investopoly.buzzsprout.com/2005600/episodes/19923707-ep-430-is-financial-advice-worth-it-what-rules-can-t-fixEp 427: How to assess whether property and share markets are attractively priced https://investopoly.buzzsprout.com/2005600/episodes/19832497-ep-427-how-to-assess-whether-property-and-share-markets-are-attractively-pricedQ&A - Untangling a messy structure, cutting losses, and low-income investing https://investopoly.buzzsprout.com/2005600/episodes/19720854-q-a-untangling-a-messy-structure-cutting-losses-and-low-income-investingEp 429: How much do you need to retire & are you on track? Work it out here. https://investopoly.buzzsprout.com/2005600/episodes/19893951-ep-429-how-much-do-you-need-to-retire-are-you-on-track-work-it-out-hereQ&A - Deploying an inheritance, selling an average property, and funding a long retirement https://investopoly.buzzsprout.com/2005600/episodes/19832494-q-a-deploying-an-inheritance-selling-an-average-property-and-funding-a-long-retirementEp 403: Lump sum share market investing: risky or rational https://investopoly.buzzsprout.com/2005600/episodes/18951456-ep-403-lump-sum-share-market-investing-risky-or-rationalEp 425: Family trust investing: Are trusts still worth it under proposed tax changes? https://investopoly.buzzsprout.com/2005600/episodes/19764156-ep-425-family-trust-investing-are-trusts-still-worth-it-under-proposed-tax-changesRead Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654XRun your own business? Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereGot a question for the podcast?Email us at questions@investopoly.com.auSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    33 min
  • Ep 430: Is financial advice worth it? What rules can't fix.

    Ep 430: Is financial advice worth it? What rules can't fix.
    Oct 13 2026

    Read Full Blog Here

    Russell says advice adds 5.5% a year and Vanguard says 3%. A disciplined, rules-based approach captures much of that, but not all of it. I think these reports overstate things by assuming that without an adviser you'll panic, chase returns and keep changing strategy. In this episode I split the mistakes the reports cite into two groups: the ones a rules-based framework prevents, like concentrated portfolios, cash drag and return chasing, and the ones it can't, like ownership structures, how to allocate surplus cash flow, and super contribution strategy. I also cover why knowing the rules isn't the same as following them, the March 2020 test of your own discipline, and the portfolio size at which advice pays for itself.

    00:00 The "advisor fee: $0" bill that prompted this episode
    00:55 Revisiting episode 319 and the Russell and Vanguard reports
    01:51 Why I'm sceptical of these estimates
    02:31 What if you already follow a rules-based framework?
    03:23 Breaking down Russell's 5.5%
    04:53 Vanguard's Adviser's Alpha framework
    06:07 The wealth equation and where mistakes cost real money
    07:25 Separating the mistakes rules can and can't prevent
    07:46 Portfolio design mistakes a rules-based approach fixes
    10:20 Complexity and knowledge gaps rules can't fix
    12:34 When the numbers make advice worthwhile
    13:18 Why knowing what to do isn't enough
    16:15 The best days in the market and why indexing works
    17:48 The acid test: what did you do in March and April 2020?
    20:19 Economies of scale: when advice pays for itself
    22:12 Choosing an adviser as a decision that moves the dial
    22:59 Using someone you trust as a sounding board
    23:52 Summing up
    25:26 Next week: how much insurance you actually need

    Related episodes:

    • Episode 319 (2024): my earlier look at the value of financial advice, focused on portfolio size and complexity. Referenced at 00:55 and again at 20:19.
    • Episode 414: the handful of life decisions that really move the dial. Referenced at 22:12.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
    Afficher plus Afficher moins
    27 min
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