Investopoly

In this episode, Stuart dives into listener questions covering a wide array of financial topics, from optimising the use of offset accounts versus SMSF loans to debt recycling as a tax-efficient strategy. He shares insights on how to allocate surplus funds, particularly in scenarios where SMSF loans carry higher interest rates than traditional investment loans.Stuart also explores the complexities of consolidating superannuation accounts to reduce fees, particularly for retirees, and discusses the trade-offs between active financial advisers and industry super funds. Listeners curious about investment property decisions will benefit from a discussion on whether selling properties to pay off personal debts and improve borrowing capacity is a sound strategy.The episode tackles a thought-provoking debate on property versus shares within SMSFs, weighing long-term returns, diversification, and the impact of fees. Additionally, Stuart provides a high-level look at insurance strategies, offering guidance on determining appropriate coverage for families and retirees while balancing value for money.For those navigating tax implications in superannuation or contemplating asset reallocation, this episode offers practical advice and actionable insights tailored to the current financial climate. Don’t miss this informative discussion!DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Do you have questions? Email [email protected] If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional....

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Campbell tackles a common yet complex financial question: should you use your surplus cash flow to pay down debt or invest for the future? Starting with the goal of owning your home outright by retirement, Campbell explains why that’s a sensible priority. He then explores the less straightforward decision of managing tax-deductible debt tied to an income-producing asset, such as an investment property.By examining realistic scenarios, Campbell reveals how strategies like paying off debt, investing in shares or utilising tax-effective super contributions each impact your long-term position. He highlights the potential benefits of maintaining leverage for tax savings, demonstrates the power of compounding returns from growth assets, and discusses the importance of having a balanced mix of property and shares. Throughout, Campbell stresses the value of cash flow forecasting—ensuring your property and investments align with your retirement plans and liquidity needs.Whether you’re looking to maximise your financial efficiency, build a robust investment portfolio, or simply gain clarity on your best next move, this episode offers practical insights. Campbell’s guidance helps listeners navigate the trade-offs of debt reduction versus investment growth and chart a confident path toward a financially secure retirement.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Do you have questions? Email [email protected] If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional....

In this episode, Stuart addresses a variety of listener questions covering topics like helping family members plan for retirement, understanding the tax implications of superannuation options, and the intricacies of asset protection in personal and business relationships. He explores strategies to assist parents with low financial literacy, including structuring their business for tax savings and leveraging super contributions effectively.Stuart delves into the nuances of capital gains tax in superannuation, comparing pooled and non-pooled investment options, and their impact on long-term returns. He also tackles questions about active fund management versus index options, providing an evidence-based perspective on the viability of high-fee strategies.The episode includes a deep dive into asset protection for business owners, focusing on safeguarding assets against risks from personal and business relationships. Stuart also weighs in on the timeless debate between investing in property or shares, addressing tax implications, long-term returns, and the role of leverage in wealth creation.Whether you're navigating family financial support, fine-tuning your super strategy, or protecting your business assets, this episode offers valuable insights and actionable advice. Don’t miss this engaging discussion!DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Do you have questions? Email [email protected] If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional....

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Campbell delves into the often-overlooked liquidity challenges of holding property within a Self-Managed Super Fund (SMSF). While the tax-friendly environment of superannuation can make SMSF property ownership seem attractive, the reality is more complex. Campbell explains how borrowing restrictions, higher interest rates, and reduced negative gearing benefits can impact returns. He also highlights the pivotal issue of maintaining liquidity once you enter the pension phase, where minimum withdrawal requirements may outpace your property’s rental income.Through practical examples, Campbell illustrates why balancing your property investments with a substantial allocation of liquid assets—like shares, bonds, and cash—is essential. Doing so provides the flexibility to meet pension payments without being forced to sell your property under potentially unfavourable market conditions. He examines various scenarios showing how adjusting the share of property within an SMSF affects the timeframe you can comfortably hold onto it, allowing for greater potential growth and better timing for eventual sale.By understanding these liquidity traps and managing them proactively, listeners learn how to maintain true financial freedom in retirement. This episode is a must-listen for anyone considering property investments within their SMSF, aiming to maximise returns while retaining control and flexibility.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/Do you have questions? Email [email protected] If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)Click here to subscribe to Stuart's weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional....