Investopoly

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 ownersh...

Read Full Blog Here To spend $120k a year from age 60, you need about $3m to never touch your capital, or $2.1m if you plan to run it down to zero by 90. Most super calculators can't tell you whether you're on track, because they ignore investments held outside super, especially geared property, and they don't handle retiring before 60. In this episode, I walk through a set of tables you can use to add up your super, ETFs, and investment property and see where you'll land. I also cover how to...

Read Full Blog Here Back in 2023, Stuart argued that inflation and rates could stay higher for longer than most expected, drawing on 50 years of history showing that once inflation tops 8%, it typically takes a decade or more to settle. That call has aged well: after cutting through 2025, the RBA has already hiked three times in 2026, and underlying inflation has climbed back to 3.6% in a second wave the Bank's own models failed to anticipate. But revisiting the research has sharpened his thi...

Read Full Blog Here Stuart calls his approach value-aware: buying high-quality assets when they're attractively priced. Quality decides whether something is worth owning; price decides when to invest and how much. In this episode, he explains why both matter: your return comes from two engines: growth in an asset's underlying value and the uplift (or drag) as its valuation mean-reverts toward trend. For property, the entry price is everything because it's lumpy, illiquid, and bought at a sing...

Read Full Blog Here Most investors think good investing means finding more things to say yes to: more opportunities, more asset classes, more products in the mix. Stuart argues the opposite: the people who build the most wealth over a lifetime have the discipline to say no, repeatedly, to almost everything that crosses their desk. Even the small urge to "switch up" your monthly ETF purchase, just because buying the same thing five times feels unsophisticated, quietly erodes result...

Eight Rules Revisited is a companion series to Stuart Wemyss's updated book, Wealth by Design, working through each of the original eight golden rules from his 2018 book, Investopoly, one episode at a time. In each episode, Stuart tests his 2018 thinking against eight more years of evidence and client experience, and is upfront about what has changed, what has simply sharpened, and what has held firm all along. In this final episode of the series, Stuart takes on risk management, the ru...

Four listeners at pivotal moments. "John," 55 and five years cancer-free, has $800k from selling an investment property and a detailed plan for a downsizer contribution, an experiences fund, helping both daughters into homes and one big question: will his super comfortably fund $100k a year in retirement? Stuart stress-tests the numbers and the strategy. "Chris," 44, lays out a layered plan involving an SMSF property, an investment property and a granny flat, and asks whether it's solid or wh...

You can download the full report, including the four decision flowcharts and annual review checklist, here: https://prosolution.com.au/best-super-fund-australia/ Most people choose a super fund by looking at which fund produced the highest return last year. But that is the wrong question. The better question is: which investment strategy and super structure is most likely to deliver the best after-fee, after-tax outcome over the next 20 to 40 years, given your circumstances? In this episode, ...