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Investopoly
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.
Investopoly
Ep 365: Employee share schemes- How to use them to build personal wealth
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In this episode, Stuart explores how to build personal wealth through employee share schemes (ESS), breaking down everything from RSUs and stock options to tax-effective strategies like salary sacrifice. He explains how shares vest, when and how they’re taxed, and the implications of holding versus selling. Stuart also highlights the importance of managing concentration risk and making informed decisions based on valuations, market conditions, and long-term goals.
Listeners will learn the difference between tax-deferred and taxed-upfront schemes, how to take advantage of the $5,000 salary sacrifice limit without triggering fringe benefits tax, and how to tactically reduce tax liabilities through transfers or strategic selling. Stuart offers clear insights on trading through issuer-sponsored share registries and outlines practical scenarios for divesting or retaining employee shares.
The episode concludes with a detailed response to a listener planning a two-year overseas move. Stuart reviews their investment properties, managed funds, super, and future home upgrade goals, offering a framework for managing surplus cash flow abroad, timing a principal place of residence purchase, and balancing debt, investment, and long-term security. This episode is packed with expert financial planning advice tailored for modern professionals navigating employee entitlements, tax laws, and international transitions.
My new book out in mid-2026: To join the pre-order waitlist and get a bonus. More info go to: https://prosolution.com.au/book-preorder-bonus
Do you have a question for the podcast? Email us at questions@investopoly.com.au.
If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-services
If this episode resonated with you, please leave a rating on your favourite podcast platform.
Subscribe to my weekly blog: https://prosolution.com.au/stay-connected
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.
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