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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
Q&A - Structuring for smarter retirement: capital losses, property fatigue & the upgrade dilemma
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In this strategy-heavy Q&A episode, Stuart tackles sophisticated portfolio questions from high-income earners and mid-life investors recalibrating their next move. A key theme is structure when (and whether) to introduce a family trust, how to think about carried-forward capital losses, and whether tax optimisation today outweighs flexibility tomorrow.
For one couple with substantial capital loss carry-forwards, the discussion explores whether to deliberately realise gains to “use them up” or stay focused on optimal long-term asset allocation. Stuart also weighs in on when advice and trust structures meaningfully add value versus when they add cost and complexity.
Another listener considers transitioning from a property-heavy portfolio into ETFs over the next decade. Stuart unpacks how to diversify intelligently, manage risk sequencing in the final accumulation years, and avoid trying to time the market with lump-sum investments.
The episode also revisits the ever-present PPOR upgrade dilemma: is taking on new debt in your mid-40s worth it if early retirement is within reach? And for younger, debt-free families, does reintroducing leverage via investment property make sense, or is simplicity underrated?
A thoughtful episode on tax, temperament, and structuring wealth for optionality, not just returns.
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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