Q&A: How to use inheritance, buying into a business, how to invest cash in SMSF, when to get advice and more...

In this Q&A episode, Stuart explores how to make strategic decisions with lump sums, whether they come from inheritances, business opportunities, or property sales. He offers guidance to William, who’s weighing how best to use a $750,000 inheritance to build long-term wealth while balancing homeownership and market timing. Sarah, currently on maternity leave, wants to optimise the $130,000 proceeds from a property sale—whether to pay down debt, invest in shares, or consider another investment property—all while managing cash flow and long-term goals.

Stuart also answers Meteor Girl’s question on choosing between buying into a business or investing in property, offering a practical framework to assess risk, return, and control. For Ron, he discusses investing cash within an SMSF—specifically whether to stay in offset or shift into capital-growth-focused ETFs, and how to approach investing during market highs.

He also speaks to Kazza, who wants to transition from being equity-rich but cash flow poor to a perpetual income-focused portfolio. Stuart breaks down a potential pathway to generating $180K/year in passive income, using ETFs and a phased exit from property.

If you’re managing large sums of money or rethinking your portfolio for the next phase of life, this episode is packed with frameworks, real-world examples, and practical advice. Tune in now for smart, considered strategies to guide your financial decisions.

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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.