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 413 : What financial advisers really do with their own money
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Financial advisers often manage their own money quite differently from the clients they advise. After more than two decades of observing both groups up close, those differences have become a reliable indicator of what genuinely good financial decision-making looks like in practice.
In this episode, Stuart shares nine observations drawn from that experience. Most financial advisers hold their superannuation entirely in growth assets, understanding that short-term volatility inside super is largely irrelevant when the money cannot be accessed for decades. They welcome falling markets rather than fear them. They use debt deliberately, neither avoiding it entirely nor using it recklessly, and they invest consistently from surplus cash flow rather than waiting for the right moment that rarely arrives.
Their household finances follow a clear structural discipline: invest first, then spend what remains. They track their net worth regularly and understand what the numbers actually mean. They treat superannuation as a serious wealth-building vehicle from early in their careers, often choosing wrap platforms or SMSFs for the control and transparency they provide. And they largely ignore the daily noise of market movements, checking their own portfolios far less frequently than most people would expect.
Some of these patterns sit at odds with conventional industry practice. That tension is worth examining, both for investors choosing how to manage their own money and for those deciding whether their adviser truly practises what they preach.
Our most popular free guides:
Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.
My new book, Wealth by Design, is out now:
Buy online or in bookstores. The ebook is available now, audiobook coming soon.
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Important
This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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