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 416: Is established residential property still worth investing in?
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With the government's changes to established residential property now looking likely to become law, the investment case has fundamentally shifted, and those who try to ignore it will be exposed. In this episode, we unpack why quarantining negative gearing losses hits investors so hard: the asset costs materially more to hold each year, yet capital growth potential hasn't budged. We walk through the numbers, showing how an investment-grade property's after-tax internal rate of return could fall from around 11% to just 8.4% a return you might match through superannuation, minus the debt, concentration risk and hassle.
We also explore "livevesting", channelling your capacity into a better-quality home that compounds tax-free, and explain why Melbourne may now offer compelling relative value. Along the way, we sound a warning on the "obvious alternatives": commercial property and new-build packages that are often overpriced, structurally inferior, or both.
Finally, drawing on the 1980s Hawke-Keating reversal and New Zealand's recent backflip, we ask whether these changes will even last—and why the smartest move now is preserving optionality rather than reacting. Tax matters, but a good investment must still stand on its own merits.
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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