In this comprehensive Q&A episode, Stuart answers a wide range of listener questions spanning early retirement, home loan strategy, asset allocation, and superannuation management. Brett, a low-income investor aiming to retire at 45 with $100–120K in passive income, shares his strategy of holding four investment properties and building a trust-based ETF portfolio. Stuart offers guidance on asset spread, ETF weighting, and tax efficiency. Travis outlines his Adelaide-based property and superannuation structure and asks whether to sell an underperforming investment property to fund a higher-quality principal residence. Stuart weighs the pros and cons.Doba, a new migrant to Australia, asks how best to manage $400K in cash, weighing super contributions, offset accounts, and ETF investment. Stuart lays out a cautious, staged approach. Marco, a 52-year-old business owner considering semi-retirement, wonders whether to sell his business and pay off the home loan. Stuart explores how to stress-test this plan for future income needs. Lastly, John is in a public sector super fund and questions whether to switch to Hostplus Choiceplus due to high fees, despite incurring tax on transfer. Stuart breaks down the fee vs. return trade-off and the long-term benefit of low-cost index investing. A valuable episode for investors at every life stage.Do you have a question? Email: <a href='mailto:questions@investopoly.com.au'>questions@investopoly.com.au</a> or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ 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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Q&A - Which ETFs to use, balancing super tax, fees and returns, parking money in offset and more

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