Stewart Financial

Stewart Financial Great accessible advice for all Australians. Information provided is not advice and general in nature!

Angus Stewart is one of Queensland's most astute and experienced Professional wealth management advisers with 10 years' experience in the market place.

Bargara cold nights apparently😇
29/05/2026

Bargara cold nights apparently😇

The Global X Battery Tech & Lithium ETF (ASX: ACDC) has delivered +111% over the past 12 months*, making it one of the s...
14/05/2026

The Global X Battery Tech & Lithium ETF (ASX: ACDC) has delivered +111% over the past 12 months*, making it one of the standout performers in the thematic ETF space.

Here's what's driving it:

🔋 Battery technology demand is accelerating — from EVs to grid-scale energy storage
⛏️ Lithium remains a critical input, with supply constraints and long-term structural tailwinds
🌏 The fund takes an unconstrained approach across the full lithium value chain — mining, refining, and battery production

Key fund stats (as at 8 May 2026):
📊 AUM: $874M+
📅 Inception: 30 August 2018
💰 Management fee: 0.69% p.a.
📈 1Y return: +111.4% | 3Y p.a.: +28.3% | Since inception p.a.: +21.7%*

As the world continues its shift to electrification, ACDC offers targeted exposure to the companies building the backbone of that transition.

🔗 Learn more: https://lnkd.in/g8ZDKetD

Debt Recycling when you have no savings: How $50K Could Grow to $400K+Debt recycling sounds complex, but the concept is ...
08/05/2026

Debt Recycling when you have no savings: How $50K Could Grow to $400K+

Debt recycling sounds complex, but the concept is simple: convert non-deductible debt (like your mortgage) into tax-deductible investment debt.

Here's a practical example 👇

The Setup

Equity borrowed: $50,000

Interest rate: 6% p.a.

Investment return: 11% p.a. (growth shares)

Timeframe: 20 years

The Numbers:

Value$50K invested at 11% for 20 years~$403,000Total interest paid (6% on $50K)~$60,000Net position~$343,000

And here's the kicker — that $60K in interest? It's tax-deductible against your income. At a 32.5% marginal rate, that's roughly $19,500 back in your pocket over 20 years.

Why it works

The 5% gap between your borrowing cost (6%) and investment return (11%) compounds in your favour year after year. Time does the heavy lifting.

⚠️ This strategy isn't for everyone. Markets don't return 11% every year — some years you'll be down while still paying interest. You need the cash flow to service the loan and the temperament to stay invested through volatility.

Get advice of course 🙃

With the Budget just around the corner, it's hard to ignore the noise from every buyers agent and real estate agent givi...
07/05/2026

With the Budget just around the corner, it's hard to ignore the noise from every buyers agent and real estate agent giving their 'expert' opinion on negative gearing and CGT reform.

Let's be honest about what's really going on here.

Ask a hairdresser if you need a haircut — the answer is always yes.

These are the same people whose business models depend on deals flowing through the market. The same people incentivised to keep prices moving upward. Their concern isn't for first home buyers or housing affordability — it's for their own pipeline.

The research tells a different story. Supply isn't the core problem. The issue is HOW property is held — as investment vehicles that lock out an entire generation of first home buyers.

This industry is built on smoke and mirrors, and it's well overdue for a serious clean-up.

Do your own research. Question who benefits from the advice you're receiving. And don't let vested interests shape your view on policy that affects every Australian.

The world owes $111 trillion. But not all debt is equal.Total national debt figures can be misleading. The real story is...
22/04/2026

The world owes $111 trillion. But not all debt is equal.

Total national debt figures can be misleading. The real story is debt per person — and when you look at it that way, some countries are in a far more precarious position than their headline numbers suggest.

Here's how a few countries compare:

🇺🇸 USA — $39 trillion total | ~$115,000 per person
🇦🇺 Australia — ~$1 trillion total | ~$37,000 per person
🇯🇵 Japan — $10.9 trillion total | ~$87,000 per person
🇮🇳 India — $3 trillion total | ~$504 per person
🇨🇳 China — $15 trillion total | ~$1,787 per person

Think about that for a second.

Every Australian effectively carries $37,000 of government debt on their back. Every American carries over $115,000. Meanwhile, every Indian carries just $504.

And the US debt is growing at roughly $532 every second.

So when does it become a real problem?

Most economists start raising flags when debt exceeds 100% of GDP — that's when interest payments start competing with essential services like healthcare, infrastructure and education. The US is already at 125% of GDP. Japan is at 230%.

Australia sits at around 35–44% of GDP — relatively manageable for now. But our debt is forecast to keep rising, and interest payments are increasing every year.

The question isn't just how much a country owes. It's how many people are sharing that burden. Australia really is quite high but compared to America we are light weights. Than look at Japan it has been in so much debt for so long and growth shows this.

10 days is all it takes to cut 30 years of returns in half.Hartford Funds ran the numbers on the S&P 500 over the past 3...
21/04/2026

10 days is all it takes to cut 30 years of returns in half.

Hartford Funds ran the numbers on the S&P 500 over the past 30 years:

📈 Stayed fully invested → ~8.4% average annual return
❌ Missed just the 10 best days → return cut roughly in half

Ten days. Out of more than 7,500.

Here's the kicker — those best days don't show up on a calendar. They can't be predicted. They tend to happen in the middle of bear markets and moments of peak fear, right when most people are tempted to pull their money out.

The investor who "waits for things to calm down" is often the one who misses everything.

Time in the market > timing the market.

It's one of the most powerful lessons in investing, and the data backs it up every single time.

Are you a stay-invested investor, or do you find yourself tempted to time the market? 👇

&P500

Over the next month I am going to share some insights for people who don't use AI much at all. To be honest I don't use ...
20/04/2026

Over the next month I am going to share some insights for people who don't use AI much at all. To be honest I don't use it that much really except to check things and maybe format documents do file notes from voice and some work flow. But it can be very useful if you put in the right prompts.

So for people that don have or use or cant be bothered I am going to share every day for the a month what you can do or learn or even something you can use and download.

To start with I have attached a budget calculator that AI generated in minutes with Claude and asked for help to show me how to post it so people could down load it. if you have trouble to send me a DM and will send it for you:)

Happy Budgeting with AI!!! (Link Below)

Why invest in an index fund or an active fund for that matter?A great example is Kerry Packer. If he had of invested his...
18/04/2026

Why invest in an index fund or an active fund for that matter?

A great example is Kerry Packer. If he had of invested his $100 million dollar inheritance instead of using it to buy risky assets and having to manufacture wealth through business, he would actually of been about $5 Billion dollars richer.

Now why do i say this? Well, I see so many people pumping these property syndicate schemes and wealth accelerator get rich quick ideas through property on the market to just the regular punter that has no idea. If you are already wealthy you really don't even need to take the risk.

Now yes, the above is skewed as we all can't just inherit a $100 million. So, the general person just like myself has to generate wealth and equity through taking some risk to get to a level where compounding can take its course. This can be done through your income, maybe flipping a few properties or starting and selling a small business.

But what I can say is once you get to $1 million in equity and wealth outside your personal property and maybe a investment property or holiday home you really don't need to do risky assets or property syndication. $1 million invested at 10% over 20 years will get you $6.7 million. So, you will be fine without having to take more risks.

Of course, there are people out there like the thrill of the challenge and love to start a business. Don't get me wrong you wont become a billionaire over 20 years, well unless you are Kerry Packer!!!

Two days of solid gain on the ASX is nearly back to where it fell. Just shows you only have to be invested a few days a ...
08/04/2026

Two days of solid gain on the ASX is nearly back to where it fell. Just shows you only have to be invested a few days a years to get all the gains. How do you pick which days you ask?

You don't, stay invested!!!

I would have to say Donald Trump is the worst president the untied states have had to endue. Last night the Dow was down...
28/03/2026

I would have to say Donald Trump is the worst president the untied states have had to endue. Last night the Dow was down nearly another 2%. No structual issues with markets or even valuation metrics. But all man made bye one man.

These are great times to buy the dips in the market for the long term. But if he keeps up this retoric there will be more dips to buy and a longer recovery.

Stay invested but buy the dips strategically over the next few months for the long term!!!!!

Address

16 Torquay Road
Pialba, QLD
4655

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Telephone

+61404716957

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