2016 Share Market Volatility

Given the volatility of investment markets all around the world since the beginning of 2016, a larger weighting towards defensive assets is a good thing...





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Doctor’s income

In the 2013 financial year the government introduced Division 293; it’s effectively a tax on high income earners as it requires you to pay an...





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Portfolio & Performance Artistry

This discussion aims to illuminate portfolio composition costs, the transparency of investment portfolios and how it can affect the performance of investments. The chart below illustrates...





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Negative Gearing

Is it something you should consider? Negative gearing (Gearing) is when your investment expenses exceed the income generated off those investments; this includes property, shares...





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Self Employed vs Employee

The predominant difference between a contractor and employee is the eligibility for tax deductibility. As an employee, you will only be able to deduct expenditure(s)...





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Tax Resident / Non-Residents

One of the basics of taxation involves whether you are a resident or non-resident of Australia for tax purposes. Different rules and taxation rates apply...





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Income or Capital Gains

In Australia, income is typically classified as either ordinary or capital income. There are considered to be three components of Ordinary income: Income from personal...





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Investment Specialty

Agility and Harmony The ability to adapt, be flexible and integrated is key. Investment recommendations are backed up via thoughtful research, strategy and analysis of all...





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Financial Analysis

The following financial modelling charts illustrate examples of actual results obtained [in the first year] from the provision of our advice for a Doctor aged...





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Managing Uncertainty

Risk Management (Personal Insurance) The discussion of risk management is in the context of personal risk mitigation or protection of your income and assets via...





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Investment Philosophy

During the Global Financial Crisis (GFC), we experienced an extraordinary event never seen in most lifetimes – since the 1929 Stock Market crash and ensuing...





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