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Falling Interest Rates and Your Investments
The Reserve Bank of Australia (RBA) reduced the official cash rate by 0.25% last month, with the intent of jumpstarting Australia’s economy. With the official cash rate now at a record low of just 1%, it’s important to consider the implications for investors.
Why Your Business is Your Most Important Asset
If you own a business, then it should…
Negative Gearing and Shares
A common misconception with negative gearing is that it can only be used for property. False. Negative gearing can be used for any asset where some or all the purchase price is borrowed.
Top 8 Insights From The 2019 SMSF Benchmark Report
Self-managed super funds often come into consideration during financial planning, particularly for high-income earners. Here’s a quick run down of the top 8 insights from the 2019 SMSF Benchmark Report released by Class in March this year.
Positive Gearing into Property
Positive gearing lets you make a profit on your investment from day one. Provided there is no capital loss, this can be a great way to make money. Problem is: everyone else has thought of that, too. Positive gearing a decent property investment is hard.
Opportunity Cost
There are two ways to think about the price of anything. The first is the number of dollars it would cost to purchase that thing. The second is to think about what else we could spend our money on. This is called ‘opportunity cost’ and it is always worth remembering when you make a purchase.
Guide to Preparing a Medical Practice Business Plan
This Guide to Preparing a Medical Practice Business Plan has been developed to assist both doctors and practice managers understand the potential of their practices. It contains numerous practical tips and advice and identifies the main issues connected to planning and successfully running the practice. It has been identified as an area where practice managers and doctors alike have a keen interest, and a lot of important information is contained in the guide.
What is a SMSF?
Superannuation, or ‘super’ as it is more often known, is a cornerstone of most people’s personal financial management. Learn more about self managed super funds within this comprehensive article.
Independent Financial Advisers in Australia – Canstar
Canstar claims to be Australia’s biggest financial comparison site, with extensive information related to banking, insurance, investments and superannuation, business products and more. So it goes without saying that when a list of trusted Independent Financial Advisers in Australia is released by Canstar, we would hope to be included.
5 Considerations Before Investing in an Index Fund
Index funds are a form of managed fund, but they are very different from the others. For reasons discussed within this article, the name ‘managed’ fund might be a misnomer.
Labor’s proposed changes to negative gearing and CGT discount
Labor has announced that if they are ushered into Government at the next federal election, they will (amongst other things) stop negative gearing
10 Principles of Investing
We stand by our ten principles of investing, and they have been our investment philosophy for more than a decade.
The Essential Numbers For Setting Up A Medical Practice
Setting up a new medical practice requires considerable planning, time, and often financial investment. It is critical to plan ahead, not just on the physical aspects of the medical practice such as the location, building fit out and personnel, but also the administrative aspects.
Video – Industry Super Funds are Good
Why choose industry super funds? This video introduces industry super funds, the life insurance they offer, investment options and more.
The Different Structures Available For Your Medical Practice
The structure of practices can vary significantly according to needs. Each structure has different advantages and disadvantages covering the level of autonomy, risk, responsibility and cost.
Single Touch Payroll Will Change The Way You Report Your Tax and Super
Single Touch Payroll (STP) is a new way for employers to report tax and super information to the ATO. It starts from 1 July 2019 for employers with 19 or less employees.
Setting up a Medical Practice: Should You Practice Solo or in a Group?
Practitioners need to decide whether to practice with other doctors or on their own. Choosing to work with other co-owners could have numerous benefits, however they are very minimal if the co-owners of a practice do not work together or more importantly do not completely trust each other as business partners.
5 Things to Consider before Hiring for your Medical Practice
Staff are easy to hire but not so easy to fire. Therefore, much thought should go into your practice before another staff member is hired. Staff salaries are usually responsible for a large percentage of your expenses. Here’s a list of alternatives we recommend you consider before hiring.
Single Touch Payroll – Will You Be Ready for 1 July 2019?
Single Touch Payroll (STP) is the new streamlined system for the ATO to receive payroll and superannuation data from employers. Those employing less than 20 staff will need to comply from 1 July 2019.
Investing in the Next 100 Years
Successful investors know successful investing occurs over decades and across generations. With the height, stability and longevity of a doctor’s income comes the opportunity to plan for the next generation.
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