Financial Strategy

mediqfinancial - Investment Properties for Doctors

What Property Investors Should Know About Negative Gearing

Posted in Financial Strategy,18th December 2017

Property investing offers an alternative to the volatility of the stock market, and for high-income earners like medical doctors, it’s an attractive investment option. Along with the tax advantages of negative gearing, property holds the potential for high capital growth. If you’re thinking about investing in property, read on to find out more about the

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Is a Self-Managed Super Fund Right for Doctors?

Posted in Investments & SMSF,27th February 2017

The idea of managing your own super through a self-managed super fund (SMSF), appears to be a popular one in Australia, with over one million Aussies opting to secure their retirement nest egg in a SMSF, with total assets of $621.7 billion. However, SMSFs can be complex to manage and maintain. For medical professionals seeking

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Year Starter Financial Tips for Doctors

Posted in Financial Strategy,16th January 2014

Welcome to 2014! The start of a new year is often seen as a chance to start afresh.  For 2014, why not start a resolution to stop rushing things and completing them a few days before the deadline and start planning ahead.  Having a proper financial plan helps you to ensure that your financial future

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How Can Doctors Maximise Their Super?

Posted in Investments & SMSF,31st August 2013

Whilst employers including hospitals and medical clinics are required to pay a proportion of an employee’s salaries and wages into a superannuation fund, medical practitioners are encouraged to put aside additional contributions to their respective superannuation fund. The goal of superannuation is to accumulate money to provide you with an income in retirement. To achieve

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Doctor’s Guide to Borrowing via an SMSF to Invest

Posted in Investments & SMSF,30th April 2013

As Self Managed Superannuation Funds (SMSF) become more popular the demand for more investment opportunities within that structure increases. Changes now mean that as long as strict conditions continue to be met, your SMSF can now borrow to invest, thus further bolstering retirement savings. How does it work? Borrowing for investment within superannuation depends on

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Financial planning for Doctors – More than just Advice

Posted in Accounting & Taxation,04th March 2013

Financial planners are often the first port of call for doctors that are seeking advice on investing a lump sum of money. However, that is just the tip of the iceberg. A professional medical financial adviser has the knowledge and skills to help you achieve your goals and objectives by tailoring strategies to specifically address

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Asset Protection for Doctors

Posted in Financial Strategy,16th September 2012

For the Medical professional there are a few key items that must be addressed when looking at the legal structure for their medical business and their personal wealth creation. These can be summarised as firstly, “How do I minimise my tax?” and secondly, “How do I best protect the wealth I have now and in

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Medical Wealth – Portfolio Approach

Posted in Financial Strategy,05th September 2012

Further research has emerged to support the MEDIQ investment philosophy that asset allocation – rather than stock or manager selection – is the primary driver of investment performance. Further to this the research suggests that actively trying to time the market also falls short of a long term hold strategy.  The old adage ‘Time in

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Investment Update for Doctors – Fixed Income

Posted in Investments & SMSF,20th July 2012

In an environment of reducing interest rates there comes a point when a decision needs to be made about the ‘fixed income’ element of a portfolio. Over the last several years term deposits have provided a simple and reasonably attractive return for investors, and have become a Fixed Interest element to a portfolio. However the

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Salary Sacrifice and Salary Packaging for Doctors – time to review

Posted in Financial Strategy,29th June 2012

The most important day of the financial calendar is all but past us and a new financial year is nearly upon us. For many doctors this time comes and goes with no contact from their advice team; no pro-active phone calls to see what extra benefits – big and small – can be squeezed out

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