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Private specialist
Things worth knowing as a private specialist.
General information only. Nothing on this page is saved.
Now
Tax and the set-aside
Private and locum income usually has nothing withheld. The tax page splits that from the hospital wage.
Super caps, Division 293, Division 296
Personal concessional contributions are claimed as a deduction. The caps and the two extra taxes are separate.
Rooms
A room to rent or buy is a listing, not a yield. The holding-cost sketch is separate.
Soon
MBS
A fee is the published schedule fee, not what a fund pays, and not a quote.
Debt recycling
Interest on a home is not deductible. Interest on money borrowed to invest might be. The page does not tell you to redraw.
Investing outside super
A mix of indexes, with fees, over a chosen number of years. Not a portfolio.
Often missed
Inheritance checklist
Super does not follow the will unless the fund form says so.
Capital gains
Current law still uses the discount for an individual who held the asset more than 12 months.
Indemnity premium
A quote is between you and the insurer. This site does not price a policy.
Coming soon
A rough figure — not advice. Terms
Advertisement — labelled, never inside the number.