Is it worth buying an investment property first, before buying an owner-occupied home? That’s a question a lot of medical professionals ask Ricky Caldow, associate director at leading financial services organisation the Bongiorno Group. Rick discusses some of the many things to consider with 1Group Property Advisory Director, Julian Muldoon. For instance, whether you buy a home as an investment or to live in, you need to understand the different tax implications.

The Money Doctors Is proudly brought to you by leading financial services organisation the Bongiorno Group – the preferred choice for medical and dental professionals. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/

This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

Is it worth buying an investment property first, before buying an owner-occupied home? That’s a question a lot of medical professionals ask Ricky Caldow, associate director at leading financial services organisation the Bongiorno Group. Rick discusses some of the many things to consider with 1Group Property Advisory Director, Julian Muldoon. For instance, whether you buy a home as an investment or to live in, you need to understand the different tax implications.
The Money Doctors Is proudly brought to you by leading financial services organisation the Bongiorno Group – the preferred choice for medical and dental professionals. 
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a> 
This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.

This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.

The general advice in this series has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.
This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.
The general advice in this series has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

The Money Doctors

The Money Doctors offers conversations on financial wealth and money matters for Australian medical and dental professionals. 

This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group. 

The general advice in this series has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

The Money Doctors offers conversations on financial wealth and money matters for Australian medical and dental professionals. 
This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group. 
The general advice in this series has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

Owner-occupied vs investment

Efforts to prevent, treat and ultimately cure cancer rely not only on clinical excellence, but also on sustained investment in research. Tour de Cure, an Australian charity dedicated to funding cancer research, prevention and support programs, has raised more than $150 million and helped deliver hundreds of research breakthroughs across the country. 

Sports broadcaster and former Sunrise team member Mark Beretta reflects on his long association with the charity and the impact it has had on patients, families and researchers. A board member for more than a decade, Beretta shares the story behind Tour de Cure’s growth from a small cycling initiative into one of Australia’s most significant contributors to cancer research funding. 

Paul Fox, Director of the Bongiorno Group, joins Mark as they explore the human, financial and societal impact of cancer, the importance of prevention and research, and how individuals and organisations can contribute to the mission. 

To participate or learn more about Tour de Force: https://tourdecure.com.au 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. 

Efforts to prevent, treat and ultimately cure cancer rely not only on clinical excellence, but also on sustained investment in research. Tour de Cure, an Australian charity dedicated to funding cancer research, prevention and support programs, has raised more than $150 million and helped deliver hundreds of research breakthroughs across the country.&nbsp;
Sports broadcaster and former Sunrise team member Mark Beretta reflects on his long association with the charity and the impact it has had on patients, families and researchers. A board member for more than a decade, Beretta shares the story behind Tour de Cure&rsquo;s growth from a small cycling initiative into one of Australia&rsquo;s most significant contributors to cancer research funding.&nbsp;
Paul Fox, Director of the Bongiorno Group, joins Mark as they explore the human, financial and societal impact of cancer, the importance of prevention and research, and how individuals and organisations can contribute to the mission.&nbsp;
To participate or learn more about Tour de Force: <a href="https://tourdecure.com.au">https://tourdecure.com.au</a>&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a> &nbsp;
This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.&nbsp;

Riding for a Cure: Mark Beretta on Tour de Cure’s Cancer Mission

An unwelcome surprise can arrive at tax time, particularly for doctors whose income has increased during the year. The Medicare Levy Surcharge can catch trainees and junior doctors by surprise when they exceed the threshold through overtime and penalty rates. 

The Bongiorno Group’s Nicolas Pereira and Chantelle Turner clarify when the surcharge applies, how it is calculated, and the role of appropriate hospital cover, providing practical guidance for doctors at every stage of their career. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. 

An unwelcome surprise can arrive at tax time, particularly for doctors whose income has increased during the year. The Medicare Levy Surcharge can catch trainees and junior doctors by surprise when they exceed the threshold through overtime and penalty rates.&nbsp;
The Bongiorno Group&rsquo;s Nicolas Pereira and Chantelle Turner clarify when the surcharge applies, how it is calculated, and the role of appropriate hospital cover, providing practical guidance for doctors at every stage of their career.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;&nbsp;
This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.&nbsp;

Medicare Levy Surcharge: The Sting in Your Tax Return

Soon, employers will be expected to pay superannuation to their employees at the same time as wages. This change, known as Payday Super, becomes mandatory from 1 July 2026 and represents a once-in-a-generation reform to the superannuation system. The reform has major implications for practice owners and employers, particularly those running weekly or fortnightly payrolls, as late payments attract SG charges, interest, and loss of tax deductibility. The Bongiorno Group’s Ricky Caldow and Chantelle Turner discuss the changes and what you should be aware of between now at July. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. 

Soon, employers will be expected to pay superannuation to their employees at the same time as wages. This change, known as Payday Super, becomes mandatory from 1 July 2026 and represents a once-in-a-generation reform to the superannuation system. The reform has major implications for practice owners and employers, particularly those running weekly or fortnightly payrolls, as late payments attract SG charges, interest, and loss of tax deductibility. The Bongiorno Group&rsquo;s Ricky Caldow and Chantelle Turner discuss the changes and what you should be aware of between now at July.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. &nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a> &nbsp;
This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.&nbsp;

Owner-occupied vs investment

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