Initial 'New Investor' Steps 
Patient understanding and sound knowledge conveyed from investment manager to client underpins good relationships, and above all, chance is never an acceptable alternative for intelligent choice.

The daily lives of each of us, whether in the private or public sectors, working or retired, born here or immigrant, share the bounty Australia delivers.

Regulatory compliance promotes confidence in our financial system and is expensive—but it surely beats the alternative. This short essay throws light on what, who and how.