Independent Portfolio Audit 2026
You Spent a Decade Becoming a Doctor. We Spent Ours Making Sure It Was Worth It.
Medical professionals earn well. But between long hours, a late start to investing, and financial advisers who treat doctors as a high-income target rather than a human being — most don't end up with the wealth their career deserves.
Independent analysis by Atchison Consultants confirms 13 years of consistent outperformance across a $2.56 billion portfolio — built entirely for people like you.
13.32%
p.a. Total Returns to March 2026
11.11%
Capital Growth p.a. over 13 years
17.67%
Average Annual Return — Trading Portfolio
$2.5bn
in Property Managed for Medical Professionals
2,275
Properties Researched and Analysed
13 Years to March 2026
Annualised Total Returns
Source: PP/Atchison Consultants · Shares: SPDR STW · Listed Property: SPDR SLF · Fixed Interest: Vanguard VAF / Bloomberg AusBond · Residential & Commercial: CoreLogic / MSCI
What the Numbers Actually Mean for a Doctor
Your Income Is an Asset. Most Doctors Don't Use It That Way.
Doctors typically enter the workforce later than their peers, carry significant study debt, and spend their early career years focused on training rather than building wealth. By the time the income arrives, the window to invest is already narrower than it should be.
Over the 13 years to March 2026, our clients have achieved 13.32% per annum in total returns — compared to 9.68% in Australian shares and just 1.65% in fixed interest. Every percentage point of outperformance, compounded over a medical career, closes the gap that late entry created.
Why It Works
Why Doctors Outperform When They Work With Us
The financial decisions a doctor makes in their 30s and 40s will define their 60s. We've seen what happens when those decisions go well — and what happens when they don't.
The most common mistake isn't choosing the wrong property. It's spending too much on the family home early in the career, leaving nothing to invest. Or buying in the wrong market because a well-meaning colleague recommended it. Or simply never getting started because there was never enough time to think it through.
Our research team analyses thousands of properties across every major Australian market. Our Investment Committee makes decisions based on data, not relationships with developers. And our advisers work with doctors specifically — meaning they understand your tax position, your career stage, and the unique pressures of a medical income.
The Result
Trading Portfolio Returns
17.67% p.a.
Average annual return on assets acquired through our firm
Full Portfolio Performance
13.32% p.a.
Sustained across 13 years, zero negative annual return years
Portfolio Under Management
$2.56 billion
Independently verified by Atchison Consultants
Source: Atchison Consultants, Performance Property
Cumulative Total Returns
10 Years to March 2026
Capital growth of 11.11% per annum over 13 years isn't the result of chasing hot markets or taking outsized risk. It reflects a research process that has consistently identified the right markets, at the right time.
$1 million invested with Property for Doctors in 2016 would be worth approximately $2.6 million today — compared to $2.25 million in Australian shares. That $350,000 difference represents real, compounding wealth built quietly in the background.
Growth Trajectory
$1M Investment Growth: 10 Year Comparison
Source: Performance Property / Atchison Consultants · Indexed to $1M initial investment Jan 2016
What this means for doctors
The most valuable thing we give a medical professional isn't a property — it's certainty. Certainty that their money is working as hard as they are, that the decisions being made on their behalf are research-backed, and that they don't need to become a property expert to build serious wealth.
Impact of Corporate Governance
The Discipline Behind the Numbers
Medicine runs on rigour — clinical decisions backed by evidence, peer review, and established process. We apply the same standard to property.
Property for Doctors operates with dedicated Research and Investment Committees that govern every region we recommend and every asset type we consider. This isn't a formality — it's the structural discipline that separates consistent outperformance from lucky runs.
Trading Portfolio assets have delivered 17.67% p.a. The full client portfolio sits at 13.32% p.a. — sustained across a $2.56 billion portfolio with zero negative annual return years in 13 years.
What this means for doctors
You've seen what happens when clinical governance breaks down. The same principle applies to financial advice. Our governance structure means your portfolio decisions are never made on gut feel, developer relationships, or commission incentives — only research.
Our Commitment
Thirteen Years. Zero Negative Returns. One Focus.
Our entire business exists to serve one community — the people who spend their careers looking after everyone else. With 11.11% capital growth per annum over 13 years and an independently verified track record across 2,275 properties, the approach works.
That focus shapes everything from how we structure advice, to the markets we recommend, to the way we communicate with clients who have fifteen minutes between patients and no time for jargon.
0
Negative Annual Return Years
11.11%
Capital Growth p.a. (CAGR)
13yr
Independently Verified Track Record
Your career is your greatest asset. Our job is to make sure the wealth it generates lasts as long as you do.
At Property for Doctors, we build wealth for the people who build health.
Ready to Build Wealth That Matches Your Career?
Book a consultation to discuss how our research-driven approach can help you achieve your property investment goals.
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Methodology
Study Process
Property data was obtained from the manager, cleaned, and enhanced to ensure accuracy and completeness. Where information was unavailable, secondary data sources and industry-standard assumptions were used. Full data was derived for 1,500 properties, covering purchase prices, sale prices or current assessed values. Rental rates were captured at time of purchase and at the current date.
Data Assumptions
The analysis relied on information provided by the manager without independent verification. Where data gaps existed — including end-of-year market values or rental figures — variables were interpolated from available periods using accepted industry norms.
Performance Measurement
Returns were measured using Time-weighted Internal Rate of Return (IRR), Capital Value Change, and Standard Deviation. IRR was calculated by aggregating all property-level cashflows across acquisition, net rental income, and disposal over the full holding period.
Cashflow Assumptions
Analysis was conducted on a tax-neutral basis assuming full equity investment. Key assumptions: acquisition costs of 7.5% of purchase price; management fees, maintenance and taxes at 32.5% of gross rent; one-week annual vacancy; excludes CGT and depreciation benefits.
Benchmarks
Comparative benchmarks: Atchison Indices · Bloomberg Fixed Interest Indices · S&P/ASX Equity Indices
Portfolio Composition
Approximately 70% of properties were purchased from 2000 onwards, reflecting both residential market conditions and the firm's growth over that period.
Legal Notices
Disclaimer
This document has been prepared for general information and marketing purposes only and does not constitute financial, investment, or legal advice. Property for Doctors Advisory does not guarantee the accuracy, completeness, or currency of any information contained herein, and accepts no liability for any loss or damage arising from reliance on this material. This document has not been prepared with regard to the specific investment objectives, financial situation, or particular needs of any individual reader.
Risk Warning
Property investment involves risk. Past performance is not a reliable indicator of future results. The value of property investments and the income derived from them may rise or fall. When a property is sold, an investor may receive less than their original investment. No guarantee is made that any investment objective will be achieved.
Independent Analysis
Portfolio performance figures have been independently verified by Atchison Consultants. Methodology, data assumptions, and limitations are detailed in the appendix. Performance figures are calculated on a tax-neutral basis and exclude capital gains tax implications and depreciation benefits.