Market & Economic Analysis Archives - Negotia Group

I Grew Up Believing Australia Rewarded Effort

Jelane Dayao — Thu, 09 Jul 2026 04:25:05 +0000

Build carefully. Work hard. Take risks. Back yourself. Invest in something real. The idea was that if you put in the years and made sound decisions, the outcome would reflect that. It was not a guarantee, business never is, but the system, broadly, was on your side. Estate planners and wealth advisers are calling the […]

The post I Grew Up Believing Australia Rewarded Effort appeared first on Negotia Group.

CGT — Death Taxes by Another Name

Jelane Dayao — Thu, 04 Jun 2026 04:59:33 +0000

Estate planners and wealth advisers across Australia have started using a different name for the new Capital Gains Tax changes. Death taxes. It is a blunt label. But once you understand what is actually being proposed, particularly for family businesses and trust holders, it is not a difficult one to understand. The issue with trusts. […]

The post CGT — Death Taxes by Another Name appeared first on Negotia Group.

Business Owners – Send This to Your Mates

Jelane Dayao — Tue, 26 May 2026 01:02:48 +0000

I will keep this short. Because that is the point. If you sell your business after 1 July 2027 and you cannot demonstrate what it was worth before or on that date, you will very likely pay more tax than you need to. That is not a scare tactic. It is the mechanics of the […]

The post Business Owners – Send This to Your Mates appeared first on Negotia Group.

Capitalism After the Crisis: A Framework That Failed the Test of Reality

Jelane Dayao — Tue, 19 May 2026 03:05:56 +0000

Jim Chalmers’ 2023 essay was written immediately after delivering his first Federal Budget and was presented as a new economic manifesto for Australia, a “values-based capitalism” built upon co-investment, market redesign, wellbeing frameworks and expanded public purpose. But by 2026, two projects alone stand as irrefutable evidence that this was not a durable economic framework. […]

The post Capitalism After the Crisis: A Framework That Failed the Test of Reality appeared first on Negotia Group.

AI and the Vanishing Firm

Jelane Dayao — Thu, 30 Apr 2026 02:06:42 +0000

When staff side-hustle your intellectual property into the cloud, your competitive advantage quietly disappears. Let me describe a scene that is almost certainly happening in your business right now, today, whilst you are reading this. A member of your team has a task to complete. Perhaps they are drafting a proposal, summarising a client file, […]

The post AI and the Vanishing Firm appeared first on Negotia Group.

From Innovation to Infringement: Can AI‑Built ‘Proprietary’ Tools Actually be Someone Else’s Asset?

Jelane Dayao — Thu, 23 Apr 2026 03:08:57 +0000

AI has given many Australian business owners a tempting story: “We have built our own proprietary tool.” The test is whether that tool would survive due diligence, or whether part of it quietly belongs to someone else. The uncomfortable question: What do you actually own? Over the past two years, disputes over training data, open‑source […]

The post From Innovation to Infringement: Can AI‑Built ‘Proprietary’ Tools Actually be Someone Else’s Asset? appeared first on Negotia Group.

The AI Valuation Paradox – Strategic Asset or Unanticipated Liability?

Jelane Dayao — Thu, 09 Apr 2026 23:58:19 +0000

The Premise In the current scramble for “Digital Transformation”, small and medium enterprises (SMEs) are integrating Artificial Intelligence at a pace that may be outstripping their limited governance. At Negotia Group, we are beginning to see a divide in how these tools can impact business value. Is AI a Strategic Asset that raises a business […]

The post The AI Valuation Paradox – Strategic Asset or Unanticipated Liability? appeared first on Negotia Group.

Technology, AI, and the SME: How Digital Transformation Raises (or Lowers) Your Business Value in 2025

Jelane Dayao — Thu, 20 Nov 2025 04:23:45 +0000

There is no shortage of people willing to speculate on artificial intelligence (AI) and the impacts on small to medium enterprises. Multiple industry workshops I have attended have echoed most peoples biggest fear; someone always asks, “Is AI going to take all our jobs?” It is a phrase shrouded in self-interest and apprehension, yet the […]

The post Technology, AI, and the SME: How Digital Transformation Raises (or Lowers) Your Business Value in 2025 appeared first on Negotia Group.

Setting Price in a Recession: Three Important Decisions

Jelane Dayao — Thu, 28 Aug 2025 01:22:09 +0000

Every business owner confronts the same dilemma during uncertain economic times: how do we increase prices when the market is exhibiting the same fear, uncertainty, and doubt that we feel as costs continue to climb relentlessly? The conventional wisdom suggests freezing prices during a recession is the safe option, perhaps even reducing them to maintain […]

The post Setting Price in a Recession: Three Important Decisions appeared first on Negotia Group.

Navigating Uncertainty: How Tariff Changes Impact Risk Premiums and SME Value in Australia

Jelane Dayao — Thu, 29 May 2025 01:19:51 +0000

Building upon last week’s discussion of Aswath Damodaran’s insights into the valuation challenges posed by recent tariff shocks, we now turn our attention to the broader implications for Australian small and medium-sized enterprises (SMEs). In today’s volatile global trade environment, tariff changes have become a persistent concern for small and medium-sized enterprises (SMEs) in Australia. […]

The post Navigating Uncertainty: How Tariff Changes Impact Risk Premiums and SME Value in Australia appeared first on Negotia Group.