The Australian’s Money Cafe is running a four part summer special ‘ReStart’ edition, where each week James Kirby is joined by financial advisor James Gerrard covering all you need to know to be introduced – or reintroduced – to investing. This week they discuss what a balanced portfolio is, and if you should have one, what the right tax structure is for your investing, how to cut your tax bill selling an investment after 12 months, and if you should borrow to invest.