Generated by All in One SEO Pro v5.0.0.1, this is an llms.txt file, used by LLMs to index the site.

# Capstone

## Sitemaps

- [XML Sitemap](https://www.capstonefp.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [News](https://www.capstonefp.com.au/news/)
- [3 million super tax explained](https://www.capstonefp.com.au/news/3-million-super-tax-explained/) - What's actually changing and who it affects Known to some as the ‘$3 million super tax’, new legislation effective from 1 July 2026 will add an extra 15% tax on earnings attributable to the part of a member's Total Super Balance (TSB) above$3 million, plus a further 10% (totalling 25% extra) on the portion attributable
- [Avoiding income tax bracket creep](https://www.capstonefp.com.au/news/avoiding-income-tax-bracket-creep/) - You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax bracket, even though your pay increase may only be in line with inflation. This is known as ‘bracket creep’ and the combination of inflation and a
- [How to read and understand your super statement](https://www.capstonefp.com.au/news/how-to-read-and-understand-your-super-statement/) - Your super may be one of the biggest assets you'll ever own – and for most of your working life, it works away in the background to grow your retirement savings. Annual statements represent a moment in time each year when every super fund provides their members with a complete picture of how their money
- [Inflation vs your savings](https://www.capstonefp.com.au/news/inflation-vs-your-savings/) - Inflation is a slow force working against your financial goals. It can quietly erode the purchasing power of your money over time. While it’s tempting to see cash as a safe haven, failing to factor in inflation could mean your savings are worth less when you need them most. So, let’s dive into the showdown
- [Investing for income](https://www.capstonefp.com.au/news/investing-for-income/) - Share markets are renowned for taking unexpected downturns and while history shows that markets eventually recover, this rebound in value can occasionally take time. Investors concerned about this risk might consider a stronger focus on income generating investments. These can range from those that have no potential to lose capital value to ones with a
- [The explosion of the Australian credit market](https://www.capstonefp.com.au/news/the-explosion-of-the-australian-credit-market/) - A reshaping of Australia’s financial landscape is underway, driven in large part by the Australian Prudential Regulation Authority’s (APRA) 2024 mandate to phase out bank hybrids by 2032. For decades, hybrids have been a cornerstone of Private Wealth client’s investment portfolios, offering a combination of yield, accessibility and franking benefits. As this market winds down,
- [What is an investment platform?](https://www.capstonefp.com.au/news/what-is-an-investment-platform/) - You may have heard of investment platforms (or master trusts or wrap accounts, which are two types of investment platforms). An investment platform is an administrative system for your investments. Platforms offer a range of investments and services, all in the one place. They consolidate reporting, transactions, tax information and portfolio management into a single
- [Economic update August 2026](https://www.capstonefp.com.au/news/economic-update-august-2026/) - Market developments during July 2026 included: Market Summary Global share markets softened in July as weakness in US technology shares weighed on investor sentiment, while Australian shares outperformed after lagging many overseas markets in recent months. Renewed geopolitical tensions and higher oil prices added to inflation concerns, pushing government bond yields higher and reducing the
- [Tips for staying safe online](https://www.capstonefp.com.au/news/tips-for-staying-safe-online/) - Investment Scams Investment opportunities that seem too good to be true, probably are. If you’re approached via unsolicited emails or calls from an investment company or financial adviser, it’s crucial that you complete some checks before you hand over any personal details. Check if the financial organisation is registered with ASIC on the MoneySmart website.
- [Super fund fees explained](https://www.capstonefp.com.au/news/super-fund-fees-explained/) - What are super fund fees? Super fund fees are the costs charged to manage your account and the investments your money is held in. They can cover running your account, managing investment options, processing transactions and providing services like insurance or advice. Some fees are deducted directly from your balance, while others are taken out
- [Navigating redundancy – make it work for you](https://www.capstonefp.com.au/news/navigating-redundancy-make-it-work-for-you/) - Even though redundancies are often part of business, being told your role has become redundant can still leave you feeling blindsided. If it happens towards the end of your career it can really throw plans into disarray if you’d hoped and expected to keep working longer. The key is not to panic. Some people discover
- [Understanding the rules and obligations of an SMSF](https://www.capstonefp.com.au/news/understanding-the-rules-and-obligations-of-an-smsf/) - While there are benefits in establishing an SMSF, running your own fund is complex and there are many things you have to consider, including: your investment strategy – setting it and sticking to it the administration of your fund – completing all the paperwork correctly and on time compliance with super and other laws –
- [What is the right fee for client advice?](https://www.capstonefp.com.au/practice-perfect/what-is-the-right-fee-for-client-advice/) - From an adviser business owner’s perspective, it is clear that your advice pricing and the fees clients pay for your advice and service, largely determine your overall success and profitability. Where pricing can go wrong Dan S. Kennedy and Jason Marrs identify several common pricing pitfalls in their book, No B.S. Price Strategy, including: Pricing
- [Establish your Board of Advice](https://www.capstonefp.com.au/practice-perfect/establish-your-board-of-advice/) - The world of financial advice has never been busier and it is more important than ever before for Principals to take ‘time out’ of their business to focus on their role as a business owner. With business practices, technology and compliance requirements evolving so rapidly, it’s increasingly difficult to be the subject matter expert in
- [The economy: learn the basics in 5 minutes](https://www.capstonefp.com.au/news/the-economy-learn-the-basics-in-5-minutes/) - Not economically savvy? Not to worry, this short guide will help you learn the basics on the economy and improve your financial know how. 1. What is the ASX? ASX stands for Australian Securities Exchange (not stock exchange like many people think). How does it work? The ASX provides a market for people to buy
- [Average super balance by age in Australia](https://www.capstonefp.com.au/news/average-super-balance-by-age-in-australia/) - Your super balance is one of the strongest signals of how your financial future is shaping up. It’s also one of the first things Australians compare. So it’s no surprise the big question keeps coming up: is my super on track for my age? This guide answers that question with the figures that matter, combining
- [The value of good financial advice](https://www.capstonefp.com.au/news/the-value-of-good-financial-advice/) - When it comes to financial advice, everyone is different. Some people want to do it all themselves, only needing help at crucial times such as when they’re changing jobs, retiring or making a large investment. Others want confirmation on the decisions they’ve already made. Or they may want a financial mentor who can help them
- [Taking control of your finances post divorce](https://www.capstonefp.com.au/news/taking-control-of-your-finances-post-divorce/) - Marriage breakdown can be highly traumatic and brings a whole new set of issues when it happens later in life. As well as the emotional challenges, there are practical issues to tackle, not least your finances. It’s all the more reason to get organised – a little bit of planning could help you take control
- [Capstone Financial Planning joins the PictureWealth Group](https://www.capstonefp.com.au/corporate-news/capstone-financial-planning-joins-the-picturewealth-group/) - (Left to right): Allan Maitland (PictureWealth CEO), David Pettit (PictureWealth Founder), Grant O'Riley (Capstone Managing Director). PictureWealth, the Australian FinTech wealth advice company, today announced that Capstone Financial Planning, a major national AFSL licensee with over $13.5 billion in funds under advice, is joining the PictureWealth Group. The combination takes the PictureWealth Group to approximately
- [Dreaming of early retirement?](https://www.capstonefp.com.au/news/dreaming-of-early-retirement/) - Many Australians today expect to be working well after they would like to retire, new research from Colonial First State shows¹. On average, Australians would like to retire at 62 years of age, according to the study, which tracks how Australians think and behave when it comes to retirement. But most believe 66 is a
- [Romance scams – signs an online relationship could be a scam](https://www.capstonefp.com.au/news/romance-scams-signs-an-online-relationship-could-be-a-scam/) - Romance scammers build emotional trust by seeming attentive and expressing intense feelings but money requests follow, often disguised as financial emergencies, travel costs or investment opportunities. Romance scams a top three source of losses Australians lost almost $140 million to romance scams in Australia in 2025, according to the National Anti‑Scam Centre’s (NASC) latest Targeting
- [Developing a retirement savings plan](https://www.capstonefp.com.au/news/developing-a-retirement-savings-plan/) - While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future. Here’s how to get started today, to enjoy an even more rewarding tomorrow. How am I tracking to live the life I want in retirement? There’s no magic number when it comes
- [EOFY super moves worth thinking about](https://www.capstonefp.com.au/news/eofy-super-moves-worth-thinking-about/) - End of Financial Year (EOFY) is a good time to show your super some love. EOFY often gets us thinking about money and your super deserves its moment too. You don’t need to do everything but a few small moves now could make a big difference over time. Your future self will thank you. A
- [Your Client Value Proposition is the foundation of your business](https://www.capstonefp.com.au/practice-perfect/your-client-value-proposition-is-the-foundation-of-your-business/) - Your Client Value Proposition (CVP) has both a direct and indirect impact on almost every aspect of your business. When it is clearly defined and genuinely aligned with client needs, it can deliver profound operational, financial and personal benefits for you as a business owner. What is a CVP? When asked to describe their value,
- [Economic update May 2026](https://www.capstonefp.com.au/news/economic-update-may-2026/) - Market developments during April 2026 included: Key Points Global equities rebounded strongly, looking through the geopolitical and oil price pressures. Inflationary pressures continue to cause markets to reassess the monetary policy paths of many central banks. Australian equities lagged global markets, with the Health Care and Consumer Staples sectors the main detractors. Australian Equities The
- [Payday Super – the simple change that can boost your retirement savings](https://www.capstonefp.com.au/news/payday-super-the-simple-change-that-can-boost-your-retirement-savings/) - From 1 July 2026, super contributions are getting a refresh. Payday Super means your employer will pay your super at the same time they process your pay, rather than relying on the current minimum rule of quarterly payments. While some employers already pay super more frequently, this will become the standard from July 2026. The
- [How much cash should you hold vs invest? What’s the right mix?](https://www.capstonefp.com.au/news/how-much-cash-should-you-hold-vs-invest/) - There are always two ways for individuals to hold cash, emergency fund cash and investment cash. This needs to be clarified before discussing any investment mix. Emergency cash (not in your portfolio) Life has a habit of delivering the unexpected, so it’s a good idea to keep 3 to 6 months of living expenses in
- [Reserve Bank lifts interest rates by another 0.25pc to 4.35pc](https://www.capstonefp.com.au/news/reserve-bank-lifts-interest-rates/) - The Reserve Bank of Australia (RBA) has increased interest rates by 0.25 percentage points. The new cash rate target is 4.35 percent, up from 4.1 percent. Interest rates have now returned to the level they were in February 2025 before the RBA began its rate cutting cycle last year, so last year's policy easing has
- [A smarter way to respond to super volatility](https://www.capstonefp.com.au/news/a-smarter-way-to-respond-to-super-volatility/) - When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met expectations, you might wonder whether continuing to contribute is worth it – or whether super is really doing its job. Before making any big decisions, it helps to
- [Living with higher for longer interest rates](https://www.capstonefp.com.au/news/living-with-higher-for-longer-interest-rates/) - Interest rates are rising and the Reserve Bank of Australia (RBA) has hinted that they could stay elevated for longer than expected. While people who live off their investments, including self funded retirees welcome the rise, homebuyers must think about what higher rates will mean for them, especially if those rates stay higher for longer.
- [Four ways to invest through market volatility](https://www.capstonefp.com.au/news/four-ways-to-invest-through-market-volatility/) - Looking for ways to manage investment risk while still aiming for long term returns? While valuations in many investment asset types have been affected by market volatility this year, there are a range of approaches investors may consider to adjust how they’re positioned. After a volatile March that has affected valuations in many investment asset
- [Making the most of a market downturn](https://www.capstonefp.com.au/news/making-the-most-of-a-market-downturn/) - In recent years, market volatility has once again tested the nerves of investors. From the post COVID recovery to ongoing geopolitical tensions, persistent inflation and rising interest rates, many are questioning how best to position their investments for the future. For retirees, the challenge is even greater, finding reliable income while preserving capital isn’t easy
- [Capstone Financial Planning appoints Marcus O’Sullivan as Executive Manager Growth and Development](https://www.capstonefp.com.au/corporate-news/capstone-financial-planning-appoints-marcus-osullivan-as-executive-manager-growth-and-development/) - 5 June 2025 Mr Grant O’Riley, Managing Director at Capstone Financial Planning has formally announced the appointment of Marcus O’Sullivan as Capstone’s new Executive Manager Growth and Development. Marcus will officially commence in the role 1 July 2025, responsible for licensee growth; practice development through Capstone’s national team of Practice Managers; and licensing and education
- [Introducing CapBack Licensee Solutions – a full backoffice service for self licensed AFSLs](https://www.capstonefp.com.au/corporate-news/introducing-capback-licensee-solutions-a-full-backoffice-service-for-self-licensed-afsls/) - 31 March 2026 Mr Grant O’Riley, Managing Director has formally announced the launch of new company, CapBack Licensee Solutions. As leader and founder of the successful AFSL, Capstone Financial Planning – this latest business venture ensures there’s a full array of support options for Australian financial advisers, regardless of their setup and business structure.
- [Capstone Financial Planning launches fresh new look](https://www.capstonefp.com.au/corporate-news/capstone-financial-planning-launches-fresh-new-look/) - Mr Grant O’Riley, Managing Director at Capstone Financial Planning formally launched a fresh new look for the Company today.
- [Payday Super changes – what they mean and how they could boost super for some](https://www.capstonefp.com.au/news/payday-super-changes-what-they-mean-and-how-they-could-boost-super-for-some/) - Payday Super means employers must pay super at the same frequency as they pay wages. The changes are being introduced to improve retirement outcomes and reduce unpaid super. Moving away from quarterly payments means more frequent compounding – and may also result in higher super payments on bonuses for some high income earners. From 1
- [Smart ways to grow your super as you approach retirement](https://www.capstonefp.com.au/news/smart-ways-to-grow-your-super-as-you-approach-retirement/) - Retirement isn’t a single moment. It’s a long, wonderful chapter – and the choices you make today help determine how confidently you’ll step into it. Whether you’re 10 years or more away, or rounding the final bend into retirement, your super will always benefit from some love. Here’s how to make the most of your
- [Seven ways to protect your mobile phone from hackers](https://www.capstonefp.com.au/news/seven-ways-to-protect-your-mobile-phone-from-hackers/) - Our phones contain so much personal information that it's important to keep them secure. Follow these seven cybersecurity tips to help secure your mobile device from hackers and online fraud. Most of us are used to protecting our home computers with passwords, antivirus software and regular updates. But many people don’t realise that their smartphone
- [Managing risk](https://www.capstonefp.com.au/news/managing-risk/) - We all want to earn high returns but every investment has some degree of risk; and higher returns generally mean higher risk. Think about the level of risk you’re comfortable with. How do you feel about risk? Do you like to take chances or are you conservative by nature? You may think you have a
- [The power of visual aids – how they help you get better client outcomes](https://www.capstonefp.com.au/practice-perfect/the-power-of-visual-aids-how-they-help-you-get-better-client-outcomes/) - Why visual aids work so well 1. We understand images faster than words Our brains process visuals almost instantly. Simple diagrams, charts or icons help you grasp the meaning quickly – much faster than reading long explanations. 2. They simplify complex information Financial strategies can feel complicated. A well chosen visual turns a detailed or
- [Downsizing your home? Understanding the downsizer contribution](https://www.capstonefp.com.au/news/downsizing-your-home-understanding-the-downsizer-contribution/) - Downsizing the family home is often part of the longer term financial plans for many older Australians. But did you know that you could consider investing the proceeds of the sale of your family home to your super, depending on your age and circumstances, as a downsizer contribution? What is a downsizer contribution? Since 1
- [Haven't checked your super balance? Make sure you’re not missing out](https://www.capstonefp.com.au/news/havent-checked-your-super-balance-make-sure-youre-not-missing-out/) - Super will soon need to be paid into your super account within seven business days of your regular pay, making it easier to check and grow your savings. Summary Almost half of all working Australians don’t check their super balance¹. But with Payday Super around the corner, and the ATO returning $1.1 billion in unpaid
- [Women in super – 5 smart super tips at every stage of life](https://www.capstonefp.com.au/news/women-in-super-5-smart-super-tips-at-every-stage-of-life/) - Careers pause, shift and evolve – especially for women. But even with nonlinear working paths, there are simple steps you can take to keep your super moving forward. Women’s working lives aren’t always linear. You might step in and out of work. Change hours. Put caring for others first. Or take a completely different path
- [Five simple steps to saving cash (while still having a life)](https://www.capstonefp.com.au/news/five-simple-steps-to-saving-cash-while-still-having-a-life/) - With cost of living pressures, everyone could do with some extra cash right now. One straightforward option is to stop cash leaving your account in the first place. In other words, check you're not frittering away your hard earned money by paying more than needed on your bills. And by bills, I mean everything you spend regularly.
- [The four types of proof you must demonstrate](https://www.capstonefp.com.au/practice-perfect/the-four-types-of-proof-you-must-demonstrate/) - In today’s competitive financial services landscape, trust is everything. Consumers don’t just want advice – they want validation. Before they commit to working with a financial adviser, they look for evidence that reassures them they’re making the right choice. This evidence comes in four distinct forms of proof. 1. Proof of concept Before clients trust
- [Retiring in 2026? Four smart moves to protect your lifestyle](https://www.capstonefp.com.au/news/retiring-in-2026-four-smart-moves-to-protect-your-lifestyle/) - Over one quarter of a million Australians will start their retirement in 2026. Many more are looking ahead to the time when they can swap their 9 to 5 roles for the freedom of retirement. Getting the planning right will be critical for helping people to enjoy the retirement that they deserve. One of the
- [Australians putting finances first in 2026](https://www.capstonefp.com.au/news/australians-putting-finances-first-in-2026/) - As Aussies settle into 2026, many are turning their attention to their finances. MLCs latest survey reveals that more than half of those surveyed (55%) are making financial stability a top priority in 2026. Money matters have taken the number one spot over traditional new year resolutions like eating better, exercising more and spending extra
- [Losing a loved one](https://www.capstonefp.com.au/news/losing-a-loved-one/) - One of life’s greatest challenges is the loss of a loved family member – particularly a long-term spouse or partner. Knowing where to start can be a big help at this difficult time. When a loved one passes away The loss of a loved one can see you juggling multiple balls at once. There is
- [Ten things to know before gifting wealth](https://www.capstonefp.com.au/news/ten-things-to-know-before-gifting-wealth/) - What if you opted to give a present that could help shape the financial future for yourself or your loved ones? Before you make that transfer or sign over an asset, it’s important to consider the opportunities, risks and rules that come with financial gifts to ensure you avoid any unexpected surprises along the way.
- [How to find your lost super](https://www.capstonefp.com.au/news/how-to-find-your-lost-super/) - Imagine finding thousands in super that you’ve lost track of. Here’s how you can check if you have any lost or unclaimed super. There are over seven million lost and Australian Taxation Office (ATO) super accounts with a total value of $17.8 billion1 – a share of this could be yours. Don’t miss out on super
- [Three ways to plan for your 30s](https://www.capstonefp.com.au/news/three-ways-to-plan-for-your-30s/) - Turning 30 is often accompanied by a degree of increased financial responsibility. It’s an important milestone that generally means you have a little more financial experience under your belt. If you’re lucky, you’ve earnt your money a few different ways and probably even found more ways to spend it. So, how can your 30 something
- [2025 financial year in review](https://www.capstonefp.com.au/news/2025-financial-year-in-review/) - A strong year for share returns Global shares delivered very strong returns in the past financial year. Optimism on the promise of ‘Artificial Intelligence’ (AI) as well as progress towards lower global inflation and interest rates have been the key positive drivers for rising global share prices. These strong share gains come despite the tragic
- [Tariff uncertainty and what this means for retirement income](https://www.capstonefp.com.au/news/tariff-uncertainty-and-what-this-means-for-retirement-income/) - One of the keys drivers of happiness in retirement is the peace of mind that comes from financial security. However, US tariff announcements since the start of April have added uncertainty to financial markets, adding an extra layer of complexity for many retirees. Policy positions have fluctuated as tariffs are paused, reversed or adjusted, leaving
- [Protecting retirement income from inflation](https://www.capstonefp.com.au/news/protecting-retirement-income-from-inflation/) - The fall in inflation from multi decade highs is good news for the Australian economy. Many retirees are struggling to manage their cost of living because of the cumulative impact inflation has had on their financial position. Looking forward, retirees need a portfolio that is protected from inflation risks so that they don’t experience another
- [Helping your grandkids purchase their first property](https://www.capstonefp.com.au/news/helping-your-grandkids-purchase-their-first-property/) - Supporting your adult children or grandchildren in purchasing their first property can be a fulfilling way to help them achieve financial independence. However, it's crucial to ensure your own retirement savings remain secure. Here are some strategies to help your loved ones get onto the property ladder without compromising your financial future. Financial strategies 1.
- [Higher deeming incomes, Age Pension asset test limits and payments from 20 September](https://www.capstonefp.com.au/news/higher-deeming-incomes-age-pension-asset-test-limits-and-payments-from-20-september/) - Deeming rates changed for the first time in five years in September, which will affect the income the government estimates retirees earn from their investments. At the same time, Age Pension payments and part Age Pension cut off limits have also increased. Deeming rates used to estimate the income Age Pension recipients receive from their
- [Take control of your finances in 2026](https://www.capstonefp.com.au/news/take-control-of-your-finances-in-2026/) - Getting on top of your finances is one of the most common new year's resolutions Australians make. But only 12% of us achieve our goal. Here's how to be one of them. More than one in two Australians (52%) plan to get on top of their finances each year, according to research from the Federal
- [What’s in store for 2026 and beyond?](https://www.capstonefp.com.au/news/whats-in-store-for-2026-and-beyond/) - Prepare for any changes that may be occurring in 2026 and beyond. Looking ahead: What’s changing in 2026? At this time of year, many of us start thinking about what’s next – new goals, fresh opportunities and trying to understand what’s ahead. Over the next year, a number of changes to superannuation, tax and even
- [Can your super be a lifeline during times of mortgage stress?](https://www.capstonefp.com.au/news/can-your-super-be-a-lifeline-during-times-of-mortgage-stress/) - Even with interest rates easing, the cost of living remains tough. In some cases, super can offer relief – especially under compassionate grounds or severe financial hardship. Mortgage stress is hitting many Australians hard – and if you're feeling the pressure, you're not alone. Even though interest rates have started to ease, the cost of
- [Setting the scene: The art of structured client conversations](https://www.capstonefp.com.au/practice-perfect/setting-the-scene-the-art-of-structured-client-conversations/) - In the world of professional advice, surprises are rarely welcome. Clients expect clarity, confidence and consistency – and so should you. Experienced professionals know what they’re going to say and can anticipate the usual client responses. That’s why a well prepared, structured approach is essential. Why setting expectations matters From the very beginning, your conversation
- [Protect yourself from ransomware](https://www.capstonefp.com.au/news/protect-yourself-from-ransomware/) - Ransomware is a common and dangerous type of malware. It works by locking up or encrypting your files so that you can no longer access them. A ransom, usually in the form of cryptocurrency, is demanded to restore access to the files, or to prevent data and intellectual property from being leaked or sold online.
- [How to invest in shares](https://www.capstonefp.com.au/news/how-to-invest-in-shares/) - Shares or stocks are a popular investment for many investors but can be intimidating when you are starting out. Here’s a short guide to help start your journey into investing. What are shares? Shares, also called stocks, are a part ownership of a company and, if the company is publicly listed on a stock exchange,
- [‘More subdued’: What property prices will do in 2026](https://www.capstonefp.com.au/news/more-subdued-what-property-prices-will-do-in-2026/) - If 2025 was the year that Australia’s property market roared back to life, 2026 looms as the year it taps the brakes. Price growth is expected to slow, there’s a risk of interest rate hikes and rising borrowing costs could fuel negative growth across some sectors. Still, government backed first home buyers, a return of
- [Property and SMSFs: Using your super to invest in property](https://www.capstonefp.com.au/news/property-and-smsfs-using-your-super-to-invest-in-property/) - Thinking about using your super to invest in property? You’re not alone. Australians are increasingly seeking alternatives to traditional investments such as shares and managed funds to build their retirement wealth. Find out if buying property with superannuation is right for you. Buying property with SMSFs: how does it work? Investing in property through a
- [Handling market highs and lows](https://www.capstonefp.com.au/news/handling-market-highs-and-lows/) - What goes up, must come down. Market highs and lows are a normal part of the investment world but they can be hard to handle when it’s your money at stake. Market volatility Investment markets tend to move in cycles, from boom periods when assets rise in value and deliver strong gains, to events like
- [Economic update February 2026](https://www.capstonefp.com.au/news/economic-update-february-2026/) - Market developments during January 2026 included: Key Points The domestic equity market took the lead from European and US markets, finishing higher in January, while Real Estate Investment Trusts (REITs) moved lower. US equity markets rose in January in the face of rising geopolitical tension and the start of another US earnings season. Fixed interest
- [Your digital life after you die – how to protect your memories, money and identity](https://www.capstonefp.com.au/news/your-digital-life-after-you-die-how-to-protect-your-memories-money-and-identity/) - Technology has made everyday life easier. We take photos without thinking where they’re stored, pay bills without opening a drawer and carry our financial lives around on a device the size of a hand. But when someone dies, all this convenience can suddenly turn into complexity. The digital traces we leave behind rarely sit in
- [Why is estate planning so hard? And what you can do to make it easier …](https://www.capstonefp.com.au/news/why-is-estate-planning-so-hard-and-what-you-can-do-to-make-it-easier/) - Estate planning is one of those tasks almost everyone means to get to, yet many only face it during a crisis. Families often describe the same moment. A parent dies, the surviving spouse and children open a cupboard or a laptop, and suddenly they are trying to reconstruct a life from scattered paperwork, half remembered
- [How to create a retirement plan](https://www.capstonefp.com.au/news/how-to-create-a-retirement-plan/) - You've spent your entire adult life working and now it’s time to kick back and do more of the things that interest you – whether perfecting your golf handicap, travelling the world or spending time with the grandkids, retirement is a time for an entirely new lifestyle. 1. Set up a spending plan It takes
- [Overcome objections before you even meet: The power of your CVP](https://www.capstonefp.com.au/practice-perfect/overcome-objections-before-you-even-meet-the-power-of-your-cvp/) - Why prospects aren’t fully listening Picture this: you finally secure a meeting with a potential client. You’re ready to showcase your expertise, but as you speak, they’re distracted. Their mind is racing with doubts:“Can I trust this person? What will this cost me? What if I make a mistake?” These silent fears create a barrier
- [Stand up and stand out: How to make a lasting first impression with impact for your business](https://www.capstonefp.com.au/practice-perfect/stand-up-and-stand-out-how-to-make-a-lasting-first-impression-with-impact-for-your-business/) - There’s an old truism, “You don’t get a second chance to make a good first impression”. While we often get opportunities to redeem ourselves over time, starting strong is always the best strategy. In today’s competitive market, being noticed isn’t enough – you need your prospects to pay attention and trust what you have to
- [Property or shares: Is the Australian investment dream changing?](https://www.capstonefp.com.au/news/property-or-shares-is-the-australian-investment-dream-changing/) - Property investments appear to be on the wane with younger investors as house prices rise: the number of those expecting property will be their biggest investment at retirement is half that of older Australians. So is our love affair with property changing? Higher property prices may be affecting the investment strategies of younger investors, with
- [Setting your grandkids up for the future: A Grandparent’s guide](https://www.capstonefp.com.au/news/setting-your-grandkids-up-for-the-future-a-grandparents-guide/) - Providing financial support to your grandchildren can be a meaningful way to invest in their future. From practical steps to financial strategies and legal considerations, there are several ways you can help set them up for long-term security and success. Financial actions 1. Financial gifts and savings accounts One off or regular gifts: Consider gifting money
- [Enjoying your retirement](https://www.capstonefp.com.au/news/enjoying-your-retirement/) - Retirement can be a golden opportunity to make changes to your lifestyle and routine and boost your wellbeing in the process. Find out more about the benefits of using your extra leisure time to stay active and connected to your community. Making the most of a new life stage If you’ve been working for much
- [What is a beneficiary and why you need one for your super](https://www.capstonefp.com.au/news/what-is-a-beneficiary-and-why-you-need-one-for-your-super/) - The assets that make up your estate may include property, bank accounts, investments and superannuation. How your estate will be distributed after your death will depend on who you nominate to be beneficiaries in your Will. That is, your estate minus your superannuation – unless you have specifically nominated your estate to be the beneficiary
- [Your obligations as an SMSF trustee](https://www.capstonefp.com.au/news/your-obligations-as-an-smsf-trustee/) - The following outlines your obligations as a trustee or director of a corporate trustee of a Self Managed Super Fund (SMSF) and what happens when they are not met. Understand your obligations All trustees of your SMSF are responsible for running the fund and making decisions that are in the best financial interests of all
- [Value your business](https://www.capstonefp.com.au/news/value-your-business/) - Working out how much your business is worth can be an important part of getting finance, attracting investors or selling your business. Here are some suggested steps to help you through the process. 1. Prepare your business information You’ll need a range of business information to value your business properly. If you need help with
- [What happens to your super when you retire?](https://www.capstonefp.com.au/news/what-happens-to-your-super-when-you-retire/) - Superannuation is one of the important pillars of savings in retirement for most Australians. After years of working and contributing to your super fund, retirement is when you are finally able to access it. Whether retirement is just around the corner or still a few years away, it’s worth understanding your options. In this
- [Investing an inheritance from $10,000 to $100,000 whatever your life stage](https://www.capstonefp.com.au/news/investing-an-inheritance-from-10000-to-100000-whatever-your-life-stage/) - Receiving an inheritance may be a once in a lifetime financial opportunity that also coincides with a very difficult, emotional time in your life. Whether you inherit $10,000 or $100,000, your age, life stage, risk appetite and financial preparedness are likely to play a key role in decisions about how and where to invest. Many
- [Australian property market approaches $12 trillion as national price momentum builds](https://www.capstonefp.com.au/news/australian-property-market-approaches-12-trillion-as-national-price-momentum-builds/) - Overview The total value of Australian residential real estate is now $11.8 trillion. National housing values are gaining momentum, rising 2.2% over the September quarter alone. Darwin markets are setting the pace for capital growth since the first interest rate cut in February, with suburbs like Wanguri and Durack (NT) soaring by 20.1%. Conversely, Sydney
- [Economic update November 2025](https://www.capstonefp.com.au/news/economic-update-november-2025/) - Global Trade tensions re-escalated in October, with the US responding to increased rare earth export controls from China with an additional 100% tariff alongside export controls on critical software. This led to the S&P500 experiencing its largest one day decline since Liberation Day in April, falling by -2.71% on October 10. Gold prices accelerated to
- [Protecting your money – Cybersecurity and scam awareness](https://www.capstonefp.com.au/news/protecting-your-money-cybersecurity-and-scam-awareness/) - Your super and investment savings represent years of hard work for a secure future. Unfortunately, they can be a prime target for scammers, causing significant financial loss and emotional distress. Financial scams are on the rise and becoming more sophisticated, making them harder to detect. This article will help you recognise common types of super and
- [Understanding longevity risk in retirement](https://www.capstonefp.com.au/news/understanding-longevity-risk-in-retirement/) - Australians are living longer than ever before due to a combination of factors including improved healthcare, better living conditions and over all better quality of life. With this longevity comes the challenge of ensuring financial security throughout a longer retirement. Data from the Australian Bureau of Statistics (ABS) shows that life expectancy at birth is
- [How to help your super grow faster](https://www.capstonefp.com.au/news/how-to-help-your-super-grow-faster/) - Super is money from your employer and your own savings you can use when you retire. As you earn an income it keeps growing a little at a time. But if you want to set yourself up for more choice for your life in retirement, there are two ways to help your super savings grow faster.
- [How to get out of debt](https://www.capstonefp.com.au/news/how-to-get-out-of-debt/) - In Australia, we’re pretty big on borrowing money. According to figures published by Finder in 2024, Australia takes the number three spot, after Switzerland and the Netherlands in the top five countries with the highest levels of household debt. So, if you’re in debt, you’re certainly not alone in owing money. Mortgage debt is the number
- [Having the money talk with your partner](https://www.capstonefp.com.au/news/having-the-money-talk-with-your-partner/) - While you may have been putting off the money talk with your partner, matters of the bank account are very important. In fact, discussing your finances with a long or short-term partner, can save you uncomfortable conversations down the track, especially when you start to manage money together. While you don’t necessarily need to know
- [Getting the best from your professional relationships](https://www.capstonefp.com.au/news/getting-the-best-from-your-professional-relationships/) - You might have a regular accountant you see at tax time who helps you sort out what you owe the government, or if you’re lucky, what the government owes you. Sometimes they will make recommendations on how to reduce your tax for the next year. However, for many, there is more that can be done
- [Why you should write a Will](https://www.capstonefp.com.au/news/why-you-should-write-a-will/) - You probably have a good idea of who you’d like to give your hard earned assets to when you’re gone. Making a Will can help ensure your assets are distributed the way you want. Many people see making a Will as something to do when they have children or other dependents to worry about. After
- [Three ways to invest for passive income](https://www.capstonefp.com.au/news/three-ways-to-invest-for-passive-income/) - Living off the income from investments is a dream for many Australians. Along the way, passive income can help cover school fees, fund holidays or pay for life’s little luxuries. Whether you're just starting out or looking to diversify, here are three ways to invest for passive income, for different levels of risk appetite, investment
- [Aged care facility choices](https://www.capstonefp.com.au/news/aged-care-facility-choices/) - Aged care made simple: what you need to know Navigating aged care can be quite a challenge, especially with the new rules that come into effect on November 1, 2025. If you were already in the system before entering care, you might still be eligible for the old rules to continue. It sounds complex because
- [Having a baby](https://www.capstonefp.com.au/news/having-a-baby/) - New babies are a wonderful addition to your life. Planning ahead for parenthood can help you give your growing brood the best of everything. The costs of raising a child Children don’t stay small for long and the costs you face in the early days, like nappies, bouncers and prams, can pale into comparison with
- [Making the most of a salary increase](https://www.capstonefp.com.au/news/making-the-most-of-a-salary-increase/) - It’s exciting to get a pay rise and when you’ve earned it, you often feel like it’s a deserved reward to treat yourself with, but used in the right way it can also help you build towards a more financially fulfilling future. Typically, the more people earn the more they spend which is often unfulfilling
- [Star performers: which investment types delivered the best returns in 2024-25?](https://www.capstonefp.com.au/news/star-performers-which-investment-types-delivered-the-best-returns-in-2024-25/) - Sharemarkets continued to make headlines in the 2024-25 financial year but the best performers for investors seeking high returns broadened to include a much wider range of investment types. Investors looking for strong returns were able to find them in a growing number of investment categories over the 2024-25 financial year as several investment types
- [Eight quick wins for managing debt](https://www.capstonefp.com.au/news/eight-quick-wins-for-managing-debt/) - Managing debt can often feel overwhelming but there are several strategies you can implement to make the process more manageable and even accelerate your journey to becoming debt free. Here are some quick wins that can help you take control of your finances and reduce your debt more effectively. Remember, the key is to stay
- [Score a $500 super bonus: the government super co-contribution explained](https://www.capstonefp.com.au/news/score-a-500-super-bonus-the-government-super-co-contribution-explained/) - Imagine an extra $500 landing in your super fund, courtesy of the government, simply for being proactive about your financial future. If you're a low to middle income earner making after-tax contributions to your super without claiming a tax deduction, you could be eligible for this often forgotten about super boost. Here’s how it works.
- [Finance 101: understanding interest rates and why they matter](https://www.capstonefp.com.au/news/finance-101-understanding-interest-rates-and-why-they-matter/) - Learn how interest rates influence loans, savings and investments, and find out why staying informed about interest rates can empower your financial decisions. Whether you're planning to buy your dream home, save for a brighter future or simply manage your daily finances, interest rates play a key role. Here’s why they matter when planning your
- [Why you need insurance, what are your options?](https://www.capstonefp.com.au/news/why-you-need-insurance-what-are-your-options/) - Insurance; we don’t need it until we do. Learn all about the value of insurance for protecting your health, income and loved ones when life throws you a curveball. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part
- [Advice for couples at tax time](https://www.capstonefp.com.au/news/advice-for-couples-at-tax-time/) - Unsure how your relationship status affects your taxes? We’ve made it simple with our couples’ guide to tax. If you’re newly married, engaged or living with your partner, you might not be aware that there are some implications for your taxes. In Australia, you’re not required to lodge a combined tax return with your spouse
- [Can you really afford the big house, luxury car and holidays?](https://www.capstonefp.com.au/news/can-you-really-afford-the-big-house-luxury-car-and-holidays/) - For many Australians, lifestyle choices are often seen as rewards for hard work. The big house. The new car. The overseas holidays. The designer labels. On the surface, these purchases seem like signs of financial success but when you dig deeper, they often come with hidden trade offs – and many don’t realise it until
- [How super works](https://www.capstonefp.com.au/news/how-super-works/) - If you’ve ever had a job, then super is going to be on your radar. Knowing what it’s all about is the first step to making it work for you. Super can help you save big Super is your savings account for retirement. But well before you retire, your balance could be in the hundreds
- [Three ways to access advice for a resilient retirement](https://www.capstonefp.com.au/news/three-ways-to-access-advice-for-a-resilient-retirement/) - Did you know there’s a secret weapon when it comes to building financial resilience? Turns out that Australians who have had advice are much more likely to be able to cope in times of market turbulence, according to the 2025 Empowered Australian* report commissioned by Colonial First State. Confidence is one of the key outcomes
- [Online shopping: Be secure when shopping online](https://www.capstonefp.com.au/news/online-shopping-be-secure-when-shopping-online/) - Online shopping is convenient and the preferred way to shop for a lot of Australians but it comes with a risk. Cybercriminals often target online shoppers to steal their money or their personal details. They do this through a variety of methods, including setting up fake retailer websites, selling products that don’t exist, asking for
- [How does life insurance work?](https://www.capstonefp.com.au/news/how-does-life-insurance-work/) - A step by step guide to help you through the decision making process. Firstly, what is life insurance? “Life insurance” is the general term we give to the range of insurance that looks after you if something unexpected happens to your body or mind. They are designed to protect your quality of life and the
- [When you need a Will and who can help](https://www.capstonefp.com.au/news/when-you-need-a-will-and-who-can-help/) - Wills aren’t just for later in life and you should really have one when you start earning. And as money and family matters can be complex, it makes sense to get help. Who needs a Will anyway? A Will is something you might think you only need once you’re a millionaire or close to retirement.
- [Is it worth salary sacrificing into super?](https://www.capstonefp.com.au/news/is-it-worth-salary-sacrificing-into-super-2/) - We're all familiar with the concept of super. It's that portion of our salary that employers are required to contribute to a super fund on our behalf, with the goal of providing us with financial security in retirement. But what not everyone is aware of is that relying solely on your employer's contributions might not
- [How worried should I be about running out of money when I stop working?](https://www.capstonefp.com.au/news/how-worried-should-i-be-about-running-out-of-money-when-i-stop-working/) - It’s not unusual to be worried about running out of money when you stop working. A recent survey of Perpetual members found that 37 per cent of respondents approaching retirement were continuing to work because they did not have enough retirement savings. A similar percentage disagreed with the statement that “I have sufficient savings, in
- [How to inform your audience with video](https://www.capstonefp.com.au/practice-perfect/how-to-inform-your-audience-with-video/) - Many businesses have figured out that placing videos on their website is a good move. Why? Because it builds your brand name, showcases you as an expert, puts real people behind the name, speaks to new prospective clients, gives important information, offers real live client testimonials, brings in new online traffic and increases sales. Videos
- [Reserve Bank cuts interest rates by 0.25 percentage points in August in unanimous decision](https://www.capstonefp.com.au/news/reserve-bank-cuts-interest-rates/) - In short: The Reserve Bank cut interest rates by 0.25 percentage points in August to 3.6 per cent, after July's shock 'on hold' decision. The average owner-occupier with a $750,000 mortgage as of February will see their minimum monthly repayment fall $111 if their bank passes on the cut, taking the cumulative reduction this year
- [How much super do I need to retire in Australia?](https://www.capstonefp.com.au/news/how-much-super-do-i-need-to-retire-in-australia/) - The amount of super you need to support your retirement will depend on what kind of lifestyle you’re hoping to enjoy and how much income you’ll be earning in addition to your super savings. Income from the Age Pension, part-time work and other financial investments will affect the amount of super you need to retire
- [How to stay on top of your tax even when markets move](https://www.capstonefp.com.au/news/how-to-stay-on-top-of-your-tax-even-when-markets-move/) - It’s important to understand the tax implications of your investments especially when markets move up and down. Our five step end of financial year checklist will help keep you on top of your tax for 2024-25. As the 2024-25 financial year draws to a close, it’s important to understand the tax implications of your investments.
- [Planning for retirement? Start with these 5 steps](https://www.capstonefp.com.au/news/planning-for-retirement-start-with-these-5-steps/) - #1: Set clear retirement goals The very first step in retirement planning is to define what you want your retirement to look like. When you hear the word retirement, what do you think of? Consider the following questions: When do you want to retire? Determine your ideal retirement age, keeping in mind that it may
- [The absurdity and calamity of US tariff policies](https://www.capstonefp.com.au/news/the-absurdity-and-calamity-of-us-tariff-policies/) - US tariffs are poorly designed, badly implemented and are already damaging both the US and global economies. The economic damage will only get worse as uncertainty further undermines business and consumer confidence and results in dislocation of global supply chains. Determining the extent of economic damage, and financial market implications, is difficult because we don't
- [Spouse super contributions – what are the benefits?](https://www.capstonefp.com.au/news/spouse-super-contributions-what-are-the-benefits/) - If your partner is earning a low income, working part-time, or currently unemployed, boosting their super could be a smart financial move for both of you. When your partner isn’t earning much, or is out of work, their super might not be growing enough to support them in retirement. By contributing to their super, you
- [Protect yourself: Multi-factor authentication](https://www.capstonefp.com.au/news/protect-yourself-multi-factor-authentication/) - Multi-factor authentication (MFA) is when you use two or more different types of actions to verify your identity and you may already be using MFA. For example, when you receive an authentication code by SMS text message after entering your password to log into an online account. MFA is one of the best ways to
- [Navigating market volatility](https://www.capstonefp.com.au/news/navigating-market-volatility/) - Financial markets have been erratic lately, understandably causing some concern for those of us with super and investments. While dips and major market events are a common feature of investing, markets generally trend upwards over time. Most super funds invest in sharemarkets to help your money grow over in the long term. So when markets
- [Federal Election 2025](https://www.capstonefp.com.au/news/federal-election-2025/) - During the Federal Election campaign, the Government made a number of election promises, which may impact your finances. There were also a number of support measures proposed in the recent Federal Budget. What could this mean for you? These announcements are proposals only and may or may not be made law. The information below, including
- [Estate Planning and SMSFs](https://www.capstonefp.com.au/news/estate-planning-and-smsfs/) - One of the main reasons an individual would use an SMSF is for estate planning as it can offer greater flexibility to beneficiaries than what is available via a public offer fund. Where a member dies without a binding nomination, the distribution of the death benefits is at the discretion of the remaining trustees. This can
- [Economic update May 2025](https://www.capstonefp.com.au/news/economic-update-may-2025/) - Global Global markets whipsawed following the “Liberation Day” tariff announcements on April 2, and subsequent developments throughout the month. Volatility was rife and trading volumes were robust. The Volatility Index (VIX) spiked to a 5-year high of 57.8 on April 9, though ended the month sub-25. This move came as markets responded to several significant
- [Am I too old to get a home loan?](https://www.capstonefp.com.au/news/am-i-too-old-to-get-a-home-loan/) - One of a property lender’s most important jobs is to make sure a borrower can manage the typical home loan term of 30 years. This becomes even more critical from the age of 50 because that 30-year term can see a borrower well into retirement. We have a retirement age in this country of 67,
- [Carry forward concessional contributions](https://www.capstonefp.com.au/news/carry-forward-concessional-contributions/) - If you’re looking for ways to potentially increase your retirement savings while reducing tax, carry forward concessional contributions could be a good option. Carry forward concessional contributions If you’ve had time out of work raising kids or for other lifestyle reasons, or you haven’t had the money to boost your super until now, you could
- [Economic update August 2025](https://www.capstonefp.com.au/news/economic-update-august-2025/) - Global Financial markets rallied in July after the US struck trade deals with Japan and the EU, which involved a reduction in the tariff rate in exchange for over $1 trillion in combined investment and purchased commitments, supporting both equities and broader risk sentiment. While gold has been supported year to date (YTD) by safe-haven
- [Australian housing market update](https://www.capstonefp.com.au/news/australian-housing-market-update/) - Australian housing values rose another 0.6% in June, marking a fifth straight month of growth since conditions flattened out through the end of last year. Demonstrating the broad based nature of the upswing, monthly gains were recorded across almost every broad region of Australia, with Hobart the only region to see a month on month
- [Secure your email](https://www.capstonefp.com.au/news/secure-your-email/) - In today's world, we manage a significant part of our lives through emails. We use them to communicate with friends, family and colleagues. We also use email to sign up for online accounts and services. Checking and managing your emails may seem like a mundane and repetitive task. But if you don't stay vigilant, someone
- [Are you wasting your marketing dollars?](https://www.capstonefp.com.au/practice-perfect/are-you-wasting-your-marketing-dollars/) - As we know there are so many types of marketing activities we can choose from to generate more business. Unfortunately, many local business owners and/or advisers who do invest in marketing for their firm, spend it on the wrong type of activities. Brand marketing Coca-Cola, Pepsi, Microsoft, Apple, BMW, Mercedes, Hyundai, Coles, Woolworths and on
- [What is a sales funnel and why is it important to your success?](https://www.capstonefp.com.au/practice-perfect/what-is-a-sales-funnel-and-why-is-it-important-to-your-success/) - The sales funnel explained The sales funnel is a “sieve” that leads prospective clients through your sales process. It casts its net wide and then gradually weeds out unqualified prospects that are unlikely to buy your advice, services or products. As the term ‘funnel’ suggests, it is wide at the beginning (the entry point) and
- [The best three ways to generate new business leads fast](https://www.capstonefp.com.au/practice-perfect/the-best-three-ways-to-generate-new-business-leads-fast/) - While there are many different ideas about what it takes to grow a successful financial advisory business, there are three tried and true methods that seldom fail. 1. Client referrals Everyone knows these are the very best right? Well why is it that most of us don’t even ask, or if we do, we don’t
- [Does your sales and engagement experience impress?](https://www.capstonefp.com.au/practice-perfect/does-your-sales-and-engagement-experience-impress/) - We all have a process we follow when meeting with clients. Some work in a step by step, systematic and disciplined way, and others less so. But, is it impressive? Does it work to attract, compel, excite and enthuse prospective and existing clients or can it be improved? An episode I experienced not so long
- [Ten tips to outwit online scammers](https://www.capstonefp.com.au/news/ten-tips-to-outwit-online-scammers/) - Scammers are constantly looking for new ways to part you from your hard earned cash. That’s why it’s so important to stay a few steps ahead when it comes to protecting your money. Losing money to fraud can have a big effect on someone’s life – it can be draining for your mental health and
- [The questions you should ask your private credit fund](https://www.capstonefp.com.au/news/the-questions-you-should-ask-your-private-credit-fund/) - Private credit is increasingly popular with investors but do you really understand what you’re buying? A boom in private credit demand as investors chase higher yields and portfolio diversification is raising concerns around how asset managers are handling valuations, fees and transparency. The fast growing Australian private credit market is estimated to be worth some
- [Can I go back to work if I’ve already accessed my super?](https://www.capstonefp.com.au/news/can-i-go-back-to-work-if-ive-already-accessed-my-super/) - Generally, you can, but there may be other things to consider. When you access your super at retirement, depending on your age and personal circumstances, your super fund may ask you to sign a declaration stating you intend to never return to work again. However, there could be compelling reasons as to why you might
- [Trust building communications tips](https://www.capstonefp.com.au/practice-perfect/trust-building-communications-tips/) - There are many factors that determine how people view you and perceive your credibility, authority and expertise… and how much trust they place in you. Whether you are communicating face to face or through other media, with marketing campaigns or in your day to day messaging, you need to be aware of what you say
- [Why healthcare is worth investor consideration in 2025](https://www.capstonefp.com.au/news/why-healthcare-is-worth-investor-consideration-in-2025/) - Healthcare fell out of favour with investors following the pandemic, but a brighter earnings outlook and strong, long-term tailwinds have renewed interest. BlackRock explain why adding exposure to healthcare may be beneficial this year, despite the impacts of potential US political pressures. Earnings in recovery As we entered 2024, the healthcare sector began transitioning back
- [Caring for ageing parents](https://www.capstonefp.com.au/news/caring-for-ageing-parents-2/) - Some of us may help provide assistance to our ageing parents or other relatives in the future. That time may bring a range of emotional and physical challenges. Planning ahead may help relieve stress down the track. Here are three suggestions that may make a difference. Talk about your parents’ future It may not be
- [The biggest financial mistake women are making according to an economist](https://www.capstonefp.com.au/news/the-biggest-financial-mistake-women-are-making-according-to-an-economist/) - We all know the story: women earn less than men. But even as society and employers work towards closing the gender pay gap, there’s another inequality that women face that’s just as crucial to building their wealth: the investment gap. Why women are not investing their money According to CoreLogic's 2025 Women & Property report*,
- [The $3 billion money pot a million retirees mistakenly ignore](https://www.capstonefp.com.au/news/the-3-billion-money-pot-a-million-retirees-mistakenly-ignore/) - One in four retirees could be thousands of dollars a year further ahead just by claiming one or more key government entitlements as soon as they’re eligible. Are you missing out? Australia’s retirees are missing out on about $3 billion a year in money that could be used to pay essential living expenses -- often because
- [How to grow your super before retirement](https://www.capstonefp.com.au/news/how-to-grow-your-super-before-retirement/) - A super balance of $1 million is often presented as the magic number for a comfortable retirement. But most experts say it depends on your lifestyle and retirement expectations. Variables include whether you own your own home outright, your health and dependents who need or may need your financial assistance. The size of your retirement
- [When can you access your super?](https://www.capstonefp.com.au/news/when-can-you-access-your-super/) - Super is only for when you retire, right? Well not quite. There are a few times in life when you might have a valid reason to get hold of some of your super savings. When is it time to access your super? Super is your savings for retirement. So it makes sense that there is
- [What are you really giving to clients?](https://www.capstonefp.com.au/practice-perfect/what-are-you-really-giving-to-clients/) - Winning their hearts and minds Like most of us, my wife and I enjoy dining out from time to time. I’ve visited a lot of eateries and restaurants over the years. On some occasions, but fewer than you would expect, I have been let down by the meal. We try new places, but we do
- [Four things that could be destroying your presentations](https://www.capstonefp.com.au/news/four-things-that-could-be-destroying-your-presentations/) - For many, speaking opportunities are designed to achieve at least two objectives. The first is to deliver your core information – knowledge, training and coaching. The second is to sell directly to your audience at the conclusion of your event or to arrange personal meetings where you can gain the chance to engage individuals to
- [ASX reporting season: Look for earnings quality and strategic clarity](https://www.capstonefp.com.au/news/asx-reporting-season-look-for-earnings-quality-and-strategic-clarity/) - Earnings season is coming up for ASX investors. Following is what to look for… • Companies face sustained pressure from high rates• JB HiFi and Wesfarmers’ Kmart focus points. ASX-listed companies will reveal their half year results in the coming weeks – and investors should be looking for high quality earnings and consistent
- [Financial strategies for women over 50](https://www.capstonefp.com.au/news/financial-strategies-for-women-over-50/) - Many women in their 50s are asking themselves: “How do I prepare for retirement without financial stress? Can I reduce my working hours or transition to a new career without jeopardising my future?” If you’re wondering the same, you’re not alone. The good news is that with the right strategy and advice, you can build
- [Financial goals guide 2025](https://www.capstonefp.com.au/news/financial-goals-guide-2025/) - Your future's on the line. Don't stay on hold in 2025. Is it March already? It’s time to start nurturing your future self by doing this one thing to get your long-term finances in order. Nine in 10 wealthy Australians are quietly doing it already*, new research from Colonial First State (CFS) shows. If
- [Seven secret financial habits of wealthy Australians you can copy](https://www.capstonefp.com.au/news/seven-secret-financial-habits-of-wealthy-australians-you-can-copy/) - Ever wondered how the wealthy manage their money and what they do differently from the average Australian? New research* from Colonial First State (CFS) has uncovered seven secret financial habits that will help you build wealth. How do well off Australians create and maintain their wealth? From CFS’ research* over the past two years, there
- [Aged Care reforms 1 July 2025](https://www.capstonefp.com.au/news/aged-care-reforms-1-july-2025/) - The Government has legislated changes to the cost of residential aged care, for Australians entering care from 1 July 2025. A female aged 65 today has a 59% probability of entering aged care at some point in their lifetime. For a 65-year-old male, the probability is 43%. At some point in our lifetime we are
- [Can a few extra dollars really make a difference?](https://www.capstonefp.com.au/news/can-a-few-extra-dollars-really-make-a-difference/) - Extra payments into super, no matter how tiny, can do a lot for your balance. It doesn’t have to be a regular amount or a big lump sum to make a difference. More bang for your buck Putting money away for spending in 10, 20 or 30 years’ time is a lot to ask. But
- [Economic update February 2025](https://www.capstonefp.com.au/news/economic-update-february-2025/) - Global The introduction of DeepSeek’s open-source R1 model shocked global markets in January, challenging our understanding of capex requirements and competition in artificial intelligence. Despite the DeepSeek rout, the MSCI World Equity Index ended January +3.5% higher, led by strength in European equities as investors rotated out of US tech exposures and into defensive and
- [Megatrends for 2025 and beyond…](https://www.capstonefp.com.au/news/megatrends-for-2025-and-beyond/) - Megatrends are long-term structural changes that affect the world we live in. Importantly, they shape communities but they also create investment opportunities and risks. Learnings from historical megatrends include: 1) they often solve a problem through innovation; 2) the scope of the megatrend can initially be underestimated; and 3) the duration of a megatrend is
- [Winding up an SMSF](https://www.capstonefp.com.au/news/winding-up-an-smsf/) - There are no prescribed steps for winding up an SMSF, however there are a number of specific requirements that must be satisfied. Overview There are a number of reasons why a fund may need to be wound up including: The members have insufficient assets to justify having an SMSF. Running the SMSF has become too onerous. The
- [What assets can you have before losing your Age Pension?](https://www.capstonefp.com.au/news/what-assets-can-you-have-before-losing-your-age-pension/) - There are many benefits to receiving an Age Pension or even a part pension, but there are limits to what level of income or assets you can have, to be eligible. Regarding assets, the key limits as at 20 September 2024 are as follows: To receive a full pension, assets (excluding the value of the
- [Using the bucket strategy to make your money last longer](https://www.capstonefp.com.au/news/using-the-bucket-strategy-to-make-your-money-last-longer/) - How do you find the sweet spot between using your retirement savings to enjoy a comfortable standard of living, and investing so you won’t run out of money in the future? It’s a big question for many retirees. Two in three retirees (69%) are concerned about running out of money in retirement, according to new
- [Understanding the difference between ESG, ethical and green investing](https://www.capstonefp.com.au/news/understanding-the-difference-between-esg-ethical-and-green-investing/) - For many investors, the promise of ESG (Environmental, Social and Governance) investing has been evasive. Confusion around what “ESG Investing” actually is has led to many investors becoming disillusioned with their portfolios. So, what is “ESG investing”? Is this the same as ethical, responsible or green Investing? The straightforward answer is ‘no”. Unfortunately, many in the industry
- [The ins and outs of geared share funds](https://www.capstonefp.com.au/news/the-ins-and-outs-of-geared-share-funds/) - Geared share funds are high risk and high reward. When share markets are doing well, the returns can be very high, but the opposite is also true. We look at the pros and cons, and the role of geared share funds in a diversified investment strategy. Geared share funds can be a great way for
- [Australian home investing: New landlords to lose $23k+ in 12 months buying into two major cities](https://www.capstonefp.com.au/news/australian-home-investing-new-landlords-to-lose-23k-in-12-months-buying-into-two-major-cities/) - The average Australian property investor could lose money in their first year, with those in the nation’s two largest capitals likely to be more than $23,000 out of pocket in just 12 months. With a mix of stamp duty and land tax outstripping rental returns and major capitals thought to be approaching home value peaks,
- [First Home Guarantee Scheme: how does it work?](https://www.capstonefp.com.au/news/first-home-guarantee-scheme-how-does-it-work/) - You may be eligible to purchase your first home with as little as 5% deposit via the First Home Guarantee Scheme. Here’s how it works. First Home Guarantee Scheme: financial support for first home buyers The First Home Guarantee Scheme is an Australian Government initiative to support eligible first home buyers to buy a home
- [Financial tips when starting a new job](https://www.capstonefp.com.au/news/financial-tips-when-starting-a-new-job/) - Whether you’re starting work for the first time or you’re changing jobs, there are key things to know and do. 1. When negotiating pay for the role, pay close attention to the remuneration package.The more you earn, the easier it will be to save and invest more. So, before you accept the role, ask if
- [Insurance through super: everything you need to know](https://www.capstonefp.com.au/news/insurance-through-super-everything-you-need-to-know/) - Did you know you can have insurance cover in your super fund? If you have super, you might also have some automatic insurance cover. It’s called insurance in super and is exactly what it sounds like – insurance cover available through your super account. Insurance in super is designed to assist you and your family
- [Five ways to fix the biggest financial mistake Aussies make](https://www.capstonefp.com.au/news/five-ways-to-fix-the-biggest-financial-mistake-aussies-make/) - Two in five Australians say they are not on track to meet their long term financial goals, according to new research from Colonial First State (CFS)1. When they were asked why, there was one thing the majority struggled to do. Read on to learn more, as well as practical tips to help you get back
- [Cost of aged care at home](https://www.capstonefp.com.au/news/cost-of-aged-care-at-home/) - Watching your ageing or frail parents or loved ones struggle with some of life’s basic activities such as cooking, cleaning or caring for themselves can be difficult – and yet they will invariably want to retain their independence and live in the comfort of their own home as long as possible. It’s at this point
- [Pricing your service for value and getting your price](https://www.capstonefp.com.au/practice-perfect/pricing-your-service-for-value-and-getting-your-price/) - Financial advisers have been wrestling with their pricing for many years. Not just how to charge clients but how much? And, it’s not just about how to set them and what amounts to charge (although this can be a real challenge for many), it’s about the actual selling of the fees to the clients. What
- [Side hustle ideas](https://www.capstonefp.com.au/news/side-hustle-ideas/) - The rising cost of living is causing a strain on household budgets for many Australians. As a result, more are turning to side hustles and passive income opportunities to supplement their income. In this article, we explore a range of side hustles accessible to people of all ages. #1 side hustle idea: deliveries A popular
- [Misconceptions about super and taxes](https://www.capstonefp.com.au/news/misconceptions-about-super-and-taxes/) - Many people have a good idea of what super is and how much of their money goes into it. But there are some gaps when it comes to the basics, such as when you can access it and how super is taxed. Read on for a cheat sheet summary of ten top things to know
- [Keeping your physical and mental wellbeing in retirement](https://www.capstonefp.com.au/news/keeping-your-physical-and-mental-wellbeing-in-retirement/) - Preparing yourself for retirement Retirement can cause a range of emotions so it’s important to prepare yourself emotionally as well as financially. Here's some tips to improve health and wellbeing in retirement: Give yourself time: coping with major life changes is never easy. Allow yourself the time you need to figure everything out. Add structure
- [Investing for property profit](https://www.capstonefp.com.au/news/investing-for-property-profit/) - When property prices are rising, renovating for a quick return is a popular investment strategy. But when markets are sluggish, improving a property before ‘flipping’ it, can also generate profits for savvy investors. Buying to flip When you flip a property, you’re buying a dwelling that you believe is undervalued, which you then improve and
- [How to get your will sorted](https://www.capstonefp.com.au/news/how-to-get-your-will-sorted/) - Making a will is an important way to help ensure that your wishes are respected and your loved ones are taken care of if you pass away. A will is a legal document that sets out how you want your assets, such as property, money or possessions, to be distributed among your beneficiaries in the
- [Create wealth and gain financial control with a cashflow mastery system](https://www.capstonefp.com.au/news/create-wealth-and-gain-financial-control-with-a-cashflow-mastery-system/) - Managing your finances effectively can often feel overwhelming, so here’s a system that can help you take control and make your money work for you. It’s designed to simplify cashflow management, reduce stress and guide you towards your financial goals with ease. The idea is straightforward: separate your finances into three distinct areas to gain
- [Economic update November 2024](https://www.capstonefp.com.au/news/economic-update-november-2024/) - Investors maintained a healthy risk appetite for much of October, which enabled major share markets to make further progress. Movements in the US set the tone, with the S&P 500 Index rising to fresh all-time highs during the month. Towards month end, however, subdued results from some of the largest technology firms in the US
- [How do hedge funds work in a volatile market?](https://www.capstonefp.com.au/news/how-do-hedge-funds-work/) - While an exposure to hedge funds can provide a lift to a portfolio’s performance, they also offer the potential to generate high returns… at a risk. What's a hedge fund and how do they work? Hedge funds typically play an important role in financial markets. In fact, when markets are volatile, hedge fund managers are
- [Ever thought of investing in essential services?](https://www.capstonefp.com.au/news/ever-thought-of-investing-in-essential-services/) - Investing in infrastructure is about investing in the companies that provide essential services to society and earning predictable, reliable returns in the process. More than 350 infrastructure and utility companies are listed on global stock markets, with the sector having a combined market capitalisation in excess of US$4 trillion; about three times the market value
- [What is a distribution?](https://www.capstonefp.com.au/news/what-is-a-distribution/) - A managed fund generates income from its investments – for example, through share dividends, interest on cash or fixed interest investments in the fund, or any gains made when fund investments (like shares) are sold. So in short, a distribution is profit or income made by a fund and paid to investors. How are distributions
- [Pros and cons of self managed super funds](https://www.capstonefp.com.au/news/pros-and-cons-of-self-managed-super-funds/) - While self managed super funds are not for everyone, they do offer significant benefits. Running an SMSF successfully requires investment, legal, super and admin skills – or the ability to get help from people who have those skills. Having control over how your retirement savings are invested is one of the many benefits of SMSFs.
- [Nine bad habits of ineffective investors - common mistakes investors make](https://www.capstonefp.com.au/news/nine-bad-habits-of-ineffective-investors-common-mistakes-investors-make/) - Introduction In the confusing and often seemingly illogical world of investing, investors often make various mistakes that keep them from reaching their financial goals. This note takes a look at the nine most common mistakes. Mistake #1 Crowd support indicates a sure thing “I will tell you how to become rich…Be fearful when others are
- [As value outperforms again is your portfolio ready](https://www.capstonefp.com.au/news/as-value-outperforms-again-is-your-portfolio-ready/) - As value returns to market favour it’s time to check in on your portfolio – but not all value exposure is created equal. A notable comeback in value stocks over the past six months is an important reminder for investors to reassess their portfolio allocations. Value stocks, which typically trade at a discount to their
- [AI and bank shares push super balances higher in 2024](https://www.capstonefp.com.au/news/ai-and-bank-shares-push-super-balances-higher-in-2024/) - AI and bank shares push super balances higher in 2024 Superannuation funds have recorded another impressive year of returns for members with international technology and Australian banking shares driving above average returns over 2024. Concerns over inflation caused a slow start to the year, with multiple negative monthly returns recorded until October 2023. Increased confidence
- [Work life balance managing career and personal life](https://www.capstonefp.com.au/news/work-life-balance-managing-career-and-personal-life/) - In the digital age, where connectivity is constant, achieving a healthy work-life balance has become more challenging than ever. Technology and remote work have revolutionised the way we live, work and even relax. Thanks to digital advancements, we can now work from anywhere, anytime. With emails, messages and notifications buzzing on your phone or laptop,
- [The impact of lifestyle on life insurance premiums](https://www.capstonefp.com.au/news/the-impact-of-lifestyle-on-life-insurance-premiums/) - Life insurance premiums are calculated based on a number of factors, such as your age, gender, health at the time of application, smoking status, occupation, lifestyle and hobbies. Your health can play one of the biggest roles in determining your premiums, so having a healthy lifestyle can have both personal and financial benefits. Do you
- [Pulse checking your finances](https://www.capstonefp.com.au/news/pulse-checking-your-finances/) - Your financial health is key to the health of your wellbeing, relationships, work and home life. It’s important to have a regular checkup of your financial position to ensure you’re on track and to confirm your money is where you think it is, your investments are performing as they should, and debts are regularly serviced
- [Grow your retirement income](https://www.capstonefp.com.au/news/grow-your-retirement-income/) - In retirement, every dollar counts and it is worth exploring different strategies to grow your retirement income. Here’s how do it… Use your super wisely If you’re about to retire or are in retirement, it can be tempting to take your superannuation as a lump sum payment. However, this means taking money out of a
- [Five signs you may need a financial adviser](https://www.capstonefp.com.au/news/five-signs-you-may-need-a-financial-adviser/) - 1. You don't have time When you’re juggling your job with your personal and family life, it can be challenging to carve out time in your schedule to really sit down with your finances. As a result, it’s easy to feel that they are slipping out of your control. You find yourself putting off big
- [Caring for ageing parents](https://www.capstonefp.com.au/news/caring-for-ageing-parents/) - Some of us may help provide assistance to our ageing parents or other relatives in the future. That time may bring a range of emotional and physical challenges. Planning ahead may help relieve stress down the track. Here are three suggestions that may make a difference. Talk about your parents’ future It may not be
- [The real speed of trust](https://www.capstonefp.com.au/practice-perfect/the-real-speed-of-trust/) - “When trust goes up, speed will also go up and costs will go down”, says Steven Covey. A direct quote from the book ‘The Speed of Trust’. Steven uses this formula to explore the concept of credibility, authority and trust. It’s true, the more time you invest into creating your story, your value and your
- [How do I know?](https://www.capstonefp.com.au/practice-perfect/how-do-i-know/) - When it comes to spending money, all of us as consumers are looking for proof – convincing evidence of some type that encourages us to actually spend the money. And of course, the bigger the investment, the better and more compelling that proof needs to be. Social Proof Most of us appreciate the power of
- [Financial literacy for kids](https://www.capstonefp.com.au/news/financial-literacy-for-kids/) - Books can spark our imaginations, transport us to new worlds, and let us explore other times and other minds. They’re also an invaluable tool for learning. Here are some ideas to help kids of all ages learn about money and start developing their financial literacy. Kids aged 4-6 At this age, many kids will be
- [How fixed interest got its groove back](https://www.capstonefp.com.au/news/how-fixed-interest-got-its-groove-back/) - Looking for higher returns than cash in the bank with less volatility than shares and property? With interest rates generally considered to be at or near their peak, fixed interest investments, such as bonds and other credit investments, may offer an attractive ‘middle ground’. Interest rates represent the cost of borrowing money. They affect how
- [A guide to aged care](https://www.capstonefp.com.au/news/a-guide-to-aged-care/) - Moving into residential aged care can be an uncertain and overwhelming experience for everyone involved. On top of the personal and emotional challenges, there are a number of important decisions to make including which facility is most suitable for your loved one, what fees will they be required to pay and what to do with
- [8 tips to get a harder working home loan](https://www.capstonefp.com.au/news/8-tips-to-get-a-harder-working-home-loan/) - It’s lucky Aussie homeowners are a pretty resilient bunch. All the interest rate rises over the past couple of years have delivered a serious reality check, leaving variable rate home loans higher than they’ve been for a generation. So you need to get your home loan working as hard as possible particularly if your fixed
- [Navigating the transition to a successful retirement](https://www.capstonefp.com.au/news/navigating-the-transition-to-a-successful-retirement/) - Just as it is vital to invest in the financial planning, retirement planning must also focus on that other precious commodity – time. We live in an era of increasing longevity, and we have the opportunity to redefine the concept of retirement and create our own path forward – which may include working in some
- [50-30-20 Budgeting strategy](https://www.capstonefp.com.au/news/50-30-20-budgeting-strategy/) - Having a budget can help you stay on top of bills, pay off debt and save for long or short-term goals. There are many ways to go about it. One budgeting strategy is the 50/30/20 approach, which requires you to designate a portion of your earnings to three categories. Some of the benefits include being
- [How much super should you have at your age](https://www.capstonefp.com.au/news/how-much-super-should-you-have-at-your-age/) - Your super balance will most likely play a big part in how comfortably you live in retirement. But depending on how far off retirement is for you, it might be difficult to gauge whether your super is on track, or if you might need a bit more saved up to live the lifestyle you want
- [How to get better savings habits](https://www.capstonefp.com.au/news/how-to-get-better-savings-habits/) - Getting smart about savings Saving money doesn’t come naturally to everyone. Some people are wired to save – for others it takes a bit more discipline. But developing good savings habits can do so much for both your financial wellbeing and your future security. Just like money compounds over time, so do our habits. The
- [How to give your finances a health check](https://www.capstonefp.com.au/news/how-to-give-your-finances-a-health-check/) - How healthy are your finances? Isn’t it time you put your own financial wellbeing front and centre? You can take control of your financial future quickly and easily, with a simple financial health check. Just like your physical health, it’s worth giving your finances a checkup once in a while. Over time, unhealthy spending habits
- [What are the steps to investing](https://www.capstonefp.com.au/news/what-are-the-steps-to-investing-2024/) - Want to invest but don’t know where to start? Here are five basic steps for investing. 1. Define your goals Taking the first step on your investment journey may feel daunting. However, setting clear goals with achievable targets can be a good place to start in the planning process. 'I want to retire at 60
- [5 tips for managing your SMSF](https://www.capstonefp.com.au/news/5-tips-for-managing-your-smsf/) - Setting up your SMSF is just the beginning. Make sure you’re aware of your obligations as an SMSF trustee and get the most out of your fund with this quick guide. While the list of SMSF administrative tasks and responsibilities may seem daunting, it’s there for a good reason: to ensure your fund’s decisions protect
- [As scams evolve, so can you](https://www.capstonefp.com.au/news/as-scams-evolve-so-can-you/) - As scams continue to evolve, it’s important to stay on top of the latest information. Here are some tips for staying protected against some of the most common scams impacting Australians today and red flags to watch out for. What can you do to stay protected? Anyone can fall victim to a scam. As well
- [Australian household wealth](https://www.capstonefp.com.au/news/australian-household-wealth/) - Is high Australian household wealth a source of support for consumers? Key points Australia ranked as having one of the lowest rates of disposable income growth per capita amongst OECD countries in mid 2023. An increasing income tax burden and mortgage repayments have weighed on income growth, despite solid wages and salaries. But, household balance
- [Economic update February 2024](https://www.capstonefp.com.au/news/economic-update-february-2024/) - A rally in the second half of the month helped global share markets generate solid gains in January, extending the rally from November and December. The latest indicators suggest economic conditions are holding up quite well in most regions, which augurs well for corporate earnings. With inflation still above central bank targets, investors pared back
- [Falling inflation – what does it mean for investors](https://www.capstonefp.com.au/news/falling-inflation-what-does-it-mean-for-investors/) - Key points Inflation is in retreat thanks to improved supply and cooling demand. A further fall is likely this year. Australian inflation remains relatively high – but this mainly reflects lags rather than a more inflation prone economy. Profit gouging or wages were not the cause of high inflation. The main risks relate to the
- [Mortgage vs super where should I put my extra money](https://www.capstonefp.com.au/news/mortgage-vs-super-where-should-i-put-my-extra-money/) - It’s a dilemma many of us face – are we better off directing extra money to our mortgage or super? As with most financial decisions, it’s not a one size fits all approach and here are some factors to consider in deciding what’s right for you. Key takeaways: There may be tax advantages when you
- [The transfer balance cap – how does it work again](https://www.capstonefp.com.au/news/the-transfer-balance-cap-how-does-it-work-again/) - In the 2016 Federal Budget, the Government introduced the transfer balance cap as part of a broader superannuation reform package. The transfer balance cap imposes a lifetime limit on the amount of superannuation that can be transferred into a tax free retirement pension account. While it may appear straightforward, understanding its nuances is essential for
- [Want to earn more and keep your Age Pension](https://www.capstonefp.com.au/news/want-to-earn-more-and-keep-your-age-pension/) - Many people continue, or even start, working once they’ve reached Age Pension age. This may be for social reasons, personal fulfilment or to maintain their standard of living. With the higher cost of living at the moment, even more pensioners are taking up work. But what does this mean if you’re receiving the Age Pension?
- [A guide to SMSF insurance and estate planning](https://www.capstonefp.com.au/news/a-guide-to-smsf-insurance-and-estate-planning/) - Making a decision about life insurance is an essential part of your self managed super fund’s investment strategy and can provide a valuable benefit for members. Do your members need life insurance? Trustees are required to ask this question as part of the SMSF's investment strategy. Here are some things to consider, and tips to
- [An introduction to managed funds](https://www.capstonefp.com.au/news/an-introduction-to-managed-funds/) - Managed funds may give you access to a broader range of investment types by pooling your money together with other investors. Find out how they work and if they’re for you. If you want to diversify your investment portfolio and spread potential risk within and across different asset classes, sectors and geographic markets, you may
- [Five lessons learned in 2023](https://www.capstonefp.com.au/news/five-lessons-learned-in-2023/) - 1. Interest rate cycles can be different Students of economics are taught that monetary policy works with long and variable lags, up to 12-18 months. We had assumed that in the current cycle, the economy in 2023 would have been more negatively impacted from the rate hikes which began in May 2022. However, in the
- [Make your money work harder - pitfalls to avoid](https://www.capstonefp.com.au/news/make-your-money-work-harder-pitfalls-to-avoid/) - If there’s one rule of thumb for investors to bear in mind, it’s that “if it looks too good to be true, it probably is”. Be aware The expression “a fool and his money are easily parted” is not as relevant today as it once was. These days, scams and fake investment schemes can be
- [The money conversations you need to have](https://www.capstonefp.com.au/news/the-money-conversations-you-need-to-have/) - Although it can feel uncomfortable, talking about money is a good thing. Get some help from the experts to start positive conversations and keep things on track. Making money talk work for you When was the last time you talked about money? You might struggle to remember. Your personal finances or debt position are hardly
- [What to do if you're 55 and have no retirement plan](https://www.capstonefp.com.au/news/what-to-do-if-youre-55-and-have-no-retirement-plan/) - Key takeaways Strategies for fast tracking your retirement savings nest egg, such as debt elimination, additional super contributions and targeted investing. How part-time work and delaying receipt of the Age Pension can boost your retirement income. Retirement planning is one of those things that often gets pushed to the back burner. When you're young, it's
- [Five rules of money management](https://www.capstonefp.com.au/news/five-rules-of-money-management/) - No matter your income level or financial goals, everyone can benefit from developing strong money management skills. Here are five rules of money management that can help build a solid foundation for financial wellbeing. Key takeaways: Having a savings plan and an appropriate level of insurance cover can help insulate you from financial stress. Tracking
- [How first home buyers accessed $415m under the First Home Super Saver Scheme](https://www.capstonefp.com.au/news/how-first-home-buyers-accessed-415m-under-the-first-home-super-saver-scheme/) - Did you know, you could take advantage of potential tax benefits inside super to save for your first home? It’s been called the Australian Dream by many – owning a home. However, saving for a deposit on one can sometimes be challenging. For this reason, the government started the First Home Super Saver (FHSS) Scheme
- [Maximising wealth together: Super contributions for your spouse](https://www.capstonefp.com.au/news/maximising-wealth-together-super-contributions-for-your-spouse/) - Maximising super contributions for your spouse is a smart financial move that can benefit both your partner and your family's long-term financial security. By actively contributing to your spouse's super account, you not only help them build a more substantial retirement nest egg, but also enjoy potential tax benefits in the process. However, it's essential
- [Reducing risk in retirement](https://www.capstonefp.com.au/news/reducing-risk-in-retirement/) - We all think things will turn out better for ‘us’ than ‘them’. Such optimism can serve us well in life, but when it comes to money, balancing bias with facts is a much safer option. When it comes to your retirement there are four main risks that can impact your income: 1. Longevity risk As
- [A breakup is super hard - and can be hard on your super](https://www.capstonefp.com.au/news/a-breakup-is-super-hard-and-can-be-hard-on-your-super/) - Love song dedications are out the window and you’re wondering how you’ll move forward, not to mention divide your money, possessions and debts. But what about what you’ve saved in super? Breaking up is hard to do. It can be an emotional rollercoaster, with lots to consider – Do you have to move? Who’ll get
- [Getting your insurance cover right](https://www.capstonefp.com.au/news/getting-your-insurance-cover-right/) - Let's run through some things to keep in mind to decide what level and type of cover you need. Finding your insurance sweet spot It can take days – and a whole lot of stress – to figure out what type of insurance cover is best for you and how much of it you need.
- [Navigating the high cost of living in Australia](https://www.capstonefp.com.au/news/navigating-the-high-cost-of-living-in-australia/) - In this article we look at some of the ways you can better manage the high cost of living by investing, increasing your income or reducing expenses. Key takeaways Investing a portion of your income is one way you can keep up with a high cost of living. Shopping around for the best deals on
- [Outliving your savings](https://www.capstonefp.com.au/news/outliving-your-savings/) - While living a long and healthy life is a goal for most of us, it does raise a valid question. Is there a chance that you could outlive your savings? Why does living longer matter in retirement? The risk of outliving your savings is known as longevity risk. With Australians living for longer it is
- [Are bonds a good investment](https://www.capstonefp.com.au/news/are-bonds-a-good-investment/) - Let’s look at why you might consider including bonds in your investment portfolio and how interest rates affect their value. Key takeaways Bonds can provide a stable source of income and can protect the money you invest. They can generally be considered less risky than growth assets like shares and property in normal market conditions
- [Economic update May 2024](https://www.capstonefp.com.au/news/economic-update-may-2024/) - Encouragingly the International Monetary Fund (IMF) raised its global growth forecast for 2024, following ‘surprisingly resilient’ economic conditions. IMF officials now expect global GDP growth of 3.2% this year. Despite this positive news, major share markets lost ground in April following five months of unbroken gains. Ongoing geopolitical uncertainty, particularly in the Middle East, was
- [Millions to get more Age Pension starting from 20 March 2024](https://www.capstonefp.com.au/news/millions-to-get-more-age-pension-starting-from-20-march-2024/) - Government Age Pension payments increased on 20 March, so if you're one of the millions of eligible Australians, you’ll have a little more to spend. The increases are designed to help address inflation and cost of living increases. Here’s what happened. Age Pension payments increase in March 2024 due to indexation Here are the maximum
- [Seven lasting impacts from the COVID pandemic](https://www.capstonefp.com.au/news/seven-lasting-impacts-from-the-covid-pandemic/) - Key points Seven key lasting impacts from the Coronavirus pandemic are: “bigger” government; tighter labour markets; reduced globalisation and increased geopolitical tensions; higher inflation; worse housing affordability; working from home; and a faster embrace of technology. On balance these make for a more fragmented and volatile world for investment returns. But it’s not all negative.
- [The first home super saver scheme (FHSSS): a handy guide for homebuyers](https://www.capstonefp.com.au/news/the-first-home-super-saver-scheme-fhsss-a-handy-guide-for-homebuyers/) - The First Home Super Saver Scheme is a valuable initiative to help first time buyers overcome the challenges of entering the property market. Purchasing a home is a significant financial milestone, but the ever increasing property prices make it challenging for first time buyers in Australia to enter the market. To help ease this burden,
- [What is risk appetite](https://www.capstonefp.com.au/news/what-is-risk-appetite-2024/) - Risk is about tolerating the potential for losses. Understanding your risk appetite allows you to make well informed decisions about your money. For some people, risk means excitement and opportunity. For others, it invokes feelings of fear and discomfort. We all experience a degree of risk in our everyday lives – whether it’s simply walking
- [Why it’s time to consider currency hedging your portfolio](https://www.capstonefp.com.au/news/why-its-time-to-consider-currency-hedging-your-portfolio/) - With the Australian dollar trading below long-term averages and expected to rise as the US dollar peaks, it’s time to think about protecting overseas investments with hedging. The following are the reasons why: Hedging can offset currency movements Rising AUD could crimp returns on overseas assets. The Aussie dollar is below its long-term average against
- [Will cash remain king](https://www.capstonefp.com.au/news/will-cash-remain-king/) - Cash has been one of the best performing defensive assets over the past three years. When compared with global bonds (a riskier asset class), a typical portfolio of term deposits would have returned a cumulative 12.6% in comparison to -8.5% for global bonds over the three years to December 2023. With interest rates expected to
- [6 things to consider before investing](https://www.capstonefp.com.au/news/6-things-to-consider-before-investing/) - Investing your money may be an effective way to help you build long-term wealth. While it can seem overwhelming at times, given the breadth of options available, you don't need to be a financial expert to be successful at it. But as Warren Buffet says: "Risk comes from not knowing what you're doing.[i] So understanding
- [Do you know your Total Superannuation Balance](https://www.capstonefp.com.au/news/do-you-know-your-total-superannuation-balance/) - The total superannuation balance or TSB was a significant change introduced as part of the Government’s superannuation reform package, taking effect on 1 July 2017. However, unlike other changes, such as the pension transfer balance cap, the total superannuation balance has generally been overlooked despite its broad implications. If legislated, the Federal Government’s proposal means
- [Helping your parents financially while saving for retirement](https://www.capstonefp.com.au/news/helping-your-parents-financially-while-saving-for-retirement/) - Many people are finding themselves in a situation where they need to provide financial support to their aging parents. Balancing the responsibility of helping your parents financially while saving for your own retirement, is no doubt challenging. Effective financial planning can help you provide for your parents while still securing your own financial future. Assessing
- [How women can future proof their wealth](https://www.capstonefp.com.au/news/how-women-can-future-proof-their-wealth/) - Planning for retirement is a daunting task but it’s too important not to think about – especially for women. Fortunately, there are some small steps women can take today to protect and grow their finances for the future. It’s probably no surprise to hear that Australian women often retire with less money saved up than
- [Social media scams - who’s really following you](https://www.capstonefp.com.au/news/social-media-scams-whos-really-following-you/) - Cyber criminals are targeting people based on personal details and preferences – and reeling them in with professional looking follow ups. Find out how to protect yourself. Next time you like or follow a friend or a brand on social media, keep in mind that it may not be just your friends and family who
- [Super and tax - what's changing on 1 July 2024](https://www.capstonefp.com.au/news/super-and-tax-whats-changing-on-1-july-2024/) - They say nothing is certain in life except two things – death and taxes. Australians can probably add a third – the knowledge that come the end of financial year, the rules around superannuation and taxation will inevitably change. It can be hard keeping up with all the latest super and tax rule tweaks so
- [How to reduce your mortgage interest rate and fees](https://www.capstonefp.com.au/news/how-to-reduce-your-mortgage-interest-rate-and-fees/) - With interest rates continuing to rise, reducing your mortgage interest rate can be a great way to save money so you’re not out of pocket and can keep or invest more of what you earn. Here’s a four step plan that may help you decrease your interest rate and reduce mortgage repayments. Step 1: Negotiate
- [7 ways to get ready for tax time](https://www.capstonefp.com.au/news/7-ways-to-get-ready-for-tax-time/) - Here’s a quick checklist to help you prepare for the end of financial year and maximise your tax time benefits. 1. Understand your sources of income When it comes to tax, your wages are just the start. Income can come from all sorts of areas. Interest you’ve earned from bank accounts. Dividends you’ve received from
- [How debt can help you build long-term wealth](https://www.capstonefp.com.au/news/how-debt-can-help-you-build-long-term-wealth/) - Contrary to what some people may think, debt can help you build your wealth – especially if the debt is used responsibly with a clear plan and objective. In this article, we look at three ways that may help you to better utilise debt to increase your wealth over the long-term. ‘Efficient’ debt verses ‘inefficient’
- [Commonly Asked Questions - retirement planning](https://www.capstonefp.com.au/news/commonly-asked-questions-retirement-planning-2/) - Retirement is a major milestone in life, representing the end of years of hard work and dedication. It's a time to enjoy the freedom to pursue your passions and interests without being tied to a work schedule. However, to make the most of your retirement years, careful planning and consideration is key, particularly when it
- [How to protect yourself from super scams](https://www.capstonefp.com.au/news/how-to-protect-yourself-from-super-scams/) - Super and investment scams target your personal wealth by convincing you to invest in fake schemes and companies. A super scam is when someone tries to access your super and withdraw your money. An investment scam is when someone tries to convince you that an investment is real, so you invest your money in whatever
- [Tax time checklist for property investors](https://www.capstonefp.com.au/news/tax-time-checklist-for-property-investors/) - In Australia, investing in real estate isn’t the preserve of a wealthy elite. The nation’s 2.24 million property investors, owning a collective 3.25 million homes1, are everyday Australians – skilled tradies, small business owners and professionals. If you’re a property investor, being tax-smart can be just as important as buying the right place – regardless
- [What are some investment options outside of super?](https://www.capstonefp.com.au/news/what-are-some-investment-options-outside-of-super/) - When it comes to investing, you have two options – inside or outside of super. Super, being a longer term investment designed to fund your retirement, comes with a number of advantages such as being lightly taxed (which can mean, more money to invest in your financial future) but does have some constraints including not
- [Why you need insurance and what are your options](https://www.capstonefp.com.au/news/why-you-need-insurance-and-what-are-your-options/) - We don’t need insurance until we do. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part with your money. But maybe the real question should be “What if I became ill, how would we cope?” Your health and
- [Will I pay tax on my super when I retire?](https://www.capstonefp.com.au/news/will-i-pay-tax-on-my-super-when-i-retire/) - Tax is often the last thing on our minds when we're planning for retirement but it's important to understand how your retirement income will be taxed, so you can make the most of your savings. The good news is that super is a tax-effective way of building wealth for your retirement and the tax benefits
- [A guide to active and passive investing](https://www.capstonefp.com.au/news/guide-to-active-and-passive-investing/) - Investment funds can be broadly split into two categories – active and passive. And while both options play a part in an investment portfolio, it’s important to understand how each works before allocating money to them. Basics of passive investing Passive investing has gained momentum in Australia, and beyond, over the last decade. It could
- [Artificial Intelligence (AI): what does it mean for investing?](https://www.capstonefp.com.au/news/artificial-intelligence-ai-what-does-it-mean-for-investing/) - AI is revolutionising the world of investing in ways previously unimaginable. Technological advancements have continuously reshaped the way we invest and manage our money. One such example that has been gaining significant traction and attracting a large amount of attention in recent years is AI (Artificial Intelligence) investing. With its ability to analyse vast amounts
- [Decoding cognitive biases: what every investor needs to be aware of](https://www.capstonefp.com.au/news/decoding-cognitive-biases/) - Common human biases that investors should understand when it comes to investing is extremely important. These biases are ingrained in human nature, leading to tendencies to oversimplify, rely on quick thinking or exhibit excessive confidence in judgments, which may lead to investment mistakes. By gaining insight into these biases, investors may be able to make
- [Economic and market overview August 2024](https://www.capstonefp.com.au/news/economic-and-market-overview-august-2024/) - Australian shares fared well in July, buoyed by suggestions that no further interest rate hikes will be necessary. With inflation coming off the boil, there was optimism that borrowing costs have peaked and could be lowered later this year. In turn, this could be beneficial for corporate earnings. Returns from overseas shares were positive too,
- [How to determine asset allocation](https://www.capstonefp.com.au/news/how-to-determine-asset-allocation/) - Asset allocation is the process of dividing funds between different asset classes including cash, bonds, property and shares. This takes place as spreading resources across different asset classes can help diversify the portfolio’s holdings, which is an important way to manage risk. In theory, asset classes rise and fall at different times. So, when one
- [Is it worth salary sacrificing into super?](https://www.capstonefp.com.au/news/is-it-worth-salary-sacrificing-into-super/) - Let’s explore the ins and outs of salary sacrificing into your super and help you determine if it's worth considering as part of your financial strategy. We're all familiar with the concept of super. It's that portion of our salary that employers are required to contribute to a super fund on our behalf, with the
- [Mortgage versus super – a common dilemma](https://www.capstonefp.com.au/news/mortgage-versus-super-a-common-dilemma/) - Conventional wisdom used to dictate Australians were better paying off their home loans, and then, once debt free turning their attention to building up their super. But with interest rates ramping up over the past two years and uncertainty as to when they are likely to reduce, what’s the right strategy in the current market?
- [There remain five reasons to expect the $A to rise](https://www.capstonefp.com.au/news/there-remain-five-reasons-to-expect-the-a-to-rise/) - Back in November we saw five reasons to expect a higher $A. These largely remain valid and the $A seems to be perking up again. Firstly, from a long-term perspective the $A remains somewhat cheap. The best guide to this is what is called Purchasing Power Parity (PPP) according to which exchange rates should equalise
- [Contributions, when are they made?](https://www.capstonefp.com.au/news/contributions-when-are-they-made/) - Thanks to the evolving rules and additional tests, the world of superannuation contributions continues to be a source of confusion, resulting in misunderstandings and genuine errors. Whether it’s the work test, work test exemption, downsizer rule, bring forward rule, or carry forward rule, the area is a never ending array of snappy titles that are
- [Get 2024/25 off to a great start](https://www.capstonefp.com.au/news/get-2024-25-off-to-a-great-start/) - The beginning of the financial year is a great opportunity to review your financial situation, to make sure you’re on track and on top of changes happening across tax and superannuation. Here are five areas that you may wish to review early this financial year. 1: Make your tax savings work for you The personal
- [How do Aussie women’s finances stack up?](https://www.capstonefp.com.au/news/how-do-aussie-womens-finances-stack-up/) - Planning for retirement is a daunting task and many Australian women lack confidence in financial decision making. Fortunately, there are some small steps women can take today to make a positive difference to their future. It’s probably no surprise to hear that Australian women often retire with less money than their male peers. New research*
- [How old is too old for insurance?](https://www.capstonefp.com.au/news/how-old-is-too-old-for-insurance/) - Protecting your income during your working years makes sense. But once you – or your parents – grow older, is life insurance still important? We take a look. Life insurance for later in life As you age and your health starts to deteriorate, having a financial safety net and protecting your nearest and dearest may
- [Making the most of your retirement finances](https://www.capstonefp.com.au/news/making-the-most-of-your-retirement-finances/) - You’ve waited a long time to reach retirement, so how do you make sure your hard earned savings go the distance with you? There are a range of steps you can take before and after retiring to make the most of your retirement income. Getting in training For many people, switching to retirement can mean

## Pages

- [Home](https://www.capstonefp.com.au/) - Capstone is a leading, national independently-owned licensee with a complete range of back office support services to help you to grow your business.
- [Why Capstone](https://www.capstonefp.com.au/why-capstone/) - Why Capstone Home | Why Capstone We offer support services to help you grow your business We understand the challenges faced by financial advisers and accountants, which is why we deliver a highly personalised service with tailored support according to your business and advice needs.Our various authorisation tiers are coupled with a full range of
- [Who we are](https://www.capstonefp.com.au/who-we-are/) - Who we are Home | Who we are We focus on you Capstone was established in 2002 with a pioneering vision that fundamentally remains the same today:To help professional financial advisers become successful through the provision of a complete value proposition that had no product bias and leading-edge fees/charges. We have the resources you need
- [Testimonials](https://www.capstonefp.com.au/who-we-are/testimonials/) - Testimonials Home | Who we are | Testimonials We survey our advisers annually Capstone conducts an annual survey to measure the satisfaction of our advisers across our complete service offering, to ensure we’re continually evolving and providing the support they need. 92% overall satisfaction with our support services in 2025/26 94% would recommend Capstone to
- [Financial Services Guide](https://www.capstonefp.com.au/financial-services-guide/) - Financial Services Guide Home | Financial Services Guide Capstone Financial Planning This Financial Services Guide (FSG) is authorised by Capstone Financial Planning Pty Ltd (‘Capstone’, ‘we,’ ‘us,’ and ‘our’). Capstone has been operating since 2002 and holds an Australian Financial Services (AFS) License, allowing it and its’ advisers to provide financial services. Capstone operates nationally
- [Complaints Policy](https://www.capstonefp.com.au/complaints-policy/) - Complaints Policy Home | Complaints Policy Capstone Financial Planning This Complaint Policy has been produced by Capstone Financial Planning Pty Ltd (‘Capstone’, ‘we,’ ‘us,’ and ‘our’). Capstone is a privately owned and operated financial planning company. We are not owned by a fund manager, bank or other financial institution. Capstone advisers are equipped to offer
- [Privacy Policy](https://www.capstonefp.com.au/privacy-policy/) - Privacy Policy Home | Privacy Policy Our Commitment Capstone Financial Planning Pty Ltd (‘Capstone’) is committed to providing you with the highest levels of client service. We recognise that your privacy is very important to you. The Privacy Amendment (Enhancing Privacy Protection) Act 2012 sets out a number of Australian Privacy Principles. Our aim is
- [Our Solutions](https://www.capstonefp.com.au/what-we-do/our-solutions/) - Our Solutions Home | What we do | Our Solutions We offer a range of tiered solutions The level of authorisation that’s right for you will largely depend on the type of advice you provide and the level of support services you need. Generally, tiers 1 and 2 are suitable for accountants providing limited advice,
- [Our Four Pillars](https://www.capstonefp.com.au/what-we-do/our-four-pillars/) - Our Four Pillars Home | What we do | Our Four Pillars Our complete solution spans across four pillars of support Contact Us 1. Technology We provide more than just software support. Our team of system and process specialists help build advice framework efficiencies to improve your operational and advice procedures. We understand that time
- [What we do](https://www.capstonefp.com.au/what-we-do/) - What we do Home | What we do Our focus is on your success and helping you achieve your aspirations We provide comprehensive solutions to support your business. As a privately owned licensee we provide the resources, tools and support services you need. This includes an extensive Approved Product List through Lonsec including an extensive
- [Download Brochure](https://www.capstonefp.com.au/download-brochure/) - Download Brochure Home | Download Brochure Request our brochure We provide comprehensive solutions to support you to service and grow your business. Learn more about our four pillars of support and how we can help you achieve your desired outcomes. "*" indicates required fields First Name*Last Name*Email* Phone* Request Brochure
- [Our People](https://www.capstonefp.com.au/who-we-are/our-people/) - Our People Home | Who we are | Our People Fundamental to our success is our people At Capstone, you’ll be serviced by a team of highly educated specialists who have experience in both financial services and other professional sectors. Why is this important? Because it means they have a broader depth of knowledge and can
- [Contact Us](https://www.capstonefp.com.au/contact-us/) - Contact Us Home | Contact Us We're here to help If you would like to know more about joining our Capstone adviser network or just learn more about how we're different from other licensees – connect with us. We'd love to have a chat about your business goals and how we might be able to
- [Find an Adviser Thank You](https://www.capstonefp.com.au/find-an-adviser/thank-you/) - Find an Adviser Thanks . Your request to find an Adviser has been received. We will arrange for one of our advisers to reach out to you shortly. Return home
- [Find an Adviser](https://www.capstonefp.com.au/find-an-adviser/) - Find an Adviser Home | Find an Adviser We're here to help Please complete the following form so we can connect you with one of our qualified financial advisers. "*" indicates required fields First Name*Last Name*Email* Phone*State*Please select...ACTNSWNTSATASQLDVICWAPostcode*Areas of interest Aged care Centrelink Estate planning Investment advice and planning Investment portfolio management services Retirement planning
- [Join Us](https://www.capstonefp.com.au/join-us/) - Join Capstone Home | Join Us Join us today We're a little different from other licensees – and we love that. If you are seeking a reputable licensee, who's focused on you and your business, then reach out for a confidential chat and learn more about how we can help you achieve your business goals
- [Disclaimer](https://www.capstonefp.com.au/disclaimer/) - Disclaimer Home | Disclaimer Information contained on this site does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on
- [Our Values](https://www.capstonefp.com.au/who-we-are/our-values/) - Our Values Home | Who we are | Our Values Capstone - sharing your vision Our focus is on your success and helping you achieve your desired outcomes. Innovation We foster a culture of curiosity and passion for continuous improvement. We celebrate innovative ideas and aim to challenge the status quo. We strive to create

## Categories

- [News Articles](https://www.capstonefp.com.au/category/news/)
- [Corporate News](https://www.capstonefp.com.au/category/corporate-news/)
- [Practice Perfect Articles](https://www.capstonefp.com.au/category/practice-perfect/)