Author: Capstone FP

8 tips to get a harder working home loan

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…
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Contributions, when are they made?

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…
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How do Aussie women’s finances stack up?

How do Aussie women’s 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…
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How old is too old for insurance?

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…
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Get 2024/25 off to a great start

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…
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Mortgage versus super – a common dilemma

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 at…
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How to determine asset allocation

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…
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Is it worth salary sacrificing into super?

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…
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