Welcome to the Capital and Finance Blog

  1. Should I Consolidate My Super?

    Should I Consolidate My Super
    Turn on your TV, read any number of personal finance magazines, or browse the internet for superannuation funds, and chances are you will be inundated with invitations to ‘consolidate your super’.

    So, is this something you should be doing and do you really need to consolidate your super?

    It is a well-known fact that Australians have multiple superannuation accounts.

    In fact, it is…

  2. Capital and Finance: September 2017 Update

    Here are some articles we thought you would find helpful from the September 2017 issue of ‘Prepare for Life’.


    Does ‘transition to retirement’ still work?
    – Many readers will be familiar with a popular superannuation strategy referred to as ‘transition to retirement’. However, with the superannuation reforms that were introduced from 1 July 2017, some are questioning whether the transition to retirement is still a…


    The 2017 Federal Budget, delivered by Treasurer Scott Morrison on 9 May 2017, was (in a nutshell) restrained. The government’s key message was; ‘stronger growth, guaranteeing essential services, and tackling the rising costs of living’.

    Containing a number of ‘big ticket’ items at its core, this budget is relatively benign in its impact on most of us. However, the most polarising issues came from announcements made before the Budget was brought down – which…


    Hardly a week goes by without the mainstream media mentioning superannuation. It certainly remains at the forefront of many conversations around the country at the moment!

    The changes to superannuation that were announced in the 2016 Budget have now (mostly) made their way into legislation.

    While a lot of attention has been given to the steps that need to be taken by 30 June 2017, now is an opportune time to look at some of the…


    These days we don’t need to carry any cash. Just one small plastic card, or our mobile phones (hello ApplePay!) and the world is our oyster. We can buy almost anything we like simply by hovering our card over a small terminal at a shop of our choice.

    Recently, a new coffee shop opened in the foyer of my building. I was intrigued that the shop advertises itself as ‘cashless’. That is, you can only…

  6. 6 Steps to a Brighter Financial Future in 2017

    Here are ASIC’s MoneySmart New Year financial tips to make your money work for you.

    According to research conducted for ASIC, only 25% say they have a long term plan, while about 45% of Australians say they have a short term financial plan in place.

    1. Review your finances

    ‘Work out your short, medium and long term financial goals and priorities and put a plan in place to…

  7. Don’t ignore Super till it’s too late

    Next year is already shaping up to be a very big year, particularly in the superannuation space! Lots of exciting things will be happening!

    You may be aware that the 2016 Federal Budget contained far-reaching announcements affecting superannuation – perhaps the biggest changes since Peter Costello’s budget back in 2006.

    Although the changes were announced a while ago (except for one that has since been dropped) they are…

  8. Christmas An increase in cheer and a decrease in funds

    Did you know that the most generous people in Australia (when it comes to spending money at Christmas time) live in New South Wales (NSW) with an average spend that month of $548 per person and, sorry, but the people from Victoria are actually amongst the cheapest!, with an average spend of only $401.(1)

    The good news is that 60% of people pay for their Christmas presents using…

© 2018 Capital And Finance. All rights reserved.