UNIQsol

01/09/2026

💰 Super Fund Fees Explained

Do you know what you’re paying for?

Super fund fees cover the costs of managing your account and investments. They can include:

🔹 Administration fees – running your account and member services
🔹 Investment fees – managing your investments
🔹 Performance fees – may apply when investments outperform a benchmark
🔹 Buy/sell spreads – costs associated with investment transactions
🔹 Insurance premiums – if you have insurance through your super

Why do fees matter? 📈

Super is a long-term investment, so even small differences in fees can add up over time and affect your retirement balance.

But cheapest doesn’t always mean best. When comparing funds, consider the total fees, investment option, insurance and, importantly, the performance you receive after fees and costs.

💡 A good first step: Check your latest super statement and see what you’re paying.

Understanding your fees means understanding your super and can help you make more informed decisions about your financial future.

🔗 Click the link below to read the full article 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...

25/08/2026

Navigating redundancy – make it work for you! 💡

Being made redundant, particularly later in your career, can leave you feeling blindsided and uncertain about the future. The key is not to panic.

A redundancy can also create new financial and lifestyle opportunities.

Before making any decisions:
🔹 Understand your redundancy payout and tax implications
🔹 Check you’re receiving what you’re entitled to
🔹 Review your immediate financial needs and spending
🔹 Consider what to do with any remaining funds
🔹 Think about your longer-term goals, including retirement

With the right planning and advice, an unexpected redundancy could become an opportunity to rethink your finances, explore new possibilities and take the next step towards the lifestyle you want.

💬 Speak with a financial adviser before making major financial decisions to ensure your options are right for your circumstances.

Click link to read more: https://www.capstonefp.com.au/news/navigating-redundancy-make-it-work-for-you/

17/08/2026

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.
Click the link to learn more https://www.capstonefp.com.au/news/understanding-the-rules-and-obligations-of-an-smsf/

09/08/2026

Which super strategy fits your age?

If you’re likely to retire within the next 10 or 15 years, there are several strategies you can use to build your super faster.

03/08/2026

The 10/30/60 rule suggests your retirement income comes from three sources.

To achieve your retirement goals, it’s therefore critical to earn a good return on your money while you’re retired, not just while you’re making contributions.

29/07/2026

Is your super on track for your age?

👀 See the latest balances for Australians at every life stage using data from the ATO and ASFA; and what those numbers really mean for your retirement.

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 matt...

22/07/2026

📈Not economically savvy?

Not to worry, this short guide will help you learn the basics on the economy and improve your financial know how!

The economy: learn the basics in 5 minutes https://www.capstonefp.com.au/news/the-economy-learn-the-basics-in-5-minutes/

15/07/2026

💰 How Healthy Is Your Super?

Your super is one of your biggest long-term investments.

When was the last time you gave it a Super Health check?

✅ Use this quick checklist to review the health of your super:

✔️ Check your contact details are up to date.
✔️ Review your super balance and ensure your employer contributions are being paid correctly.
✔️ Search for any lost or unclaimed super.
✔️ Check that your nominated beneficiary is current.
✔️ Review whether you have multiple super accounts and consider consolidating them to help reduce fees.

A regular super health check can help keep you on track and ensure your retirement savings are working as hard as you are.

📅 If it's been a while since you reviewed your super, now is the perfect time to start.

30/06/2026

Developing a retirement savings plan!

📝 While saving for retirement can seem somewhat daunting, there are a few simple strategies to use.

~ Explore your super contributions
~ Consider your spouse’s super
~ Explore your super investment strategy
~ Explore a transition to retirement pension
~ Pay off the mortgage or grow super?

Read the link to learn more or call our office to make an appointment with our Financial Planner 🔗 https://www.capstonefp.com.au/news/developing-a-retirement-savings-plan/

23/06/2026

💡A Financial Adviser can help with strategies for your now & the future.

🎯 Whatever your goals, getting advice can help bring you closer to achieving them.

📈 Plan with confidence.
💰 Build your future.
🌟 Take the next step towards your financial goals.