Inspired Money

18/10/2026

15/10/2026

There's a viral video saying it's a "huge mistake" to leave your home to your kids in your will. 👀

MYTH: Your kids will have to sell the family home within 2 years or pay capital gains tax.

REALITY: If the kids who inherit the home already live there, and it stays their home until they sell, there's no deadline at all. They could sell in 10 or 20 years and still pay no CGT.

A few things can change that:

✅ Each child's share is tested separately. A sibling who lives elsewhere still needs to sell within 2 years.

✅ Moving out and renting it can start the tax clock.

✅ Buying out a sibling is treated as a fresh purchase.

The bigger risks usually aren't tax. They're about who stays, what's fair, and whether the will could be challenged.

We've broken it all down in our latest article. Link in below. 🏡

Know someone with adult kids still living at home? Share this with them.

https://inspiredmoney.com.au/capital-gains-tax-on-an-inherited-house/

General information only. Speak with an adviser about your situation.

13/10/2026

💚 A big personal milestone for one of our team.

Our resident guru money coach Daniel recently married Zahra, and we couldn't be happier for them both.

Daniel spends his working week helping clients turn their plans for the future into real, achievable steps. It's fitting to see him celebrating one of life's biggest goals with the person he's building that future with.

The team at Inspired Money is proud to work alongside you, Daniel.

Congratulations to you and Zahra on your marriage, and every best wish for the years ahead.

Please join us in congratulating the newlyweds.

07/10/2026

There’s no such thing as an “average” financial journey.

Bernard Salt AM’s latest post explores the most common ages associated with different relationship statuses, and offers a reminder that broad patterns don’t tell an individual’s whole story.

At Inspired Money, we believe your financial plan should reflect your life not just your age.

Starting a life together, navigating separation or adjusting to life after losing a partner can each bring a different set of priorities.

The starting point is understanding what matters to you now, and what you want your future to look like.

Has life changed since you last reviewed your financial plan?

Message the Inspired Money team to book a conversation about your next chapter.

I am no longer interested in the “average” Australian, no matter how this mythical creature might be defined. An average can be skewed by those who, well, aren’t at all average! Technically, an average doesn’t have to be common; it can happily exist as a notional mid-point within a statistic...

20/09/2026

Warren Buffett made his fortune picking stocks. But when it came to his own family, he chose something far simpler.

In his 2013 shareholder letter, he instructed that his wife's inheritance go 90% into a very low-cost S&P 500 index fund and 10% into short-term government bonds.

More than a decade on, the data behind that decision still holds up…

→ Every rolling 20-year period for the S&P 500 since 1900 finished positive (before inflation)
→ Fees compound just like returns, and a 1% gap can cost six figures over a working life
→ Recent returns have been exceptional, but a plan should rest on long-run numbers
→ Simple isn't the same as diversified. Tech now makes up over a third of the index

For most Australians, the first place to apply this isn't a brokerage account. It's super. What's it invested in? What does it cost? Does it match when you'll need the money?

Simple works. But simple still needs a plan.

What's the one investing lesson you wish you'd learned earlier? 👇



General information only. Past performance is not a reliable indicator of future performance.

18/09/2026

Half of all new self-managed super funds over the past five years were set up by Australians under 45.

That surprised a lot of people in our industry. Under-45s are only 15% of existing SMSF trustees, so this is a real shift, and it isn't being driven by tax. It's being driven by control.

When younger trustees were asked why they made the move, half said they wanted greater say over their own retirement savings. Many also wanted access to investments their big fund doesn't offer.

We think that instinct is a good one. Wanting to understand and direct your own super is exactly the mindset that builds wealth over 30 years.

But an SMSF is a real commitment. You become a trustee with legal duties, an annual audit, running costs, and an investment strategy you have to actually follow. For some people it's well worth it. For others, the same outcome comes from a better investment mix inside the fund they already have.

One figure worth sitting with: of the SMSFs that hold crypto, 47% have more than half the fund in digital assets. Control without diversification is just concentrated risk wearing a different hat.

Three questions before you set one up…

1. What can I do in an SMSF that I genuinely can't do now?
2. Does my balance justify the annual cost of running it?
3. Who's helping me build the investment strategy, not just the structure?

If those answers are clear, an SMSF might suit you well. If they're not, better to know now.

Thinking about it? Have a chat with us first, no pressure, just clarity. 💚

16/09/2026

Over the past five years, advised portfolios moved heavily into private credit. Netwealth data shows those allocations grew more than 700%. The appeal made sense, steady income of 8–10%, and less day to day ups and downs than shares or bonds.

This year, that promise has been tested. Some private credit funds have paused or limited withdrawals, and investors who expected to access their money quarterly are now waiting.

Meanwhile, the quiet achievers kept growing. Australia's ETF market more than doubled, from $170 billion at the end of 2023 to $372 billion by June 2026. ETFs are low-cost, transparent and easy to sell when you need to.

Investors are noticing. High net worth investors now plan to add to ETFs more than to anything else, and their intended new investment in private credit has roughly halved.

The lesson isn't to avoid anything unusual. It's this…

✅ Know why each investment is in your portfolio
✅ Know how quickly you can access it
✅ Make sure the money you might need soon is somewhere you can actually reach

Good investing isn't about chasing the highest return. It's about making sure your money is there when your goals need it.

If you're not sure how easily you could access your investments, that's a great conversation to have.

15/07/2026

Big news from the Inspired Money team, Daniel Volpe has been promoted to an Associate & Money Coach! 💚

When Daniel joined us from ANZ just over two years ago, he stepped into the Client Experience Officer role with one goal, to truly understand what great financial guidance looks like from the ground up.

Since then, he’s done exactly that. He’s completed his required coursework, learned the industry inside and out, and most importantly, shown up for our clients every single day with warmth, patience, and genuine care.

That’s what makes this promotion so special. Daniel didn’t just tick boxes. He earned this by putting people first, asking the right questions, and never stopping learning.

As an Associate & Money Coach, Daniel is now taking on his own coaching clients, helping everyday Australians build better money habits, get clear on their goals, and take confident steps toward achieving them.

If you’ve been thinking about getting your finances sorted but don’t know where to start, Daniel would love to help. Reach out to our team to book a chat with him.

Congratulations, Daniel. We are so proud of you! 👏