Your Top 3 Questions from FarmFest 25 — Answered by Us
Real conversations. Practical perspectives. Explore the top questions from FarmFest 2025 and the broader considerations they raise.
Earlier this month, the DP Wealth team joined thousands of attendees at FarmFest 2025—Queensland’s premier agricultural field day. It was a pleasure connecting with our rural clients, many of whom balance life as farmers, business owners, and financial decision-makers for their families.
Across those conversations, a few common questions rose to the surface. Below, we’re sharing the top three—along with the considerations we offered on the day.
1. “What should I do with my CBA shares?”
This was one of the more frequently asked questions at FarmFest. Here’s some context:
- CBA is currently trading well above the 12-month target ranges set by many analysts. Part of this strong performance has been driven by demand from Asian hedge funds, which have been redirecting capital away from China and into Australia. CBA—being one of the most liquid and widely held companies on the ASX—has become a natural target for that investment.
- A limited number of sellers is also supporting the current share price. Many long-term shareholders, including those who purchased shares during the bank’s privatisation in the 1990s, are hesitant to sell—often due to potential capital gains tax implications. This reduced supply can place upward pressure on pricing.
- Term deposit rates with CBA are currently exceeding the bank’s dividend yield. That’s a rare scenario and may indicate how highly valued the shares are at present.
Ultimately, whether to hold or sell depends on a number of personal factors—your financial goals, tax position, and investment strategy among them. If you're considering making a change, it’s important to speak with your financial advisor before taking any action.
2. “Should I be paying extra into super now or later?”
Deciding whether to contribute extra into super now or wait requires careful consideration of both your short-term needs and long-term goals. The answer will look different for everyone—but here are a few key questions to ask yourself:
- What’s your age and ideal retirement timeline?
- Do you have stable income and enough cash flow to support additional contributions?
- Could your contribution strategy impact your Centrelink eligibility later on?
- Are you across your current contribution caps and tax position?
Some people may benefit from contributing earlier, particularly when considering the impact of compounding returns, available tax concessions, and the effects of dollar-cost averaging.
That said, superannuation is a preserved asset—meaning you won’t be able to access those funds until you reach preservation age. If you’re managing farm operations, business investments, or family expenses, it may be wise to balance super contributions with other forms of accessible savings or investment.
Understanding the difference between concessional (pre-tax) and non-concessional (after-tax) contributions is also important. Each has different implications depending on your income, tax position, and longer-term goals.
3. “Is now a good time to invest—or should I wait?”
This is a question many investors wrestle with—especially in uncertain or changing market conditions. Here are a few things to consider:
- Trying to time the market can be extremely difficult—even experienced investors don’t always get it right.
- What often matters more than when you invest is how you invest:
- Your timeframe
- Your diversification
- Your asset allocation
- As the saying goes, time in the market often beats trying to time the market—especially for long-term investors.
- One approach to consider is Dollar Cost Averaging—investing a set amount at regular intervals. This can help smooth out short-term market movements and reduce the stress of trying to pick the perfect moment.
If you have funds set aside and are unsure when to invest, a structured, goal-aligned plan can help you move forward with confidence.
The Takeaway: Practical Questions Deserve Personalised Advice
At DP Wealth, we believe financial confidence comes from clarity—and clarity starts by asking the right questions. Whether you're navigating long-held shareholdings, super contributions, or the timing of a new investment, the right answers are rarely “one-size-fits-all.”
We’re here to help individuals and families make informed, strategic decisions—whether you’re building wealth, transitioning to retirement, or planning for future generations.
Have a question of your own?
Call our Toowoomba office today on
(07) 4690 2588 or
book a confidential consultation with our advisory team. Let’s build a strategy that works for you.
