There has been much ado about Apple losing its edge. Really? This is a 40-year-old technology company with almost $50B a quarter in sales and over $10B in profits. It has recently introduced a Watch, which is ramping up slowly, continues to sell vast quantities of iPhones, and has seen a healthy increase in Mac sales.

Traditionally, Apple introduces new iPhones in September of each year, this year should prove no exception. You can tune in on September 9 at 10 a.m. PDT to watch the keynote announcement live. Every other year, the iPhones are radically different in size and features, as they were in 2014. In-between years tend to feature improvements in speed and battery life. The big news this time around in 2015 is likely to include a significantly improved camera.

Some improvements tend to sneak up on you: for example, electronic payments is one such area with 400 banks and credit card issuers now involved. This will drive both iPhone and Apple Watch sales, and bring electronic payments from a niche offering into the mainstream.

Should you buy the new model? The key factor is when did you last upgrade? If you got an iPhone 6 in 2014, then you are already set up for electronic payments, so the primary advantage in upgrading would be to get a better camera.

If you have an iPhone 5S, it is showing signs of age now: the battery may no longer hold a charge as well as you would like, and you may find the screen size is a little cramped. Also, you may be running out of internal storage, as apps increase in size, and your picture and music libraries continue to expand.

What are reasons for holding out for another year? Mainly, saving money. The iPhone 5 and 5s are enough for most people. They take decent pictures, run the latest version of iOS, and integrate with the Watch. So, you may decide to put off upgrading the phone and get a Watch instead.

And for a different take, why even stick with Apple? Samsung continues to produce a variety of phones, in different sizes, to fit every budget. They are stable, quick and reliable. They are also not the only game in the Android town, with several successful competitors such as LG and Motorola with excellent phones on offer.

Back to the iPhone, however, the most compelling reason for moving to Apple, or staying there and upgrading your phones, is that they have become the gold standard for both interoperability and security. There’s only one manufacturer building both the hardware and the software. If there are bugs or security holes, they only have to be squashed in one place. There’s only one set of integrations with corporate systems, and one set of apps to design if you support the iPhone.

Many years ago, in the 1970’s and 80’s, the commonly-held view in the business world was that no one ever got fired for recommending IBM. Guess who’s now partnering with Apple these days, and planning on buying 200,000 Macs for employees by the end of 2015? – IBM.