Superannuation

Start thinking about a super strategy today, and you may thank yourself in the years to come.

What we do:

• Analysis of existing superannuation fund, fees, investment allocation and performance

• Determine how much you need to accumulate to fund your anticipated lifestyle in retirement

• Review your current superannuation structure and its ability to continue to meet your needs through accumulation, income payment and inter-generational wealth transfer

• Rolling over and/or consolidating superannuation money

• Find your lost super money

• Consider the implications of withdrawing funds from superannuation

• Identify investment strategies designed to produce capital growth / income over the long term

• Identify ways to structure superannuation to maximise benefits for dependants

• Recommend a suitable portfolio administration platform for your investments

• Review your tolerance to different types of investments and ensuring you are invested in a manner comfortable to you. 

Every working Australian needs a super strategy – here are some quick ideas:

Advice:
Financial advice isn’t a guarantee that you’ll have more for retirement but it raises the likelihood of making good decisions.

Salary sacrifice 
Consider a salary sacrifice arrangement to top-up your super contributions and get more money working for you.

Options 
You’re weighting between defensive (cash, fixed interest), growth (equities, property) and balanced options should be calculated according to your risk profile, goals and life stage.

Change 
Invest in the market, not the fund. Avoid changing your options depending on fund performance: past performances are not an indicator of future performance.