Superannuation

It’s never too early or too late to think about your superannuation. Did you know that next to owning a home, for many people superannuation will likely become their biggest asset? It can also be a tax effective way to invest your money.

We take the time to understand what your goals and needs are and can help find a plan that works best for you.

Here are some things we will look at with you:

  • When should you start contributing to your super?
  • Should you salary sacrifice?
  • What are the benefits if you contribute for your spouse?
  • Should you consolidate your super funds?
  • Do you have any lost super?
  • When should you start topping up your super?
  • Can you take advantage of the Government's co-contributions?

We’ll be able to answer these questions by:

  • Reviewing the performance of your current super fund in relation to your goals
  • Making recommendations based on your goals and circumstances.
  • Recommending alternative fund providers for superannuation products.
  • Reviewing any insurance opportunities including buying insurance through your superannuation fund.

What to do next:

If you want to make the most of your money in the best years of your life, contact us today.

Choosing your own super fund:

These days most people are able to choose who they’d like their employer to contribute to on their behalf (rather than being automatically made a member of the employers’ fund). This is known as super choice, or choice of fund.
But does it really make a difference?

Here’s some things to think about:

  • What is a choice of fund?
  • Am I eligible to choose my super fund? If so, what do I do?
  • What is a 'default' fund?
  • What happens if my employer doesn't make contributions to the fund I choose?
  • What happens if I don't make a choice or make an invalid choice?
  • When will my employer start making payments into my chosen fund?
  • Can my employer reject my choice of super fund?
  • How often can I switch to another super fund?

And here’s how we can help:

  • Advise if choice of superannuation fund laws affect you.
  • Review the performance of your current super fund.
  • Make recommendations about your super arrangements based on your goals and circumstances.
  • Recommend alternative fund providers for superannuation products.
  • Review any insurance opportunities including buying insurance through your super fund.

What to do next:

If you want us to help you with your choice of super fund contact us today.