Superannuation & Retirement Funds

Superannuation should be one of the cornerstones of your retirement plans.

We live in a society where medical breakthroughs and modern technology are increasing our life expectancy. With the number of Australians aged over 65 set to double in the next 20 years, there will be enormous strain on the Government pension system.

Going forward, without doubt, Government strategy will continue to be focused on making Super an attractive method for self-funding our retirement and lessening the strain on the social security system.

The amount of contributions you make and the investment performance of your funds will be critical in determining whether you outlast your super or you do not.

The advent of the Superannuation Guarantee Levy (SGL) system means that all employed Australians will have a superannuation fund of some description. For those changing jobs, they may have several. The indroduction of the Super Choice legislation means many employees can select a supaerannuation fund of their choosing for these SGL contributions.

Unfortunately the levy contributions alone will not be enough to create a sufficient nest egg. Are you accumulating enough for your retirement needs?

The earlier you start your savings strategies, the greater the likelihood you will be able to enjoy your retirement.

We can advise you through the whole process including:

  • Reviewing your current superannuation fund/s.
  • Providing advice on the establishment of an SMSF (Self-Managed Superannuation Fund), if appropriate to your circumstances.
  • Providing a recommended portfolio of investments for your fund.
  • Providing advice on Retirement Planning.
  • Providing advice on Allocated and Superannuation Pensions
  • Providing ongoing advice and management on maximising the after-tax returns of your fund.
  • Helping you to minimise taxes payable on the earings of your fund. This can be achieved through the receipt of franking credits from specific shares, while fund expenses such as insurance premiums and management fees are deductible.

Superannuation should be one of the cornerstones of your retirement plans.

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