Superannuation

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Superannuation (or super) is a fund specifically designed to help you save and invest for your retirement.

It’s restricted as you generally can’t withdraw from super until you retire or reach your preservation age (that’s the intention, although there are special conditions of release).

And super funds are set up as trust funds. This means a trustee is appointed to manage the fund on behalf, and for the benefit, of its members.

Super receives special tax treatment compared to your other money. When it comes to investing over the long term, there aren’t many better tax-effective ways to save for your retirement.

Lower taxes and more investment options – such as local and international shares, property and fixed interest investments – offer your super more potential to grow.

Why do I need Superannuation planning?

Retirement planning should start as soon as possible after you start working because the longer you delay, the fewer options you will have and the harder it's going to be to reach your retirement income goal. 

Benefit for working with us

Our adviser will work with you to determine your statistical life expectancy (and therefore how long your retirement income will need to last), the lifestyle you want to have in retirement, the expenses that may still need to be covered and the likely impact of inflation.

With this information in hand he or she will discuss the various investment options and your risk tolerance level.