Services / Superannuation.

Build wealth, your way.

For most people, superannuation offers an extremely tax effective way to build wealth, and lately, generous tax concessions along with a high level of investment flexibility make superannuation a compelling proposition for the majority of Australians.

So if you are serious about achieving financial independence, getting your superannuation house in order should be a high priority.

Which fund is right for you?

Generally, there are three types of superannuation funds: industry, retail and self-managed (SMSFs). The differences between these three options are significant, so it is important to choose the right path forward.

Very briefly, Industry super funds generally have fairly limited investment options available to their members but can be less expensive. Retail super funds on the other hand typically offer more investment choices such as cash, term deposits, managed funds and direct shares, for a slightly higher cost. SMSFs, which have been extremely popular in recent years, are ideal for those people who want maximum investment flexibility and control over their fund’s investments, which can include direct property.

Despite what you may have read or the advertisements you’ve seen, any one of these alternatives can be a perfectly acceptable option, and all are available to most individuals whether in pension phase, pre-retirement or just starting out.

Forward motion = optimism and confidence.

Deciding on the best way forward will really depend on your personal investment goals, your personal attitude towards investment risk and your preferred level of control. The options are numerous and you will either need to do some serious ‘homework’, or use a qualified financial adviser to point you in the right direction. But most importantly, choose to act today.

Too many people are having the wrong ‘conversation’ and are suffering because of it. We guarantee that a clear roadmap, coupled with decisive action, will not only greatly enhance your financial position but will also create greater ease, optimism and confidence. Let’s talk.