Superannuation

Whether your requirements are for information and advice on an employer's fund, a private fund or personal contributions, our Senior Manager Financial Planning has the expertise to advise you on all matters relating to superannuation as part of you wealth creation strategy.

Superannuation refers to the accumulation of wealth while you are working, to help meet the cost of living when you retire. In Australia, superannuation investments can be eligible for special tax concessions.

What are the advantages of using a superannuation investment?

• Investment earnings are taxed at a concessional rate;
• You can add to your investment on a regular basis*;
• Your access to your investment is restricted, so you can't be tempted to spend it before you retire;
• You may be eligible to claim a tax deduction for your superannuation contributions*;
• Your superannuation can go with you when you move around the workforce.

Tips and Traps

• Contributions may be subject to tax;
• You will need to consider the implications of having restricted access to your money;
• Investment returns on superannuation investments are typically influenced by economic and market conditions and your investment may increase or decrease in value;

You should consider receiving financial planning advice to determine an investment strategy that would enable you to meet your financial requirements in retirement.

*Conditions apply