Superannuation

From the day you start work until the day you retire, superannuation contributions form the basis of a great financial plan. The favourable tax concessions on contributions and investment earnings make it an attractive structure for growing your wealth.

When you are starting out, your super contributions are a powerful way to take advantage of compounding returns. As you move through your working life, you can look at more sophisticated strategies for accelerating your super through salary sacrificing, non-concessional contributions and reviewing your investment options.

We can help identify opportunities and position your investment strategy to securely build your superannuation portfolio. 

Lets take a closer look at how you can benefit. 

Superannuation


From the day you start work until the day you retire, superannuation contributions form the basis of a great financial plan. The favourable tax concessions on contributions and investment earnings make it an attractive structure for growing your wealth.


When you are starting out, your super contributions are a powerful way to take advantage of compounding returns. As you move through your working life, you can look at more sophisticated strategies for accelerating your super through salary sacrificing, non-concessional contributions and reviewing your investment options.


We can help identify opportunities and position your investment strategy to securely build your superannuation portfolio. 


Lets take a closer look at how you can benefit. 

Consolidating Your Super

As time goes by and you pass from job to job, it is not unusual to end up with several super accounts. This can result in poorly managed or inappropriate investment choices. Even if you have just changed address and have not told your superannuation fund, you may lose access to your super simply because your fund cannot track you down.


We can help you to get your super working harder by consolidating funds.

Employees Can Boost Their Super

You have the freedom to make voluntary contributions to your super, so that you can accumulate savings for the retirement you really want. Earnings within super are taxed at concessional rates, giving it a natural advantage over other forms of long term investment. 


We can discuss options for making personal contributions, spousal contributions and salary sacrificing so that you feel confident you are making the most of every opportunity to save for your retirement. 


It is never too late to boost your super but the sooner you do it, the longer time period you have to accumulate retirement funds, often without making much of an impact on your salary.       

Taking Advantage Of Government Incentives

To further encourage retirement savings through super, the government offers targeted incentives for those who may need more support. Our advice can help you identify what incentives you might be eligible for including: 


  • The spouse contribution scheme, which allows you to make contributions into your spouse’s superannuation fund 
  • If you make a personal contribution to superannuation from your after tax income, you may be eligible to receive a co-contribution from the government. 


We can advise if you qualify for entitlements as part of your overall super strategy 


Taking Advantage Of Government Incentives

To further encourage retirement savings through super, the government offers targeted incentives for those who may need more support. Our advice can help you identify what incentives you might be eligible for including: 

  • The spouse contribution scheme, which allows you to make contributions into your spouse’s superannuation fund 
  • If you make a personal contribution to superannuation from your after tax income, you may be eligible to receive a co-contribution from the government. 

We can advise if you qualify for entitlements as part of your overall super strategy