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Superannuation Advice

It’s more than just a super fund

Superannuation, at its core, is a tax effective way to save for retirement.

For most people, super begins at the start of your career and involves your employer paying a portion of your salary or wages into a super fund on your behalf. Generally, you are not able to access this money until you retire and meet your “preservation age”, which is 60 if you were born after 1 Jul 1964 and earlier if born before 1 Jul 1964.

Super funds invest your money in a range of areas such as shares, property and managed funds. They may also offer different types of insurance, such as life insurance and income protection.

But there is much more to Superannuation advice. At Navigate, we have helped many of our clients understand how their super works and what entitlements they have to grow and keep track of their super. Below are some areas of superannuation advice we can help you with:

  • Is the fund you are in the right fund for you?
  • Are the investments in the fund set up to maximise earnings in line with the level of risk you are comfortable with and your long term goals.
  • What level of insurance is there in your super fund? Is this right for you or do you need to make changes?
  • What is your contribution strategy? Is it helping you get to where you need to get to and reducing your tax?

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    Put yourself on the path to financial success. Speak to one of our expert advisers today to discover how we can help you.