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Superannuation

Superannuation is the largest long term investment many Australian’s have. However many of us have lost count of how many superannuation accounts we have or where they are, let alone the amount of fees being paid on each account.

There are many ways to ensure your superannuation is growing, and the first step should always be to collate your superannuation funds and move them into the one account. This will ensure you are reducing fees and have knowledge of your super funds and balance.

There are other methods one can utilise to grow their super, one being contributions. Most commonly, contributions are made by you, your spouse or your employer. However you may be able to grow your super by utilising contribution strategies like government co-contributions based on your personal contributions and income or by salary sacrifice contributions, an arrangement with your employer to sacrifice some of your pre-tax salary. You should always seek advice prior to deciding if a contribution strategy is suitable for you.

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Please note the advice provided on this website is general advice only and does not take into account personal circumstances and/or financial particulars. For this reason, please take into consideration your financial goals and personal circumstances before acting on any of the information provided.

 

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Superannuation

Super is one of the most important accounts many Australians will hold in their lifetime, do you know your superannuation account balance? Are you sure of how many superannuation accounts you have?

If you have ever changed your name, address or employment, you may have some lost super.  A member is recorded as having lost super when their account has been inactive for two or more years. This is your money and future retirement. You are likely to be paying fees on your lost super, which can decrease your balance over time.

Why not locate your missing super monies and collate them in one fund ensuring you are only paying one set of fees with the option of having your life insurance premiums paid through your superannuation fund. Not only minimising your out of pocket expenses but ensuring your super is working for you.

Life Insurance

Do you want “Peace of Mind” – knowing your family is protected financially in the event of your death? Life insurance does that. Life insurance is taken out by an individual to provide a financial payout in the event of your death. Policies generally provide a lump sum payment and therefore provide financial stability to the nominated beneficiaries.  There are many different life insurances including term life insurance, total permanent disability (TPD) insurance, trauma insurance and income protection.

We are an Australian owned company and are able to compare up to 15 insurance companies with an instant quote for you to make an informed decision.