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Superannuation
We work together with you to build the right Superannuation plan tailored to your needs and goals.
Superannuation
Superannuation is extremely important in planning your financial future, ensuring you have sufficient super balance when you retire. At LIFESUPERPLAN, we help you make the most of your Long-term savings plan, offering personalised advice on the best pension scheme platforms and investments within that platform to maximise your retirement savings.
Why Superannuation Matters for Your Future
Superannuation is critical to ensuring you have enough savings to live comfortably when you retire. Retirement Savings is vital so one has enough capital to live the desired lifestyle during retirement. Thus, investing your super money in a fund which has a transparency towards how your money is invested by providing access to sophisticated investments across the globe during the working period can help to achieve a considerably higher super balance in the retirement age.
Key benefits of optimizing your superannuation include:
- Tax Benefits: Super contributions and earnings have a preferential tax treatment, allowing one to save more for retirement.
- Investment Growth: Retirement funds are pooled funds that are put in shares, property, and fixed interest and can grow over time.
- Employer Contributions: Your employer must contribute to the super fund regularly, which helps you save for retirement.
- Flexible Contribution Options: You can contribute further and more to your superannuation, which means that you can save more in steps.
How LIFESUPERPLAN Can Help You Maximize Your Superannuation
Choosing the right super platform, investment options and asset classes can be confusing, but with proper guidance, one can maximise their savings towards retirement. If you are currently struggling or feel overwhelmed with the concept of selecting the right retirement fund, managing your investments, or making contributions, LIFESUPERPLAN is here to help you.
1. Tailored Superannuation Advice
We know that each person’s retirement plan varies from one person to another. That is why at LIFESUPERPLAN we offer an individual consulting service, considering your superannuation, intended savings, and acceptable levels of risk. For independent professionals, our team of specialists will help you to develop the right approach, which helps to get the most out of the super while paying as little in fees and taxes as possible.
2. Choosing the Best Superannuation Fund
It can be daunting to decide which retirement fund to go for given the many options available. We can assist you in comparing retirement funds based on the investment asset classes, cost of fees, insurance, and customer service to ensure you get the best fund for your needs.
3. Superannuation Investment Strategies
Super funds provide many choices between low-risk investments and high-risk investments as well. We will assist you in developing a suitable investment strategy depending on your retirement plan and risk tolerance. Therefore, we aim at developing a bespoke investment solutions in order for your super to grow consistently.
4. Boosting Your Super with Additional Contributions
Apart from employers, you can also increase your super by regularly making other extra contributions to your fund. We’ll explain how to get more value by making additional contributions, either by salary sacrificing or post-tax dollars, to maximise your tax-effective benefits on growing your super.
5. Super Consolidation
The problem is that many people in Australia have multiple retirement accounts, and that is a rather inefficient situation when you have to pay too many fees and have a rather complicated system. It might be helpful for you to consolidate your superfunds into one of the accounts, which can save you money on fees and make your savings more manageable.
The Importance of Superannuation for Retirement
Superannuation should represent one of the significant sources of your retirement income. It is recommended to approach savings planning in advance so that one has enough financial resources to live on, travel and maintain a decent standard of living during retirement.
An excellent superfund is another way of ensuring that you are financially well off throughout your retirement period, and, therefore, you do not have to worry about living a quality life in your retirement.
Key Factors to Consider When Choosing a Superannuation Fund
Here are the key factors we evaluate to ensure you’re in the best superannuation fund:
- Investment Performance: A super fund’s returns directly affect the growth of your superannuation savings for retirement. The types of various investments in a superfund platform allow you to invest your super money.
- Fees: Fees charged often reduce the overall balance that one has been accumulating over time. We research super funds and conduct a detailed cost vs benefit analysis, which will give you a clear picture.
- Customer Service: Your super fund should be able to help you with details about your account information, financial advice, and assistance when needed. We will assist you in selecting an appropriate fund with a high rating in customer relations.
- Transparency : It’s your retirement savings and you should clearly see how and where your super money is invested. We will search on various superfunds which can provide you with the highest level of Transparency regarding your investments.
Plan for Your Future with LIFESUPERPLAN
Superannuation is one of the most important assets you’ll accumulate. LIFESUPERPLAN will provide you with recommendations for investing in your super and achieving a comfortable retirement. Contact us today to begin planning your financial future and how we can guide you on the most beneficial super fund options to meet your requirements.
Looking for a detailed insight into Superannuation planning
Explore our complete step-by-step guide to Superannuation
F&Q
The amount of super you need depends on your retirement goals and lifestyle. We recommend working with a financial advisor to estimate your future needs and develop a plan to reach them.
The best superannuation fund for you depends on the types of investment asset classes and your ability to diversify your super money across different sectors globally. We can help you compare funds to find the best one that best suits your needs.
Yes, you can contribute voluntarily to your super from your pre-tax or post-tax income. These contributions can provide tax advantages and help grow your retirement savings.
If you change jobs, your super contributions will continue to be paid into your existing super fund unless you choose a new fund. We can help you consolidate multiple super accounts to reduce fees and simplify your savings.
