Do you have a plan with clear financial goals that’s likely to enable you to live the retirement lifestyle you desire?

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Super

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In January 2019, ASFA* reported that – when compared internationally – Australians need to do more to ensure they have higher and more enduring income in retirement. ASFA found that people need to increase:

► their retirement savings
► their super contributions, and/or
► the length of their contribution period.

If you’re earning a fair wage and relying only on your employer superannuation contributions then chances are - by the time you’re ready to stop working – you won’t have accumulated enough to enjoy a comfortable retirement. And with an aging population, there is no guarantee that the Government age pension will be around as we know it today. You’re right to be concerned.

Hope is not a strategy

Do you have a plan with clear financial goals that’s likely to enable you to live the retirement lifestyle you desire? Or are you just crossing your fingers and hoping it will all be OK? Hope is not a strategy, but there are things you can do and getting financial advice should be top of your list.

Start planning now...

Our financial planners have an in-depth knowledge of superannuation. They know that investing for the long term in a tax-effective environment can build substantial wealth for your retirement years. We can help you to take full advantage of this with strategies including:

► Optimising the most appropriate super contributions
► Forecasting what you will need in retirement to fund your desired lifestyle
► How to minimize the amount of tax you pay
► Investment allocation, advice and risk versus return advice
► Transition to retirement (TTR) pensions 
► Downsizing your home
► Redundancy advice
► Insurance within super

Don’t just hope for the best. Make an appointment with one of our financial planners today and ensure you can retire right.

*The Association of Superannuation Funds of Australia (ASFA) report Australia’s super system stacks up well internationally, January 2019.