Looking for some super basics? You’ve found them.
We can help you set yourself up for a retirement you can live with and live on. It doesn't have to take heaps of time and energy. Your super is a bit like a self-watering pot plant – a little TLC now and then goes a long way towards a healthy result.
Super is a way to save for retirement.
Your employer usually contributes a percentage of your salary to your super fund. It’s a good idea to top up these contributions using your own money. Sometimes the government adds to your super through co-contributions, too.
We invest your savings, so your money grows over time. This means when you retire, you will have money to live on.
What makes super so special is the way it is taxed. Unlike the returns on other investments, which are typically taxed at marginal income tax rates (as high as 45%), super investment returns are generally taxed at only 15%.
This low rate of tax means super can potentially grow in value faster than other investments.
There are heaps of reasons to grow your super, some of these are:
you might live to be 100, so your money needs to last
the cost of living will keep going up
the age pension alone won’t fund a comfortable retirement
investing in super has tax benefits
you might be eligible for bonus contributions from the government.
We can show you simple ways to boost your super so you’ll likely have more money in retirement – and some of them won’t cost you a cent!
Need fast info to get you on track for a comfortable retirement? Try our super easy Retirement $ projector.