Superannuation
Superannuation
Superannuation - Personal
We assist with your retirement planning and work through with you what you need to do now to achieve your retirement funding goals. We have software available which will provide you with an easy to understand illustration of savings required to achieve these goals.
The sooner you start the easier it is to achieve what you want.
There are some very good "Master Trusts" available which provide access to a large number of investment options and fund managers.
What difference can 2% make?
The following projections are based on $1,000 invested now and the value of it in 10, 15, 20, 25 and 30 years time. This illustrates the enormous effect a small difference in your superannuation returns can make over your working life.
| Rate of return | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years |
| 6% | 1,791 | 2,397 | 3,207 | 4,291 | 5,742 |
| 8% | 2,159 | 3,172 | 4,661 | 6,848 | 10,062 |
| 10% | 2,594 | 4,178 | 6,728 | 10,835 | 17,450 |
| 12% | 3,106 | 5,474 | 9,647 | 17,001 | 29,962 |
| 14% | 3,707 | 7,138 | 13,748 | 26,470 | 50,966 |
| 16% | 4,411 | 9,266 | 19,461 | 40,874 | 85,849 |
| 18% | 5,234 | 11,974 | 27,393 | 62,668 | 143,369 |
| 20% | 6,192 | 15,407 | 38,338 | 95,397 | 237,378 |
If you have monies in various funds it is a good idea to consolidate these into the one fund in order to keep track of your retirement savings. We are only too happy to help you with completing rollover requirements.
Superannuation – Corporate
Provide your staff with a sophisticated yet simple to understand superannuation plan which they can control for themselves.
We choose from a panel of 12 “Master Trusts” to tailor a staff superannuation fund to suit your needs.
All staff superannuation funds differ in various ways. Our role with our background knowledge is to choose and present to you for your choice two of the most suitable funds taking into consideration a range of factors including things such as:
- Range of investment options taking into account the age range of your employees
- Automatic acceptance levels of insurance cover included in the fund given the number of staff and their profile
- Inclusion of income protection or “long term sick leave funding”
- Fee structure
- Ease of administration for your administrative staff
- Ease of access to information and investment choice for your employees
Our service to you includes:
- Seminar to your staff at installation of fund
- “One on one” counseling of your staff at initial set up
- Annual group review presentation to your staff
- Available all year for advice and to answer queries and assist with advice
- Ongoing advice and assessment of your fund.
