Superannuation provides a world of opportunity to the well advised. But those who put it in the 'too hard' basket are often left lamenting the opportunities they've forgone. We specialise in supporting the right outcomes to help you avail yourself of the best in strategies pertaining to superannuation for your individual circumstances.

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What you need to know

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Superannuation is often the cornerstone that generates the income that people need in retirement. It is the one thing that you can invest in that is specifically designed for that purpose. However, without the right advice, it’s often misunderstood, underutilised, put in the too hard basket or just plain ignored.

 

At WealthView Financial, we specialise in retirement planning advice to help you make the most of the wonderful opportunities that superannuation offers. Superannuation is complex and constantly changing, so our ongoing support will help ensure that your strategies meet the ongoing challenges and opportunities that superannuation provides.

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Maximising your super

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The government provides generous tax incentives to encourage Australians to invest in super with contributions being taxed at 15% rather than the personal income tax rate of up to 49%, including the medicare and temporary budget repair levy. You might consider setting up a salary sacrifice arrangement with your employer, allowing you not only to make super contributions from your pre-tax salary but also potentially reducing your income tax bill.

 

Also for many, there is capability to make large voluntary contributions (known as ‘non-concessional’ contributions) to superannuation to prepare yourself better for generating greater retirement income. For example, if you receive an inheritance or windfall, or even sell an asset such as an investment property leading up to retirement, get the right expert advice from us at WealthView Financial to make the most of this opportunity.

 

It is never too late to take control of your super, so talk to us about how our advice and support can make a real and tangible difference to your financial outcomes in retirement.

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How much super is enough?

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To calculate how much super you’ll need in retirement, you will need to know:

• Your estimated life expectancy

• How much annual income you want to receive in retirement

• How much super you’ll need to produce that level of income.

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A professional financial adviser can help you answer these questions, explain the various options available to you, and provide advice on the best strategy for your situation.

 

At WealthView Financial, we can provide advice on the most effective way to build your super balance and achieve your retirement goals within your time frame.

 

The sooner the better

 

Super is one of the most tax-effective investments available. Because it is by nature a long-term investment, the sooner you start to contribute to it the more time your money will have to grow. Over time you’ll earn interest on your interest, as well as on your regular contributions. The same rule that applies to investments also applies to super – regular investing is the key to steady growth.

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Sound advice is the key to success

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As you will see from the case studies below, a carefully thought-out strategy could make all the difference to achieving your goals.

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WealthView Financial offers knowledge, expertise and experience. We’ll take the time to understand your individual circumstances and retirement goals, and then recommend appropriate superannuation strategies to help you achieve them. 

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To find out how to maximise your potential returns from super, call 1300 807 500 or email us today.

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