Super advice & planning - manage one of your biggest assets

Superannuation is money that will let you enjoy the time of your life when the time comes to retire, so take control of your super today!

Your superannuation is likely to be one of your most important financial assets, outside of your ability to earn an income or property, and it is designed specifically to provide you with money to live on in retirement.

The money you have in super is taxed at a rate which is generally lower than money you invest outside of super. Furthermore, you have the flexibility to invest your super money in a number of different assets, in the same way you can with your non-super money.

It’s your money and that’s why it makes sound financial sense to take control of your super today. A good place to start is to ensure the super fund you use suits your needs. Decisions on how your money is invested in super, as well as when and how much to contribute above any employer contributions, are all important.

The choices made in regards to your super today will affect the amount of funds you have available to enjoy life after work. So it’s never too early to start understanding how you can maximise your super in order to produce the results you want.

Your FinChoice financial adviser can guide you through all the decisions you need to make with your super. By getting to know you – and what you want in the future, we can provide tailored advice, tracking your progress at every stage and helping you fine-tune your super strategy to achieve your goals.

The important thing is to start today!

Everything you need to know about superannuation

What's special about super?

Superannuation is money that will let you enjoy the time of your life when the time comes to retire, so take control of your super today! There's a lot to love about super – it's your nest egg that is growing for the future. Best of all, it's your money and you have control over how it is invested at every stage.

Watch this short video to find out more about super.

Things to consider

What’s so special about super?

Everything! During our working life, your employer makes contributions to your super fund. How easy is that? This money is invested in the way that you choose, giving your super savings the benefit of compounding investment returns – which means you can generate returns over time on your reinvested earnings.

Money for a rewarding retirement

When you retire, your super offers a source of cash to fund the lifestyle you want to lead in your retirement years, whether that be taking a world trip, renovating your home, exploring new hobbies or simply enjoying a relaxing lifestyle.

Super is tax-friendly

Money held in super is lightly taxed. This is a real plus because more of your money goes to work investing for your future. Super can also be a tax effective way to pay your life insurance premiums.

Pick your investment strategy

Just because your super is designed for retirement doesn't mean you don't have control over the money today. You can – and should, let your fund know how you'd like your super invested by nominating the investment strategy that suits your goals.

It’s worth choosing the fund that suits you

The vast majority of workers have the freedom to choose their own super fund, and it’s definitely something worth doing. It will help you keep track of your super and let you and your family enjoy the protection of a low cost life insurance strategy that has been tailored to meet your needs.

Consider adding a bit extra

You have the flexibility to add extra contributions to your super, and this is an easy way to grow your nest egg over time. Even small additional contributions can grow to something big by the time you retire.

We believe that every Australian should have access to financial advice they can trust and afford. Our transparent and consistent pricing menu allows you to choose only one or more areas of advice that you want addressed so you know exactly what it will cost you hidden fees, no surprises!

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Our clients are at different stages in their lives and who have different needs and priorities. Whether you have a single need or want a full financial plan, we'll help you work out the advice you need now – or help you work towards a goal for the future that requires ongoing support and until it's achieved.


We work with you to make the most of what you have for the life you want to live.

Financial advice isn’t just for the wealthy. We help Australians just like you everyday - whether you’ve just started your career and you’re looking to protect your income or you’re well under way on your financial journey and want to build your wealth. Our team will keep you on track to achieve real results. We can help you with cash flow management, personal insurance, superannuation, investment, retirement or estate planning needs.


Superannuation FAQs

You can legally access your super when you reach your ‘preservation age’ which is the minimum age until which your super must be preserved. This is usually between 55 and 60 - depending on when you were born. Once you reach that age, you can access your super as long as you are permanently retired. Alternatively, you can access your super after the age of 65.

If you are a PAYG employee, the minimum super your employer must pay each quarter is called the super guarantee (SG).

Currently the SG is 9.5% of your ordinary time earnings (OTE).

OTE is usually the amount you earn for your ordinary hours of work. It includes things like commissions, shift loadings and allowances, but not overtime payments.

If you would like to contribute more money to your super, you can enter into a salary sacrifice arrangement with your employer.

If you were to enter into a salary sacrifice arrangement with your employer, you agree to have some of your salary or wages paid into your super fund instead of to you. These contributions are taxed in the super fund at a maximum rate of 15%. Generally, this tax rate is less than your marginal tax rate.

It is important to note that there are caps on the amount you can contribute to your super each financial year if you want to avoid being taxed at higher rates.

More than $25,000 a year in concessional contributions will attract a higher tax rate.

Your financial adviser will be able to show you whether overpaying your mortgage versus making additional contributions to your super fund will be beneficial to your bottom line. At the end of the day, it all comes down to your unique financial situation, age, income and broad financial goals. If you would like to know whether you should overpay on your mortgage or make additional contributions to your super fund, speak to your adviser today.

Self-managed super funds (SMSF) are a great way to take charge of your superannuation and plan for your retirement. It is important to note that all self-managed super funds need to be run by you. You will also be responsible for any investment decisions and ensuring you’re complying with super and tax legislation.

There is no set figure required to start an SMSF but it is recommended that you talk to your adviser.

There is no hard and fast rule as it depends on your unique financial situation, goals and needs. The best thing you can do is speak to an adviser if you are considering an SMSF.

If you are over 18 and earning more than $450 each calendar month, your employer is required by law to make super contributions on your behalf. If you are under 18 and work more than 30 hours a week, your employer should also be making super contributions.

You can check that you are being paid super by looking at your payslips and super account records.

It is a good idea to consolidate super accounts if you have more than one so you only have to pay one set of fees. You can also ask the ATO or your super fund to look for missing super contributions.

As a general guide, there are a number of key elements to look for:

  • Your account balance
  • Contributions from your employer
  • Fees including administration, management and contribution fees
  • Insurance cover
  • Personal details and tax file number

This will depend on your circumstances so you should seek the advice of your financial adviser in evaluating whether you should have insurance cover.

Super is the way that Australians save for retirement and it is important as it is the savings that you will use when you leave the workforce.

Yes. Your financial adviser can provide advice on what you can do when it comes to your super and how it is invested. Most super funds let you choose between different investment strategies or options.

Look at the product disclosure statement (PDS) for your fund to find out how each strategy or option works. From there, you may wish to change your investment strategy depending on your age and your openness to risk.

Switching is easy. You just need to fill out a rollover form and send it to your new fund. Your financial adviser can also help you consolidate your super and look for any lost super you may have from previous jobs.

In order to switch to another super fund, you will need proof of identity. If you do choose to switch funds, you should make sure you inform your employer so they can make contributions to it.

You can search and retrieve any lost super by contacting your local financial adviser, or by logging onto the MyGov website.