FINAnCial planning

Why is super so important?

You might think of super as just 9.5% of your salary that you can't access. But it's important to remember - it's your money, it's just being held for you until you retire.

The main idea behind superannuation is to help you build a nest egg which you then use to create an income in retirement (or semi-retirement).

Including it as part of your financial plans can be important for a number of reasons:

  • The Age Pension may not be enough for a comfortable retirement
  • You may spend over twenty years in retirement and your money will need to last.
  • Because super enjoys the benefits of compound interest and a long investment time frame, it could be your largest asset by the time you retire.
  • The government is offering attractive tax incentives.

How tax-effective is super?
For most people, saving through super can be much more tax effective than saving the same amount outside super. Firstly, any contributions your employer makes (up to a certain limit) and any returns on your super are taxed at a maximum of 15%, rather than your marginal tax rate which could be as high as 47%.

Our Superannuation Advice
Our superannuation advice covers:

  • Ascertaining the appropriateness of additional superannuation contributions
    You may spend over twenty years in retirement and your money will need to last.
  • Superannuation strategies including retirement planning and maximising death benefit payments
  • Superannuation investment rules including borrowing for property in superannuation
  • Self Managed Superannuation Funds (SMSF).


Unit 1, 51 Township Drive Burleigh Heads QLD 4220


1300 172 292 or
(07) 5520 6810


(07) 5677 0699


Looking for finance? We’ve got you covered!