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Superannuation for most Australians provides a major source of retirement income. It has been widely acknowledged however that the current legislated Superannuation Guarantee (SG) contributions paid by employers for their employees is not sufficient to secure the retirement that most Australians would like to enjoy.


Despite limits being placed on the amount of superannuation you can personally contribute each year, superannuation is generally taxed at a rate of 15%, which is often lower than most client's personal income tax rate. As such, it can make sense to use superannuation as a vehicle to accumulate retirement savings.


Self managed superannuation funds (SMSF) are becoming increasingly popular. But the decision to use one should not be taken lightly. Individuals need to be aware of their obligations as a SMSF trustee. Areas where you may seek our advice are in investments and compliance, and we can work with your other advisers (e.g. your Accountant) to ensure you meet the legislative and regulatory requirements.


Working with a Wealth Matrix adviser provides you with the opportunity to consider all of the issues around your superannuation and self managed superannuation, as well as an effective way to reach your desired retirement goals.  


No two superannuation plans are exactly the same. That’s why seeking advice is so important. According to the Financial Planning Association of Australia, 50% of Australians are concerned they do not have enough money to retire on. In our own experience, we also know that those who do have enough, are worried about making it last and transferring it safely to the next generation.


We can help you answer questions like:


  • How much superannuation do I need?

  • How can I use superannuation to save tax?

  • Which assets should I invest my superannuation in?

  • Is self managed superannuation the right option for me?

  • How can I find lost superannuation?

  • What happens to my superannuation if I change jobs?

  • What happens to my superannuation if I divorce?

  • What happens to my superannuation if I become ill or worse?

  • When can I access my superannuation?


Superannuation planning, to be most effective, must start and end with your needs. Talk to us today about your superannuation.​​​​

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