Making
your super work
Do
you have other super accounts?
In
most cases you can rollover super accounts you have
with other providers. By consolidating your accounts
you will take more control of your superannuation, avoid
duplication of administrative fees and have one statement
to help you track performance. Call us for assistance
in facilitating rollovers on your behalf.Lost
track of superannuation?
In the first instance, if you have any old statements
we might be able to assist you. Otherwise contact the
Australian Tax Office's Lost Members Register or try
Boost
super through Salary Sacrifice
Check
with your employer to see if you have the option to salary
sacrifice into superannuation. This involves investing
your wages before tax is taken out. If you have the option
to salary sacrifice, contact us for a calculation on how
this could benefit you.
Will
you have enough to retire?
Do
you know if you will have enough to retire? We can prepare
a superannuation projection for you to see how much
your super is expected to amount to. We can also help
you set targets for retirement and advise on a super
strategy to achieve these targets.Have
you selected the right strategy?
Is
your super invested in shares, property or fixed interest?
Australian or International? If you don't know the answer
to these questions, note that being in the wrong strategy
means you may miss out on the potential for higher returns
or may be exposed to an inappropriate level of risk.
A financial adviser can assist you with determining
the best strategy.
Tax
effective and rebateable contributions
Spouse
contributions, government co contribution, self employed
contributions - all of these have specific tax advantages
that may be beneficial to you depending on your tax
and work status. If you think you may be eligible please
contact us for an assessment on a case by case basis.
DISCLAIMER
The content of this article contains general securities
advice only, which is not intended for any particular
client. In preparing the content, Ethical Investment
Services Pty Ltd has not taken into account any particular
customer's investment objectives, financial situation
or particular needs. Accordingly, before acting on any
advice contained in the content, you should contact
your financial adviser to consider whether the advice
is appropriate in light of your particular investment
needs and circumstances.
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