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If one of your financial goals is to fund a comfortable retirement, then you may decide to invest additional money in superannuation. Superannuation is considered one of the most tax-effective ways to save for retirement.

Superannuation allows you to invest your money across a wide range of asset classes. You can usually choose a mix of these investments, in line with your feelings about risk and return. Likewise, you can generally choose which professional investment managers will look after your money in the fund.

To encourage all of us to provide for our own retirement, the Government offers various benefits and concessions within superannuation. These include the Government Co-contribution, the opportunity to Salary Sacrifice and other incentives that may make superannuation an attractive investment option whether you are an employee or self-employed.

There's also the option to set up or increase your life insurance cover through your superannuation fund. Premiums may be more affordable because they are generally lower within a superannuation fund, and are paid from contributions rather than after-tax earnings. As there are potential tax considerations on benefits paid you should obtain professional advice when considering these options. We will be pleased to help you determine if it’s appropriate for you.