What we hear most when it comes to superannuation.


"I like my super fund and don't want to switch."

Then reviewing it and comparing it to best in show options should give you peace of mind.

Loyalty should be earned with great service and an offer of the best possible return for your investment. Every super fund corporation should be eager to compete for your business. If they aren’t, why not?

What we care about is how it is performing for you. We believe the right investment option for you is the one that puts you in a better position in retirement. At the end of the day, when you retire you get a cheque based upon a string of numbers after a $ sign.

We also factor in your insurances – do they cover what you need to cover and at the right amount? 

Service is important as well. Because we are a smaller, family owned business, we can treat you like a human, and not a number. We get to know who you are and what your needs and dreams are. This helps us work with you year after year as your needs and dreams change.

Ultimately, because we don’t work for any specific super fund corporation, we can maintain objectivity.

"My super fund is growing."

By how much? Is this with or without your contributions? Does the reported return include fees and your contributions, or not?

The only objective of our service is to see if it’s possible to improve your superannuation and your situation in retirement.

When you retire, you get a cheque. The amount on that cheque depends on how much your super has grown over the years. 

"My super fund has the lowest fees."

We often get what we pay for.

The fee is only one element of many that contributes to how much you will end up with at retirement. Your balance at retirement is likely the thing that matters more…

To put another way. If you retire with $10K, $100K, or $1 Million less than what you could have had, you won’t be thinking “at least I paid the lowest fees.”

We want to help you find the investment that gives you the biggest cheque when you retire.

"Making any change is too risky."

All investments have risk – just like all choices, and non-choices. 

This is why we connect you with a fully licenced financial adviser. Their job is to defend your money which reduces your risk. In fact, their livelihood depends on it.

The choice to ignore or improve a long-term investment like superannuation will have a compound effect year after year.

"I can't afford financial advice."

All advice pertaining to your super fund can be paid by your super. This means that there are no out of pocket expenses for you.

In this sense, you are being incentivised to get financial advice. If the advice of our partners is able to increase the return of your investment, and therefore substantially grow the balance of your investment over time – with the fees of the adviser included – it’s a no brainer. 

Superannuation 101

What is a super fund?

Superannuation is a tax effective way to save for your retirement. It’s similar to a managed fund where your money is pooled with other members’ money and invested on your behalf by professional investment managers. Generally you will not be able to access this money until you retire. Your employer will make contributions to your super fund and you can top it up with your own money. The government may also make contributions if you are a low income earner.

My employer set up my fund, what does that mean for me?

Then you likely have been defaulted into a one-size-fits-all investment product.

Many super funds make it easy for employers to set up standard, default investments for their employees. It’s a great and efficient system for them, but because it’s set up for any and everyone, it’s likely not the best investment for you.

What is a default super fund?

A default fund is simply a standard, one-size-fits-all investment.

The first problem here is that it puts you in the dark. With a default setup, you are unlikely to know how your money is invested or where you are on track for at retirement.

But the second problem is much more significant. It’s a harsh reality, but that default setup is likely to come with low returns.

The sooner you look into this the bigger of a difference it will make for you and your future. The alternative is to ignore it and just hope for the best.

What is an industry fund?

An industry fund was originally created for workers of a specific industry. For example, construction is usually CBUS, retail is usually Rest, and hospitality is usually Host Plus. 

However, the industry you work in says very little about your investment needs or retirement goals… To put another way, a construction company owner, foreman, and new hire are all in very different financial situations. It takes about 10 seconds of thinking to realize that these individuals need different superannuation setups. But for some reason many are under the impression that CBUS would be the most ideal fund for them, just because they work in the same industry.

We think this logic is nuts.

Your investment needs to be tailored to you to get you the result that you want. You are not the same person as everyone else who works in your industry, and therefore you should not be invested the same. Like any other fund, an industry fund can be tailored to suit you and get a better result at retirement.

My superannuation statement says I'm doing great!

When super funds send out their statements to clients, they put how much their fund has grown at the very top, and this often says something like 20%. Take a moment right now if you have your superannuation statement and see what your super is telling you.

The problem is that this number often includes your contributions, not the actual rate of return on your investment.

In our opinion, this is misleading. You aren’t being given the true picture of how your Super is performing. Your Super is likely underperforming if they are hiding your real rate, and in some cases, you could be losing money. And nobody is telling you…

Here’s an Example. Let’s say you have 100,000 in Super, over the year you invest 15,000, and your fund grew by 5%. By next year, your fund will be at 120,000.

Is that a 5% return or a 20% return?

The real rate of return is 5%, but many supers will say 20% – you see your annual statement and think, great! My retirement is going to be excellent!

Let’s wind back the clock and start at 100,000 again. You invest 15,000, and your Super lost 2% on the market.

Is that a -2% return or a 13% return?

The real rate is -2%. If you saw -2%, you would take action, quickly. But most Supers put 13% up top. 13% is great! And you think your retirement is shaping up nicely…