What your Superannuation Statement isn’t telling you

When super funds send out their statements to clients, they put how much their fund has grown at the very top, and this usually 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 (in many cases) is that this number 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…

  • If this is you, keep reading. Or just call us now to fix the problem: 1300 AGAT (2428) 00
  • If it’s not you, great! Pat yourself on the back for having a straight-shooting Super. Send us a message even, we’d love to share your story 🙂
  • If it’s not you and you know someone that has this problem, send them this article, they’ll thank you!

Your Actual Rate of Return

You don’t care how much your Super grew with your contributions included. Of course it grew if you paid into it! If it didn’t, then you would have a very low performing Super fund indeed…

You care about how much your fund grew due to the quality of the investment.

Ask yourself – why would my Super hide the real rate of return? Why would they artificially increase the percentage?

Maybe, it’s because your Super could be doing better. We exist to help you find out if it’s possible. In most cases, it is, and the majority of the people who talk to us see a strong increase to their Super projection.

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.

Find Your Real Rate

Just call us. Grab your statement, give us a call, and let’s lift the hood on your Super.

The call is free. Seriously. We exist to help every Aussie with their Super. Let us help you too.

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Philip Richards
Philip Richards
07:23 14 Nov 19
A pleasant experience and great customer service. I am looking forward to seeing some results from the changes i have made. All staff i spoke to were very helpful and explained things well.read more
David young
David young
07:55 08 Nov 19
Wow, what a difference compared to my old super fund. Jarrod was incredibly helpful and made the whole process painless. I’m so glad I picked up the phone. I’m actually excited about the outcome and can’t wait to tell my family and friends.read more
Andre Massoud
Andre Massoud
22:34 07 Nov 19
Can I say that it was the best experience with a finance company I’ve ever had! Jordan was very professional, well spoken, clear and concise and extremely knowledgeable. He allowed me time to grasp and understand the information he was sharing with me and with plenty of respect and room for questions. Highly recommendedread more
amjeck .
amjeck .
06:32 29 Oct 19
This has made working my finances. I have been able to understand all that has been done for me and feel far more secure for my future. Jordan was a real star. He was polite and fun and helped me from start to finish. He knew his stuff and helped me too. My husband has also sorted out his finances and it has given us peace of mind. My husband also worked with Jordan and found him to be kind and considerate. Thank you so much for getting our finances back on track! We could not have done this ourselves. We would (and have) recommended AGAT Business to our friends and family.read more
scott Gray
scott Gray
09:17 24 Oct 19
Fantastic service and couldn’t rate AGAT Business high enough. Jarrod was extremely professional to help direct me and set up my new superannuation with Netwealth who have made the transition effortless through there professionalism also. Customer care is first class and your never left waiting which is very important to meeting any concerns and needs with anything financial.read more
Neil Walker
Neil Walker
00:26 24 Oct 19
I have found all these people to be great to deal with, prompt and efficient in there work. And look after there clients needs very well. Thank you. I recommend getting on board with them. Thanksread more
Veronica Murray
Veronica Murray
06:35 26 Sep 19
So helpful and informative was a pleasure speaking with the guys an helping me understand the financial ways of the market hopefully we can have a long happy relationshipread more
Tina Balmer
Tina Balmer
21:10 14 Sep 19
Daniel and the team at AGAT were amazing. They explained everything clearly so we could understand and we are now going to make alot more in our super. The ongoing support is 10 out of 10. Great to deal with.read more
Nicholas Shymansky
Nicholas Shymansky
04:43 10 Sep 19
Superannuation was never something I thought about, but after talking to the team at AGAT I realised the impact that setting the fund up correctly can have on my retirement. I’d recommend going through the process with AGAT regardless of what your financial situation is, or what your goals are for retirement. Their team has been great to me.read more
Paul Ainsworth
Paul Ainsworth
21:18 25 Jul 19
I spoke with a nice young man who clearly wanted to help me and had my best interests at heart. He organized a professional report and Consultation for me with a trained informative financial advisor. As a result I will now be $300,000 better off when I retire. Thank you guys you are awesome.read more
Wendy Moorcroft
Wendy Moorcroft
09:31 25 Jul 19
I cannot recommend this team more highly after the contact I have had with them thus far. I have very limited funds in my super after spending the majority of my ‘post working’ years as a stay at home mum, so to discover I could increase my existing super by around 3 times what it would be if I did nothing within 12 years without contributions has made my day! This is only the beginning of my experience with Sean, Kyle and the team but I am confident they will be a huge influence in how I invest other funds and also be great advisers for my two sons. So thankful our paths have crossed and I look forward to an exciting few years ahead watching my little pot of gold grow into something more substantial. Thank you!!!read more
Antonio Notte
Antonio Notte
03:57 03 Jul 19
The team are friendly professional and easy to deal with! They recently did a review into my superannuation and couldn’t be more happier with the results! Highly recommendread more
Paul Thorstensen
Paul Thorstensen
00:23 28 Jun 19
The team at AGAT were extremely accommodating and helpful. They showed me what my current superannuation setup looked like and then provided a simple solution to improve my situation in retirement. Highly recommend their service!read more
Lachlan Harrison
Lachlan Harrison
02:50 18 Jun 19
AGAT helped me consolidate all my super, and with the advice I was thousands of dollars better off. The financial advisers then helped me with my insurances and even my mortgage. Would definitely recommend their services!read more
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