Personal Superannuation

Financial Planners at Intergenerational Wealth have helped tens of thousands of Australians with superannuation advice

Personal Superannuation At Intergenerational Wealth we ensure that we provide tailored solutions to each individual and we are aware that your investment solutions may change over time.

Areas that our Financial Planners may discuss:

  • The mix of assets you are investing in, including cash, fixed interest, property, Australian shares and international shares.
  • Types of contributions, including salary sacrificing, Government co – contribution, nonconcessional contributions, and spouse contributions.
  • Funding personal insurances via superannuation vs insurance held outside of superannuation.
  • Retirement gap analysis and determining the lump sum required for retirement.
  • Transition to retirement strategy for individuals that are still working and are over the age of 55.
  • Using superannuation for the commencement of income streams in retirement.
  • Making binding nominations vs nonbinding nominations.
  • Nominating reversionary beneficiaries.

With over 60 years of experience, our Financial Planners at Intergenerational Wealth have helped tens of thousands of Australians with superannuation advice. At Intergenerational Wealth we ensure that we provide tailored solutions to each individual and we are aware that your investment solutions may change over time.

The investment needs and required strategies for individuals in their 20’s or 30’s may be quite different to individuals   in their 50’s to 60’s. Broadly speaking, most Australians will fit into one of three categories in terms of their superannuation stage:

  • Ages 20 to 45 – Accumulation Stage
  • Ages 45 to 60: Pre-retirement Stage
  • Ages 60 to life expectancy: Retirement and Post-Retirement Stage

Of course, there are some commonly held needs and objectives amongst these groups, which will often determine their attitude towards investing in superannuation.

For people in the accumulation stage, for instance, some of their focuses in life may include things such as entry into the workforce, marriage, buying their first home, starting a family and focusing on a career. As a result, the strategies that may be suitable for them in terms of their superannuation needs would need to complement their life stage.

In comparison, individuals in the pre-retirement stage), may be a little closer to paying off their first mortgage and may even be considering an investment property. They may perhaps have children that are a little older, they may be entering a second marriage, be further advanced in their career, or they may even be seeking a change in career. Once again the superannuation strategies that may suit this group would need to complement other parts of their lives and lifestyles.

Conversely, people who fall into the retirement and post retirement stage may be seeking advice on superannuation strategies that can assist in generating an income, as they are no longer in the work force, and let’s face it, retirement can mean anything from spending time with grandchildren, to regular overseas holidays! For this reason, the level of income required at retirement will vary greatly from one person to another.