Superannuation

Superannuation is the most tax effective investment structure available to most Australians.

 

Tax on investment earnings is levied at a maximum rate of 15% in accumulation phase and 0% in pension phase (retirement), which is often cheaper than income tax rates levied on employment income.

 

There are a range of different types of superannuation funds including industry super funds, retail super funds, (master trusts and wrap accounts) and Self-Managed Super Funds (SMSFs).

 

All of these options are worth investigating and that’s exactly what we do at Hodgson Financial Planning. We assess the level of risk you are prepared to take within your superannuation benefits and research the fees and charges, performance history, and insurance options when comparing funds.

 

This research allows you to make an informed decision about which superannuation fund and investment options are most suitable for you.

 

The range of investment options inside superannuation include:

• Australian and international shares

• Australian and international bonds

• Listed property and infrastructure assets

• Direct property and infrastructure assets

• Alternatives

• Geared investments

• Term deposits, fixed interest and cash-based investments.

 

We also provide advice on the different types (and benefits) of superannuation contributions and their tax consequences, your ability to access your superannuation benefits, transition to retirement and commencing superannuation income streams (pensions) to name just a few.

 

Our advice can be the key to transforming retirement from merely stopping work to actively enjoying the lifestyle you have always envisioned for your retirement.

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If you haven’t had your superannuation fund reviewed for many years, or think it is time to speak to a professional about the benefits of superannuation, please contact David at Hodgson Financial Planning on 0401 936 224 or admin@hodgsonfinancialplanning.com.au