Industry Funds and Retail Super
Choosing the right super fund is not always straightforward. Whether you are investing in a retail super or industry fund, it can be difficult to know exactly how your money is invested and whether your fund is the best fit or not for your current stage of life.
We help you assess your current super fund, explain why it is, (or isn’t performing) and determine whether it aligns with your retirement goals. We’ll also check that you’re not paying unnecessary fees, or taking on more risk than you need to. And if a better option exists, we’ll let you know. We believe you deserve to understand exactly how your super’s tracking, and what your options are. That’s why we give you the transparency and clarity you need to feel confident in your decisions.
Because we are independent and not tied to any super funds, our recommendations are always independent, unbiased, and in your best interest – plain and simple.
Are You in the Right Super Fund?
Your superannuation fund plays a vital role in shaping your retirement outcomes – yet, many people do not fully understand how their superannuation is invested or whether they are in the fund best suited to their needs.
Generally, industry funds tend to offer lower fees and return profits to members, while retail funds provide a broader range of investment options but may cost more.
Beyond that, some underlying investments are more suited to taking advantage of regular contributions whilst working, whilst others can be more suited to retirees. The right option for you will depend on your financial goals and risk comfort, stage of life, and how much flexibility you want.
We will help you assess whether your current fund is serving you well. We will compare your fund to others using key factors like investment performance, risk adjusted return, volatility, fees, and flexibility – explaining everything in plain language so you can make confident, informed decisions.
If you are uncertain about whether your current fund is the best fit, we are here to provide you with clarity and expert advice.
Transparent Financial Advice
If your super fund isn’t performing as expected, it is important to understand why before reacting. Making changes without the full picture can lead to unintended consequences, which is why careful, informed decisions are essential.
We are independent, and not to any super providers. This means our only priority is helping you find the most appropriate fund for your specific needs – no hidden agendas, no conflicts of interest. Just clear, unbiased advice.
Here is how we can support you:
- Clarity on Fees & Costs: We break down exactly how much you are paying in fees and assess whether it is reasonable or not
- Investment Performance Insights: We analyse how your fund is performing and explain what it means for your long-term financial outlook
- Unbiased Fund Comparisons: If there is a better super fund option out there, we will tell you and explain why it may suit your needs better
With us, you can feel confident that your super decisions are based on fact, not guesswork.
Get Expert Super Fund Advice Today
Your super is one of your most significant financial assets, so it is essential to ensure it is working effectively for you. Whether you are with an industry fund or retail fund, we will help you understand your super and guide you toward informed decisions for your financial future.