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There are multiple types of superannuation funds available to you, including:
- Self-managed super funds (SMSFs)
- Industry super funds
- Retail super funds
- Corporate funds
- Public sector funds
Build Your Nest Egg
Superannuation is one of the most misunderstood investment vehicles. But, without doubt it can be one of the most tax-effective investment vehicles when planning for your financial future. Superannuation is the user-pays philosophy of funding your own retirement. Thus, by not doing due diligence in choosing the best super fund for your needs and goals, you are only depriving yourself of a comfortable retirement.
Manage your superannuation wisely and help secure your financial future with the team at Eclipse Financial Planning.
The purpose of superannuation is that a portion of your income is set aside as a fund for your retirement. There are numerous ways to contribute and build your superannuation. Our financial advisers will help explore your super options and devise an optimal strategy that aims to maximise tax concessions, financial incentives and accessible rebates. Our goal is to help you live a comfortable, financially secure lifestyle for your retirement.
Eclipse Financial Planning will help you:
- Find the best super fund to suit your goals
- Take advantage of tax concessions, financial incentives and rebates
- Explore opportunities to maximise your savings and grow your super
- Get the most out of your superannuation
- Construct a specific plan to align to your financial and lifestyle goals
- Provide visibility and certainty of your retirement
- Lower your tax in retirement
For a free one-on-one consultation with a financial adviser to discuss your superannuation, speak to us at Eclipse Financial Planning.
At Eclipse Financial Planning, we’re dedicated to simplifying finances so you can build a brighter future and live your best life. A self-managed super fund offers more control than regular superannuation funds and can have up to four trustees. You’ll be able to direct funds into investments of your choosing and you’ll be responsible for ensuring legal compliance. Our financial advisers will work with you to assist managing your super fund and offer investment advice that’s appropriate to your financial situation. There are a number of benefits to be gained with choosing a SMSF, including:
- Tax flexibility
- Greater investment control
- Asset protection
- Estate planning
- Lowers on high balances
However, the knowledge, time and costs associated with SMSF vary from client to client. We’ll help you navigate the sometimes complex superannuation waters to help you build a comfortable nest egg for your retirement. SMSF are complex structures and are not for everyone.
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What superannuation is right for me?
If you’re uncertain about what type of superannuation fund is suited to you, don’t hesitate to speak to a friendly financial adviser from Eclipse Financial Planning. Our offices are located throughout Queensland include the Gold Coast, South Brisbane, The Whitsundays including Airlie Beach, Proserpine and Bowen.
This is a Government scheme that provides employees with a default low-fee option. The key features of MySuper offer basic levels of insurance cover and you can only choose between one balanced investment option or life-stage investment strategy.
Industry Super Funds
Trade unions and industry bodies started this type of super fund to provide specific benefits to industry members. Most are open to the public and benefits vary across providers. Industry super funds claim to offer lower fees and higher performance figures.
Retail Super Funds
Developed by financial institutions or investment companies, a key benefit is the number of investment options available to members. The costs vary significantly between providers and we’ll help you compare to find the right fund for you.
Typically arranged by employers for the employees, there a number of advantages if your company offers this superannuation fund type. Corporate super funds have the option of returning profits to its members, offer a wider range of investment options and depending on the size of the company, offer low to mid-cost funds. If you’ve recently taken a job that offers corporate funds, we can explore your options and determine if this is a viable fund for you.
Public Sector Funds
Developed by the Government specifically for employees of the State and Federal Government, benefits vary over time. Long-term members have access to different benefits than new members.
We have only provided a brief insight into the main superannuation fund types available to you. For more information, arrange for a free personal consultation with a financial adviser from Eclipse Financial Planning. Our offices are located throughout Queensland in the Gold Coast, South Brisbane, The Whitsundays including Airlie Beach, Proserpine and Bowen.