Super ideas made effortless!

For some people, superannuation contributions are something that the employer makes. You may have had the option to contribute a bit more for a greater contribution from the employer, but it was never a core issue for you.

We find that where you plan to use superannuation for its primary purpose of meeting your income needs in retirement and begin planning for this objective early in your working life then the result can be effortless.

Targeting to reach core retirement income objectives is one way of securing a stronger financial future. Q Invest advisers use purpose-built software that makes developing the best strategy simple to understand. This long term and small contribution approach avoids contribution cap issues and creates the opportunity for non-superannuation smart strategies such as gearing.

Rolling over your superannuation to your choice of fund can have its advantages. You need help to make an informed decision that is in your best interest. Your superannuation funds may have benefits and costs that only research can bring to light. Whilst the strategy of consolidating superannuation does make sense, the benefits are found where independent comparisons of your options are made, after accessing good financial advice.

You can get money into superannuation without paying income tax. This is called salary sacrifice. You will be contributing a portion of your pay directly to your superannuation fund. You will pay less tax and therefore save more. In some cases this is achieved without a change in take home pay.

Q Invest can provide advice to meet your financial needs from a service that suits your lifestyle and budget.