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Making the Most Out of Your Super Fund

If you live in Australia you most likely have a superannuation fund (or super fund).

Superannuation is a way to save for your retirement. The money comes from contributions made into your super fund by your employer and, ideally topped up by your own money. Sometimes the government will add to it through co-contributions and the low income super contribution.

We encourage you to check out the excellent information on the ASIC "money smart" website HERE

Your super will become one of your most important sources of income after you stop working and begin the retirement stage of life,, so it is important that you know a little bit about this topic and most importantly who to turn to for specific advice and planning.

What are the Benefits to Owning a Super Fund?

The great thing about a super fund is that your employer is currently required to contribute 9.5% of your salary to your fund. Better still, this contribution, called the Super Guarantee, will gradually increase to 12% in the coming years.

These contributions your employer contributes to your super are taxed at a concessional tax rate.

Expert Advice

We recommend that you discuss your super with a Financial planner to ensure that it is the best fund for you and your future plans and goals into retirement. It is never too early to start planning for your retirement and in doing so take full advantage of the superannuation contribution benefits.

One way to learn more about your super fund is to visit On this website you can watch videos that explain the aspects of superannuation,including salary sacrifice and asset protection.

If you would like to make an appointment with one of our local Bridges Financial Planners then please ask one of our friendly staff to book an appointment for you.

This article provides general information only and should not be relied upon as financial product advice.

Need Help with your superannuation

Plan your budget

Its a great idea to set a budget and regularly review to check if your on track. As your goals change so should your budget, Use the handy budget planner to get your finances under control.



Calculate how much money you will need to save to achieve your financial goals.


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