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Superannuation basics: a financial adviser’s guide to sorting your retirement out

Superannuation matters, so we've brought financial advisers in to guide us in sorting out our retirement, from how much you need to choosing a fund.

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Superannuation matters, so let’s talk about it.

Kate Campbell chats with financial advisers from Everest Wealth, Alex Luck and Daisy Magor, about what may end up being our biggest asset: our superannuation.

They chat about investing inside vs outside of super, using super calculators, comparing super funds and making the switch, the value of financial advice and much more.

✅ Here’s what we discuss in today’s conversation:

What is the purpose of super?

How do we care about something so far out in the future?

Investing in super vs outside of super

How much super should I have?

  • Do you look at any of those tables that say you should have XYZ by 50?
  • Do I need a million dollars to retire?

Do you have multiple super funds?

  • Tools like MyGov to find if you have multiple funds
  • When would you/wouldn’t you consider consolidating?
  • Key things to consider before changing super funds
    • Insurances

Is my super fund any good? How do I find a good super fund?

  • What are the key features I should look at? Fees, investment options etc.
    • Ethical investment options → how do I know if it fits my values or is just a fee-collecting exercise?
  • Not all super funds are created equal → the challenge of comparing balanced funds
  • Tools to compare super funds
  • What important documents should I read?

How do I grow my super balance?

  • Employer contributions
  • Salary sacrifice
  • Personal contributions
  • Contribution splitting

When should I get advice about super?

Podcast resources

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The information on this website and in our podcasts is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) before making a decision to acquire a financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide before using this website.

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