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Reasons to compare superannuation funds:
Key Factors to Consider When Comparing superannuation funds
When comparing, you should assess investment returns alongside market trends with an adviser’s insight. Understand fees’ impact on returns, align insurance coverage and tailor investment options. To optimize savings, consolidate super accounts and enhance retirement planning with expert guidance.
The importance of a financial adviser
While there are various tools and resources available online to compare super funds, it’s advisable to seek guidance from a qualified financial adviser. Superannuation is a complex field, and a professional adviser can provide personalised insights tailored to your financial goals and risk tolerance.
They can help you navigate the intricacies of different super funds, ensuring that you make choices aligned with your retirement objectives.
Frequently Asked Questions
Find the answers you need and see how we can help secure your financial future.
While we would love to be able to directly tell you, an Australian financial adviser must prioritize clients’ interests by conducting comprehensive assessments, researching suitable super funds, considering risk and costs, and aligning options with the client’s goals. Ongoing reviews, transparent communication, and unbiased advice ensure the selected fund remains optimal for the client’s changing circumstances. This approach adheres to fiduciary responsibilities and promotes informed decision-making for a secure financial future. A registered financial adviser can help compare super funds.
Different types of super funds in Australia cater to diverse needs. Retail funds, managed by financial institutions, offer various options but might have higher fees. Industry funds, tied to specific sectors, focus on maximizing returns with competitive fees. Wrap funds allow customized investment choices. Corporate funds, established by employers, can be retail or industry funds. Public sector funds target government and public sector employees, offering special benefits. Self-Managed Super Funds (SMSFs) grant individuals control over investments, including property and shares, but require careful management. Choosing the right type involves assessing goals and risk tolerance, by comparing superannuation funds with a professional.
Switching jobs can often lead to leaving contributions scattered across multiple accounts. If you’ve been married or altered your name, your fund’s records can become outdated. Moving could disrupt communication, especially if the changes aren’t promptly updated.
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Diversification works, due to the variety of assets held, reacting differently to the same economic environment, ultimately reducing risk and increasing exposure to stocks, fixed interest and commodities. The theory behind stock market operations is pretty simple. Running similar to an auction house, the stock market empowers buyers and sellers to negotiate prices and make trades. With our underlying fundamentals being academic research and structuring investment portfolios around the dimensions of expected returns, we can deliver solid, long-term results, in a cost-effective manner.Unlike the majority of fund managers, using their crystal ball to outguess markets, mostly failing. We align ourselves with scientific research to capture the available returns systematically.Historically, the Financial Markets have proven to reward long-term investors that focus on the drivers for expected returns, avoid timing markets, exercise diversification and keep costs low. Take control of your financial future, speak to an adviser, today.
Compare Your Super
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