Superannuation is one way to help you save so you can enjoy a stress free and comfortable retirement. Superannuation strategies need to be tailored to ensure that you are paying minimal tax, while creating maximum wealth.


There are three (3) parts to Superannuation


Administration - This provides you with a statement, a balance, hopefully web access, phone support and the legally required information. Let me help you choose a fund that provides you with the features that you require at the least cost.


Investments – These provide the return, both Good and Bad.  Superannuation does not go backwards.  The investments go up and down, but not Super.  It is the investments chosen that fluctuate.


Advice – You do not need to pay for financial advice.  You can utilise an industry fund and receive no advice.  You can choose to put your money in a “balanced fund”, or “growth fund”, but the reality is you don’t know where your money actually is.  For example - an international component invests in companies other than Australia, but as the US makes up more than 50% of the world’s economy more than 50% of your money will be in the US.  Over the past few years we have chosen funds that avoid the US but a standard growth fund just puts 50% in the US regardless.



As a Financial Planner I can assist you to understand superannuation and work out how much you will need for retirement.  To help you choose a Super fund that meets your needs, and to develop strategies to help you maximise your superannuation balance.


A few strategies that we can discuss to help you get the most from your Super include:

-  Save fees by combining Super funds

-  Add to your Super before tax

-  Top up your Super with help from the Government

-  Direct Shares v Managed Funds


For more information please contact us to arrange an obligation free consultation.




Contact for financial planning advice

Justin Fraser AR No. 292086 and Marjade (Qld) Pty Ltd trading as Bayside Financial Planning provide financial planning advice and services as Authorised Representatives of Barchester Financial Services Pty Ltd AFSL 490348

Credit Services are provided to you by Justin Fraser in his capacity as an Australian Credit Representative 374012 of Outsource Financial Pty Ltd, Australian Credit Licence 384324


The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Bayside Financial Planning will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.


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