Super Confusing?

Many people do not understand how superannuation works, they find it very confusing. That is what our expert superannuation specialists are here to help you with.

Your super is your future. Super, or superannuation, is money set aside during your working life for when you retire. For most people, super begins when you start work and your employer starts paying a portion of your salary or wages into a super fund for you. These payments are known as super guarantee contributions or concessional (pre-tax) contributions.

Super (including super guarantee from your employer), is your money.

Super funds invest your money in many things, such as shares, property and managed funds. They may also offer different types of insurance, such as income protection.

We can help you understand super and work out what you are entitled to.
There is also help with growing and keeping track of your super and information on when and how you can access it.

Super Services

Review your current fund and advise ways to improve this.

Review your risk settings, making sure you are in the appropriate risk setting for you – It is important to make sure you are in the appropriate risk setting for your age and circumstances.

Review the performance of your current fund and look to find you a higher performing fund to increase your retirement prospects.

If you have multiple funds we can also help you to consolidate these together to save on fees and just manage one fund rather than multiple.

We will also review your insurance policies attached to each fund, depending on the circumstances and polices we can either advise you to keep these in place or find you a better option for you.

Our Financial Advisors can assist you with all your superannuation needs.

It is important to review your superannuation as many people are in the super fund their employer chose for them rather than reviewing it and choosing one that specifically suits your needs.

Speaking to one of our superannuation specialists will give you clarity on the best options for you.

Have you been looking to invest but just not sure how? Or what to invest in?

Our experienced Financial Advisors will discuss your needs with you and tailor an investment portfolio to your preference.

Leave it up to our experts. We work with the best fund managers in the world, we set up investment funds with a diverse range of options.

An investment portfolio is a collection of assets and can include investments like stocks, bonds, mutual funds and exchange-traded funds. An investment portfolio is more of a concept than a physical space, especially in the age of digital investing, but it can be helpful to think of all your assets under one metaphorical roof.

One of the most important things to consider when creating a portfolio is your personal risk tolerance. Your risk tolerance is your ability to accept investment losses in exchange for the possibility of earning higher investment returns.

Your risk tolerance is tied not only to how much time you have before your financial goal such as retirement, but also to how you mentally handle watching the market rise and fall.

Speak with one of our specialized investment advisors today.

A managed fund is exactly how it sounds, a fund that is managed for you.

This takes the stress of managing your investments away from you, leave it up to the experts to look after this for you and sit back and relax knowing your investment is being managed by the best fund managers in the world with over 30 years’ experience.

Above And Beyond Wealth’s approach to wealth management is driven by you. We get to know you and learn about what you want to achieve so that we can tailor a plan and ongoing service specific to your needs.

When you need our guidance, we are there with an objective view. At all other times, we work behind the scenes to review your plans, your position, the financial markets and regulatory changes so we can effectively respond to any changes as needed.

Our approach is genuinely consultative and is designed to:

• Clearly understand your financial, personal and lifestyle goals

• Define your current position in terms you can relate to

• Outline the path you are on by demystifying the numbers

• Develop strategies for consideration and discussion

• Regularly monitor your goals and whether you’re on course to achieve them.

We specialise in investment managed funds and also Superannuation Managed funds.

Are you protected from unforeseen circumstances at work?

Income protection insurance pays up to 85% of your pre-tax income for a specified time if you’re unable to work due to partial or total disability.

Each income protection policy has its own definition of partial or total disability that must be met before a claim is made. 

Income protection insurance can be important if you:

• are self-employed or a small business owner, as you may not have sick or annual leave

• have family members or dependents that rely on the income you earn

• have debt, such as a mortgage, you’ll need to make payments on even if you’re unable to work

To work out how much income protection you need, prepare a budget. This will help you see your monthly expenses and the income you’ll need to replace. You may want to factor in making payments to your super as well.

Also consider:

• if you have total or permanent disability or trauma insurance, that can help replace lost income

• if you have private health insurance that could help pay for any medical expenses

• what help or support from family or friends may be available

If you need help deciding if you need income protection insurance and how much, speak to a financial adviser today.