To put the importance of your super in perspective, you are now past the halfway point between starting work and your future retirement.

If you are clear on your end goals and comfortable that your super strategy is on track to provide you with an optimal outcome for retirement, great, you are in the minority.

However, if you are like most people your age and are just starting to realise the full importance of super and possibly feeling some regret about the many opportunities you have missed so far to improve your financial situation, do not worry. You are not alone.

The best thing you can do is start taking steps to rectify things now.


The first step to better manage your super is to determine your baseline projected income in retirement and then take steps to implement an optimisation strategy. 

Some key points to note are:

  • Super is your money and your responsibility to manage it effectively.

  • MySuper is a default strategy, not an optimisation strategy (there is a difference).
  • Your income in retirement depends on the amount of super you accumulate.

  • To effectively manage super as a wealth creation strategy, you must determine what you want to achieve for yourself (also known as setting goals and objectives).
  • You must also monitor your progress against your stated expectations (i.e. when you want to retire and the amount super required to fund your desired lifestyle in retirement).

  • You must update your strategy regularly because the value of your super asset can rise or fall, depending on investment markets, and your circumstances also change.

  • An actively managed investment strategy is one of the basic rules in wealth creation, which means maintaining a balance between growing and protecting your asset, depending on the given circumstances.
  • Anyone currently invested in MySuper default or any investment exposed to growth assets can benefit from super optimisation advice.


Visit and register to complete your free super review. 

This document was prepared and issued by Super Simpler Pty Ltd (ABN 74 150 240 421) a privately-owned company operating as a Corporate Authorised Representative (CAR No. 468 201) of AXIS Financial Group Pty Ltd (ABN 21 092 889 579, AFSL 233 680). The information contained within it is not advice. It provides general information only and does not take into account your individual objectives, financial situation or needs. You should assess whether the information is appropriate for you and consider talking with your financial adviser before making an investment decision. Information in this publication, which is taken from sources other than Super Simpler, is believed to be accurate. However, subject to any contrary provision in any applicable law, neither Super Simpler, nor its employees and directors, provide any warranty of accuracy or reliability in relation to such information or accepts any liability to any person who relies on it.