Modern Times
In the past two years the world has become more complicated. That is somewhat of a somber start to talking about something as practical as an application designed to help you manage your super to your advantage and at a very affordable cost, but it’s quite appropriate. In difficult times, it’s a good idea to start thinking ahead to the future.
Being Pragmatic
Much of daily life goes on even if not quite the same. Most people in Australia now have some level of investment because of their super asset but many people and especially the younger employees tend to ignore such an asset and not realise that their lack of management has cost them rather dearly.
Due to the complexities of super regulation, SuperWiser takes anyone about two months to register and then proceed through the initial service. It was originally expected that SuperWiser was intended for employees under age 50 who still had time in the market to accumulate a higher projected income in retirement, say by more than 10%. However there is a realisation through SuperWiser’s presentation to market that active management of anyone’s super asset is a necessity at all ages even of someone who is pre-retirement.
Most employees have time to grow their super asset but some of us older employees have to defend what we have accumulated and a specialist service not controlled by product is required such as a digital service interface. Active management of your super asset is a must!
The Choices Presented by SuperWiser
The financial services industry is a complicated environment to find an affordable service delivering a high value to your super. The financial services industry has a bad reputation for delivering a high cost service for a low value being delivered.
SuperWiser is different as it is not a product but a service to identify the choices to be made to increase your accumulation of super wealth by making an informed choice around the options available.
The options involve a high level of skill and endeavour and yet are easily identified if you have a database of products analysed by an actuarial algorithm in full knowledge of your personal circumstances. The individual account holder cannot amass the amount of data required in deciding what best to do with their super asset. Up to date product knowledge coupled with a future looking outlook on global investment markets are but two of the skills not associated with the average worker.
SuperWiser analyses 40 super products and also advises you how to use the functions provided by the recommended product. If you are in a personal retail product or an industry fund, SuperWiser delivers product advice. Irrespective of which product you are in, SuperWiser advises on both contribution and investment strategies. SuperWiser will continue to contact you around opportunities presented through legislative changes or any variation in investment markets. SuperWiser will even advise you of amendments to be considered should a new product enter the market place with superior functionality and a lower cost.
Super Matters
Super starts with a first contribution and then more and more as the years roll on. In terms of value, as an asset it starts small but its growth can be accelerated if given the right attention.
Every asset you own does require attention and super is no different.
The Steps of the Sensible Investor
As a subject, super appears complex. Most people only know the common advertising slogans, the annual media releases on investment returns and who has been publicly criticised and punished for bad practices.
Decisions based upon the required information surely deliver an optimised result in wealth creation as opposed to basing key decisions on hearsay. In operating under an Australian Financial Services License, SuperWiser is obliged to know the product and also know their client. The development of the application has examined both these needs such that the application has up to date product knowledge and asks all the appropriate questions to understand your needs as a client.
In effect, SuperWiser has a universe of knowledge in delivering advice to every individual using such services.
The Path to Wealth
With the introduction of compulsory super, every worker under the age of 30 has the capability to manage their super asset in becoming a millionaire in today’s dollars, so today’s purchasing power, by the time they reach retirement. Anyone who has worked for twenty years already can better manage their super in the second half of their career in creating an asset above their expectations. Then again, anyone with less than 15 years to go can also better manage their asset as it is no longer just about growth but more so protecting your asset in negative markets so you do not see your asset diminish by 6 figures in one year of market turmoil.
Regular attention to what’s required to best manage your super asset is now available on a full fee for service basis. There is no percentage fees involved and no ongoing service fee with SuperWiser ensuring you are alerted whenever your super needs some attention. The choice is up to each individual to decide if they want assistance at that time or want to wait till next time.
Rich people pay attention to their wealth while we all work to achieve a simple life style. Super enables dreams but you must best understand how to manage from here.
Contact Us
The easiest way to understand SuperWiser is to look at the information on our website www.superwiser.com.au and have look at the video or start your free Super Review.
For your information, SuperWiser is owned by Super Simpler Pty Ltd and has no commercial relationship with any product whatsoever.