Australians are smart, yet the numbers suggest otherwise relative to super, with many overlooking serious financial opportunities, resulting in sub-optimal outcomes.

When reviewing annual super statements, most people are usually happy if investment returns are positive or a bit disgruntled if investment returns are bad. However, they are often unaware of whether they are on track to accumulate enough money to support their desired lifestyle in retirement, as they have not set any formal long-term goals and objectives.

The simple truth is that life happens, and most people will make mistakes. What is essential is to learn from the experience and adjust your situation accordingly to improve your circumstances.

There is much confusion around superannuation. No one knows what to believe, yet everyone must make decisions. The government’s direction on super appears to continually change. Occasionally, there is a clear directional signal, but the reaction from the public (who own the asset) is minimal or absent.

Irrespective of your age, the quicker you realise the importance of your super and take appropriate action to optimise it, the more money you could have to spend in retirement.
Optimal super outcomes do not happen by accident, there are steps to take and informed decisions you must make. Choosing an appropriate super product is just one of them.

Forward planning always begins with assessing your past. We all have aspects of life we know we manage well and some that we could manage better. Unless we regularly take stock of our current situation, review what we have done to get to this point and determine how we can improve our future outcomes, we stagnate and miss out on beneficial opportunities, and super is an area where this is especially true.

Depending upon your age, opportunities, and life experience, you might not yet realise the importance of your super relative to your financial future. Many individuals fail to ask the right questions regarding super, and even fewer consider how to make more super for their retirement.

Whether you are 20 or 60 years old, time progresses in the blink of an eye and arriving at your desired financial situation at the point of retirement does not happen by accident. The phrase, wasted time is wasted money, holds a lot of truth, especially with super.

Ten years ago, the government introduced MySuper as a regulatory requirement, and interestingly neither the government nor the regulator has criticised or noted any inadequacies in the design of any platform’s MySuper investment default option since then.

Super is a personal asset. 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 and adjust your strategy regularly because the value of your super asset can rise or fall, depending on investment markets.

Personal or National Asset? Super is an important personal asset, but many people fail to take the time to understand it or optimise it.  It

The Optimisation of Personal Super The nation’s balance invested in super amounts to $3.5 trillion and growing. When Paul Keating introduced the compulsory super in

How much time do you spend reviewing your super per year? An hour, a few minutes, no time at all perhaps? If you’ve been ignoring it, you’re not alone. Paying regular attention to your super can make a big difference to your retirement, but few people make a regular habit of monitoring it. If it’s because it seems complicated or time consuming to you, SuperWiser might be exactly what you need. To find out more, read our latest blog:

Every asset needs attention – especially your super. SuperWiser has been designed to help you make informed choices about your superannuation. By comparing many of Australia’s leading super products, it can help you find the best set-up for your situation.

Pay Attention It seems like a simple concept, but a lot of people miss out on the fact that you can make a lot more

The New Year is the time when many of us take stock of our lives and make some resolutions about improvements or changes we’d like to make, and one of the best areas many of us can address is often our financial circumstances. Taking the opportunity to look into your super at the beginning of the year to ensure that it is being optimised can have a dramatic impact on your future.

SuperWiser can help make this process easy! Find out more in our latest blog.

Super is a valuable asset and for anyone who is going to work for 50 years – foresight is always better than hindsight. Many people think there is only one service option available for their super which is the high priced financial planning model. You should know, affordable personal scaled advice does exist.

Personal scaled advice is now available to the masses from a source not owned by product, all of whom falsely promote their market brand as simply the best!

Government Overreach? The government has just announced the passes and fails amongst the multitude of MySuper investment options. It is a fact that the government

Super Is Interesting! It seems like a laughable statement. Based on the number of individuals who don’t realise how important it is to understand how

Who Will Win? Superman versus SuperWiser – it’s a contest I’d like to see as I am confident SuperWiser will win. Tools like SuperWiser are

The Traditional Service Model One major failing of the financial services industry around super is the delivery of an individual service model targeting the optimisation

An Exciting Time Ahead For Super The recent budget presented by the treasurer really should have minimal impact on what you do with your super. 

Life In Regret? Many of us will collect at least a few regrets over the course of our lives. When it comes to superannuation, a

Serious Opinions Everyone has an opinion about super and most of what is said is never good. In spite of that, surely everyone can acknowledge

Welcome To 2021 I am sure we are all delighted to see the back of 2020 but then again I am sure there are some

Accessing good superannuation advice is difficult and expensive, or at least it was. The new SuperWiser app makes personal scaled advice affordable and accessible.

Accessing good superannuation advice is difficult and expensive, or at least it was. The new SuperWiser app makes personal scaled advice affordable and accessible.

This year the government did not make changes at all to the details of superannuation in Australia, but they did introduce a new initiative called “Your Future, Your Super”.

Personalised advice at an individual account level is rare for the super industry. Most product providers operate more like call

Nothing as complicated as super? Good things are rarely said about super, and that often discourages people from making informed decisions.

Retirement is never a long way off and you will all be there before you know it. The introduction of

Super in Australia is a huge asset for the nation, our system is the envy of the world. Unfortunately that

Super History Compulsory super was introduced in 1992 and at some time, most of us have thought “I could do with the money in my

Can I get Quality Servicing For My Super? Based upon any examination of super as a personal asset, it is a well-publicised fact about the