Superannuation

Offering Superannuation Advice in Kingscliff

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Achieve Your Retirement Goals

Looking for the right superannuation fund for you? Look no further–we can help. At MoneySmith Group, we can assist you with finding the right accumulation or defined benefit fund, as well as MySuper products to suit your needs. 

 

If you're looking to increase your money over time, accumulation funds could be the right choice for you. They offer a variety of growth options, so you can select the one which best suits your retirement goals. Defined benefit funds are also available; they provide stable and reliable growth throughout your working life, as well as greater protection from market fluctuations. 

 

Contact us today on 0433 149 788 to learn more about how we can help you with superannuation advice. We assist clients all throughout the Northern Rivers and surrounds, including Tweed Heads, Banora Point, Pottsville, Murwillumbah, Ballina, Gold Coast and Robina .

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Types of Superannuation

At MoneySmith Group, we understand choosing the right superannuation fund or products can be challenging. After all, most Australians rely on superannuation to set themselves up for retirement. That’s why we’ve put together a short guide detailing your options:

  • Accumulation funds: An accumulation fund is an excellent option if you're looking to grow your money over time. Your money will gradually increase as you make regular contributions, and the fund earns a return on investment. This makes accumulation funds a great choice for those who want to save for retirement or other long-term goals. 
  • Defined benefit funds: A defined benefit fund is a retirement savings plan where your benefit is determined by a formula rather than based on investment return. This type of fund is often offered by corporations and public sector organisations. Your benefit is usually calculated using your contributions, your salary before you retire, and the number of years you have worked for your employer. 
  • MySuper: MySuper is a superannuation fund product that offers lower fees and simple features. It's the default product that your employer will pay your super into unless you choose a different option. MySuper products are designed to help you save for retirement, so you can have peace of mind knowing that your finances are in order.
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Frequently Asked Questions

  • What should I look for in a retirement fund?

    When it comes to choosing a superannuation fund, there are a number of factors that you should consider. These include:


    • The fees charged by the fund: You want to make sure that the fees you are paying are reasonable and not eating into your retirement savings too much.  
    • The investment options offered by the fund: You want to make sure that the fund provides a good mix of investment options so that you can diversify your portfolio. 
    • The level of customer service offered by the fund: You want to be able to get in touch with someone from the fund if you have any questions or concerns. 

  • How can I find lost super?

    There are a couple of ways you can search for lost super. The first is to use the ATO's online services. You can also contact the Australian Taxation Office (ATO) directly, and they will be able to help you locate any lost superannuation funds. 

  • How much super is generally needed for retirement?

    Most people will need at least $500,000 in superannuation to support themselves during retirement comfortably. However, the exact amount you'll need depends on a number of factors, including your age, lifestyle and how long you expect to live.

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