HOW ’ S YOUR SUPERANNUATION ?

Today super is fast becoming the second largest asset owned by most Australians . With ever-changing legislation , are you making the most of current super concessions , financial incentives and rebates ? Burrell can help , whether it be consolidating existing funds , reviewing your current super strategy , identifying the best vehicle to invest your funds , setting up an employee scheme , or establishing and advising on a full-blown SMSF .

Superannuation became compulsory for all employees in 1992 and is designed to fund Australians during their retirement . Today , three types of super fund dominate the Australian market :

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Self Managed Super Funds ( SMSF ) ( 32 %) – do-it-yourself superannuation funds established for a small number of individuals , generally husband and wife , regulated by the Australian Taxation Office . Generally the trustees of the fund are the fund members .

Retail funds ( 28 %) – funds are run for profit by financial institutions such as banks , financial planning groups and fund managers .

Industry funds ( 19 %) – multiemployer funds run by employer associations and / or unions solely for the benefit of members .

Compulsory super in combination with buoyant economic growth has turned Australia into a ‘ shareholder society ’ where most Australians are now indirect investors in the stock market . Super funds tend to invest in a wide variety of assets with a mix of duration and risk / return characteristics .

Needless to say , superannuation can be complex , and constant legislative changes and government tinkering can affect confidence in the super system . While historically , money was always considered best kept in super in a tax-protected environment , new federal government legislation means that more expert consideration should be given . Investors need to consider contribution caps and may even need to determine what to keep in and what to keep out of super . For some , saving for retirement will no longer be just about super ; other non-super strategies will need to be adopted .

Whether your retirement strategy is 100 % super or a mix of super and other investments , Burrell has the expertise and proven track record to help you devise an investment strategy that will best maximise your retirement income .

What we do : you ’ re engaged and in control with a transparent and flexible super strategy

Burrell has provided independent superannuation advice to individuals , families , SMSF trustees , and businesses , ever since super became accessible to investors .

We build successful investment strategies and determine the best vehicle to invest our clients ’ super funds . And we develop strong partnerships with our clients , adopting the role of coaches who can listen , provide insights and help manage your investment decisions .

Importantly , you can count on Burrell ’ s review , advice and recommendations to be independent . As a private firm , we are independent of product providers and are free to provide superannuation solutions that suit your needs , not ours . We advise on all types of super funds including corporate ( employee ), industry funds , personal super , as well as establishing and maintaining SMSFs . Many investors progress through these various funds from when they start work to when they retire . At some point investors will consider whether an SMSF is right for them .

To determine the best approach to suit you , we consider the following issues together with your personal circumstances , and your goals and plans for retirement :

� estate planning requirements � number of members � investment strategies � limited borrowing for property � insurance .

We encourage our clients to adopt a superannuation structure and platform which provides transparency , flexibility and control . The more you can ‘ see ’ your super , track its performance , and have a say , the more engaged you are likely to become , and the more successful your super strategy will be in giving you the retirement income you want .

Once the best fund has been determined , we help you complete all the legal requirements to establish your chosen fund , from a simple retail application to an SMSF trust deed .

Far from a ‘ set and forget ’ strategy , we then keep you engaged , aiming to meet with you twice each year to review your fund and asset allocation , as well as how your super strategy sits within your investment planning generally .

Get started

Talk to one of our super experts for an obligation-free conversation about your super . We ’ ll bring you peace of mind knowing that your super strategy is sorted and you ’ re taking steps to maximise your retirement income .

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