Superannuation Investment Strategies Sunshine Coast & Wide Bay
MAHER DIGBY SECURITIES - Superannuation investments
Superannuation investment strategies often change as we approach retirement with needs usually transitioning from maximising growth, to focusing on stability and longevity. Certainly once we retire our needs change again, generally to maintaining capital while delivering an income stream.
Maher Digby Financial Planners have specialist knowledge in both the managed and smsf investment strategy arena with extensive experience in retirement planning and investment within the retirement phase itself.
As such, our certified financial advisors can advise on a range of superannuation investment strategies depending on your personal circumstances and investor needs.
Our certified financial planners on the Sunshine Coast keep their eyes closely focused on market influences and conduct regular Fund Manager reviews ensuring that at all times your investments are under sound financial management and optimally stategised for market conditions.
Our financial planning firm also conducts regular personal reviews of clients' investment portfolios and assesses any changes in a client's ongoing invetsment strategy needs. At Maher Digby Financial Planning, we pride ourselves on the high-quality of personal service provided to our clients.
Superannuation investment Options
If you are approaching retirement, you are also approaching limits on how much you can contribute to your superannuation and thereby receive the inbuilt tax benefits, especially if you are approaching Age Pension Age and no longer working. This can be helpful to keep in mind as part of your overall retirement investment management strategy.
There are options such as salary sacrificing, or if you are in receipt of a lump sum of money, through an inheritance or sale of an asset for example, then 'nonconcesssion contributions' could be made to maximise monies in the superannuation environment. There are many advantages to these strategies including taxation benefits, however there are also many complexities, so it is best to discuss options with your certified financial advisor.
In the case of couples, sometimes a rebalancing of monies held in superannuation may be appropriate to make the most of your situation and maximise your income.
If you are a long term government employee you may have a 'defined benefit' superannuation which may also give you more options for retirement planning.
Superannuation has special rules when it comes to estate planning and can be managed in a way that specifies your wishes. Our certified financial planners have specialist knowledge in the area of estate planning and can assist in ensuring your superannuation is passed to your loved ones.
Having our own licence, the Maher Digby financial planning firm has access to a broad range of superannuation investment options for our clients.The superannuation arena can be very complex and our certified financial advisors take time to ensure we provide you with superannuation advice you will understand.
INDUSTRY SUPER FUND ROLLOVERS – INCLUDING Q SUPER
Industry funds are often limited in what they offer regarding retirement investment options and advice. Many people prefer greater flexibility and control of their retirement investment planning.
If appropriate for you, financial planning firm has extensive experience in managing rollovers from industry funds, particularly QSuper, whether it be on your retirement or for transferring your Accumulation account to a platform that offers broader retirement investment options and other advantages.
To get in touch with us about your smsf investment strategy and to find out how our managed superannuation investment strategies can maximise your returns in retirement (or for general retirement investment management services) please submit the form on the right of this page, or call us directly for a chat.
Please feel free to ask about our complimentary, initial Sunshine Coast financial planning consultation.