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Secure Financial can help you consolidate your Superannuation funds into one fund. This saves you money by stopping paying fees to different providers and simplifies your Super management.

We can organise to fund some of your insurance premiums from your Super fund, this can help with your cash flow and is suitable in some circumstances.

Generally, we will work with an independently owned Super provider. Lower cost and easy management of your monies and you can chose to have access to term deposits, direct shares and hundreds of managed funds. You can be as involved as you like or leave funds management to someone who has extensive experience in this area. The choice is yours.

 

Advantages of super

Super opens your money to the world of investment markets and you can choose how it is invested.

Money in super is taxed in different ways to your other investments. It’s designed to reward you for investing for the long term.

Super offers competitive insurance. Your insurance premiums, which are part of your super contributions, may be paid from your pre-tax salary, which is a tax-effective way to enjoy the protection you and your family need.

 

How does my super work?

The most common type of super is an accumulation fund, which is like a managed fund or investment. The main difference is the advantageous tax treatment on contributions and earnings which your money enjoys until you retire.

If you have a lot of assets and have the time, you may want to consider a self-managed super fund to take control of your super.

 

Benefits

•  Earnings in super are taxed at up to 15% (and only 10% on capital gains), which is lower than most people’s marginal tax rate. If you start a pension at retirement then the tax on earnings in super reduces to nil.

•  If you withdraw after age 60 your money is tax free.

More flexibility

•  Super is becoming more flexible with more strategies and ways to reach your retirement goals:

•  The government’s co-contribution scheme is designed to help low to middle income earners get more into their super.

•  Concessional contributions can be used to reduce your tax.

•  A transition to retirement strategy means you can still work full time or part time after your preservation age and still contribute to your super.

•  Self-managed super funds allow you to take even more control of your super.