Before we get into this, I need to explain a few things. If I asked the average person on the street “ Where is your superannuation invested “ 95 times out of 100, their answer would be to name a superannuation fund like Australian super or Rest super or BT Super.

​

Let me be clear. This is NOT where your retirement savings are invested. It is simply the superannuation trust that is trusted to invest YOUR money for you. More than likely, your money is invested in a range of managed funds that all come with their own layer of fee’s. So, now you know.

​

Let us get to the “ where it needs to be part “.

​

• It needs to be inside an APRA ( Australian Prudential Regulation Authority ) superannuation trust.

• It needs to be invested in line with YOUR wishes as per YOUR risk profile

• It needs to be managed by a licensed financial planner that calls you several times a year and checks in to see if there are any life changing events, we need to know about

• It needs to be able to make sure you are covered with insurance that you can claim on .

• It needs to be loved

Here are some places that it “ does not need to be “

​

• In a fund that treats you like a number.

• In a fund that never calls you or does a risk profile.

• In a fund that spends hundreds of millions of dollars promoting itself with your money.

• In a fund with “ junk insurance “ that is virtually impossible to get without a lawyer.

• In a fund that ………. I better stop now this could go on for a while.

Please head on over to Step 3 to see how we get this done.

We Look At Where It Needs To Be