Superannuation is one of the most misunderstood investment vehicles on offer. It does not help that the government constantly changes the goal posts however it can still be one of the most tax effective vehicles for clients to utilise with 15% tax on earnings and 10% tax on capital gains compared to individuals paying up to 45% and 22.5% on earnings and capital gains respectively.

There has been a lot of scrutiny within our industry on fees but like anything in life you get what you pay for, and while we agree that you should not pay anymore than you must, the number one goal is to help you reach your retirement goal, not pay low fees.

The common questions we answer of our clients here are how much to contribute, should insurance come through superannuation or outside superannuation, should I have a SMSF, what investments should I be in, and how to incorporate superannuation into your estate planning strategy.