Super Investment Advice from Superannuation Investment Specialists
Superannuation investment strategies
Superannuation strategy often changes as we approach retirement. A person's needs usually transition from maximising growth, to a focus on stability and longevity.
Certainly once your retire your strategy evolves again, generally with a view to maintaining capital while at the same time delivering an income stream.
Maher Digby specialise in retirement planning so that your superannuation is properly managed throughout your working, pre-retirement and retirement time frames.
Maher Digby are the Wide Bay and Sunshine Coast Superannuation Specialists
Nambour based financial planning firm , Maher Digby Securities, has specialist knowledge in both the managed funds and investment strategy arena, with extensive experience in retirement planning and investment within the retirement phase itself.
As such, our financial advisors can advise on a range of investment strategies depending on your personal circumstances and superannuation investment needs.
Our diligent team keep their eyes closely focused on market influences and conduct regular Fund Manager reviews ensuring that at all times your super investments are under sound financial management and optimally stategised for market conditions.
We also conduct regular personal reviews of clients' investment portfolios and assesses any changes in a client's ongoing superannuation investment strategy needs. At Maher Digby Financial Planning, we pride ourselves on the high-quality of personal service provided to our clients.
What are the Available 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 the Age Pension age and are no longer working. This can be helpful to keep in mind as part of your overall super investment 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 'non-concession contributions' could be made to maximise your money in the superannuation environment. There are many advantages to these investment strategies including taxation benefits, however there are also many complexities, so it is best to discuss options with your financial advisor first.
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 super which may also give you more options for retirement planning.
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 and is most beneficial for your circumstances.
what about Superannuation when it comes to Estate 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 on to your loved ones.
Can you help with Industry Super Fund Rollovers – Including QSuper?
Yes, we can help with all your fund rollover needs.
Industry funds are often limited in what they offer regarding superannuation investment options. Many people prefer greater flexibility and control over the planning and the strategy implemented.
If appropriate for you, our financial planning firm has extensive experience in managing rollovers from industry funds, particularly QSuper, whether it be to your retirement fund, or for transferring your Accumulation account to a platform that offers broader retirement investment options and other advantages.
I'm ready to contact your Superannuation investment Specialists
If you need super investment advice get in touch with a Maher Digby superannuation investment specialist by submitting the contact form on the right of this page, or call us directly for a chat. And, please feel free to ask about our complimentary, free initial consultation available to new clients on the Sunshine Coast and in the Wide Bay-Burnett region.
We are happy to discuss your current superanuation investment strategy, and explain to you how our investment strategies can maximise your returns. We're also happy to provide general retirement investment management advice.