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What is Superannuation?

According to the Australian Taxation Office (ATO) – Superannuation is money put aside by your employer over your working life for you to live on when you retire from work.

Why is Superannuation important?

Superannuation plays a significant role in funding for your retirement. It is crucial to accumulate enough funds over your working life, as retirement can become quite depressing for you, especially when your income drops and expenses rise. It is also important to note that retirement can last a very long time and, it is best not to depend on the Age Pension as it may not sufficiently cover all your expenses.

At Emohruo, we believe that it is never too early to plan for the future! We can help you find the best ways to accumulate more money now so that you can make the most of your future.

Sorting your Super now

For many people, superannuation is the second-largest asset next to the family home. Since people cannot spend the money kept in their super now, they tend to forget about it and end up in default options that may not meet their risk tolerance, goals or timeframe, etc. In some cases, people may end up with multiple super funds, where they’re paying multiple fees, causing an overall reduction to their retirement income.

We are qualified financial planners

Our qualified financial planners will look at all the super funds you have, along with important features you may wish or need from your fund and help you get back on track. Many people believe consolidating into one fund is the best thing to do, which isn’t always the case. You may have health issues or have an occupation or pastime that may prevent you from gaining or consolidating insurance cover. If you consolidate without looking at exactly what your current funds provide, you may risk losing important benefits that you may not be able to get back.

There are many important factors you need to consider before deciding to move your super funds, and our qualified financial planners will help you find the right funds to meet your needs.

Superannuation – Frequently asked questions
  • Which superannuation fund is right for me?
  • Am I paying too much in fees?
  • When can I withdraw money from my super fund?
  • Do I have any insurance within my super?
  • What happens to my super if I change jobs?
  • Should I consolidate my super funds into one?
  • How do I work out the amount of super I will need?
  • How will my divorce affect my super?
  • What are the implications of contributing more money to my super?
  • Is my superannuation invested in line with my goals and risk tolerance?

Not sure what to do? Let our Certified Financial Planners give you a hand!

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.