Skip to content
Financial Planning

Superannuation

Your superannuation is an extremely important investment because it is likely to be your main source of income in retirement. Also, it is the most tax-effective way to save for retirement so it pays to look after it. 


A basic retirement versus a great retirement

Would you like to enjoy your retirement without worrying about money? Of course you would but unfortunately most people have a huge shortfall in their retirement savings. In 2015/16 the average Australian's superannuation balance at retirement was just $270,710 for men and $157,050 for women1 - not much considering a comfortable retirement can cost $44,011pa for a single person and $60,457pa for a couple2.

Your employer’s compulsory 9.5% superannuation guarantee contributions are unlikely to give you a comfortable retirement. But, if you start contributing more to your super now you can make more of your retirement later.


Super tax advantages

Superannuation is the most tax-effective way to save for your future. Your contributions are taxed at only 15% which is much lower than most peoples’ marginal tax rates.


How a financial planner can help you

A financial planner can help you:

  • choose an appropriate super fund with the features you need
  • select the appropriate investment mix depending on your risk profile and investment timeframe
  • boost your super by making the most of the contributions limits, tax-benefits and government incentives
  • transition your super to a pension once you retire.

For more information on super, view the ‘Getting to know your super’ video.


Getting the right advice

Contact us to arrange a free, no-obligation initial consultation with Bridges Financial Services.

Call us (08) 8202 7777

Offering the ability to earn higher returns without having to lock funds away while having no monthly account keeping or transaction fees*.

Our Pre-retirement Seminars, presented by Bridges Financial Services, cover a wide range of useful information for anyone thinking about retiring. Reserve your place now at our next seminar on Wednesday 20 November 2019.

How we can help you

Many people are aware that they need professional financial advice but are unsure of where to start. Bridges are here to help.

Is your retirement measuring up? Find out by completing a quick test using the Bridges Retirement Lab.

Gain access to great member offers and discounts with our partner, Wallmans Lawyers.

Take control and understand where and how your super is invested, because you do have a choice.

Bridges Financial Services Pty Ltd (Bridges) ABN 60 003 474 977, ASX participant, AFSL No 240837. This is general advice only and has been prepared without taking into account your particular objectives, financial situation and needs. Before making an investment decision based on this information, you should assess your own circumstances or consult a financial planner. Examples are illustrative only and are subject to the assumptions and qualifications disclosed. In referring members to Bridges, Credit Union SA does not accept liability or responsibility for any acts, omissions or advice provided by Bridges or its authorised representatives. Bridges is part of the IOOF group.

Bridges pays up to $1,500 for business placed with Credit Union SA members and other people referred to Bridges by us. For investments placed before 1 July 2019, we also receive a trailing commission of up to 0.20% per annum of all funds held under management in The Portfolio Service on behalf of such people. The trailing commission ceases on 30 June 2021 or prior if no funds are held in the applicable platforms.

Let's Chat