Have a great retirement

How to prepare for an absolutely fantastic retirement


We all work hard in the hope that one day we will find ourselves lying on the beach drinking our favourite cocktail or jet-setting across the world. However, just hoping never gets the job done so here are a few tried and tested ways that will!

4 things you MUST do  to build an amazing retirement


Pick the right investment strategy. Most people leave their superannuation in the default option. Can you guess what the default result usually is? It’s quite average. Take the time to consider what allocation you should have towards growth investments such as property, shares and international shares in your super and what percentage should be allocated towards defensive assets such as cash and fixed interest. As a general rule of thumb, the more time you have to invest, the greater your risk tolerance and so in turn the greater therefore the allocation towards growth assets should be.


Get rid of the needless fees that are holding you back. A 1% saving in fees over a lifetime can result in $100,000’s MORE in your account. Unless you have a targeted strategy that requires a higher level of management your fees can be restructured with an annual fee level of 0.5% in mind. This small change, done early enough could be the difference between an OK retirement and one which sees you travelling around the world in comfort whilst also being able to help your children and grandchildren.


Be tax-smart inside your super. Yes, your superannuation does get taxed. Not as much as your income does, but it still adds up. In order to be tax-smart you need to make sure you invest in assets which are not going to needlessly incur capital gains tax. Some examples would be direct property, direct shares or index funds if you don’t quite have enough in super yet. You also need to make sure that YOU are benefiting from your investment’s tax credits rather than your super fund. Between now and your retirement this could save you hundreds of thousands of dollars!


Build your super and get a tax saving through salary sacrificing. Each year you have $27,500 that can be contributed to superannuation through a combination of salary sacrifice and your employer contributions. You can work towards a better retirement whilst also saving thousands in tax every year at the same timeThe best part is that it will come out of your pay before it hits your account so in time you’ll forget it’s even there!

These are just 4 simple things you can do right now to get a fantastic result with your super. But there’s plenty more in our bag of tricks that could make a HUGE difference to you and your family. To make sure you get a great result we want to give you

a FREE super strategy session call 

Why are we offering this?


We want to help you get on the front foot so that you avoid getting caught in a financial standstill that could cost you hundreds of thousands of dollars unnecessarily. This won’t be a sales meeting, you will be speaking to a highly qualified financial adviser whose time is valuable. We only want to work with people who are serious about getting a fantastic financial result. This call is absolutely 100% free with no catches. During the meeting, you and the advisor might find that you want to work together further afterwards or you might not. Either is fine. All that we ask is that you commit your time seriously to this meeting and we will do the same!

This website contains general advice which does not consider your particular circumstances. You should seek advice from WealthLine who can consider if the strategies and products are right for you