Sunday, June 26, 2022
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Often superannuation is your largest single long term investment so managing this now is very important if you wish to make the most of it for later in life.  At Q Advice we can help you put in place the right strategies for your superannuation by:

  • Matching your needs to an appropriate super fund
  • Consolidating numerous small funds into one meaningful account potentially saving fees
  • Assist locating lost superannuation
  • Utilise  the appropriate strategies to augment your super
  • Ensuring the available super tax concessions are utilised
  • Selecting the appropriate spread of investments
  • Instructing your fund’s Trustee of your beneficiary nomination
  • Providing guidance on self-managed super funds.

Super Strategies you might like to consider

Salary Sacrificing

Most employees receive employer super contributions of 9% of salary.  Salary Sacrificing allows you to add to these contributions from your pre–tax wage. Instead of being taxed at your marginal rate these contributions are taxed at 15% thus increasing super saving tax – effectively.

Government Co Contribution

If you are a low income earner and make after–tax contributions to your super, the government will contribute up to $500 to your super. We can help you determine your eligibility.

Self-Managed Superannuation Fund

If you are wishing to take greater control over your superannuation then a Self-Managed Superannuation Fund (SMSF) may be appropriate for you. The following are a few examples of the advantages and disadvantages that need consideration.


  • Greater Range of Investment choice
  • As Trustee you have complete control
  • More options for Estate Planning


  • As Trustee you have full responsibility for operation and legislative compliance of the fund
  • Additional cost for administration, auditing and accountancy
  • Running your own SMSF can be complex

At Q Advice we can help you to determine if a SMSF is right for you. If you already have a SMSF we can provide strategic advice and help with investment strategy development and implementation.

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