Articles &amp; insights

Preservation Age

What is the Preservation Age? The preservation age is the earliest you can generally access your super savings as a lump sum or income stream. It acts as a safeguard, ens…

Members

The Power of Membership: Becoming a super member unlocks a range of benefits: Employer contributions: By law, employers must contribute a portion of your salary (currentl…

Investment Options

Investment Options Explained: Most super funds offer a range of investment options, each with a different mix of assets. These assets can be broadly categorized as: Share…

Income Protection Insurance

What is Income Protection? Income Protection is an insurance policy that pays you a regular income stream if you're unable to work due to illness or injury. This benefit …

Total and Permanent Disability (TPD) Cover

What is TPD Cover? TPD Cover is an optional insurance benefit offered through your superannuation fund. It pays out a one-off payment if you become permanently disabled d…

Death Cover (Life Insurance)

Superannuation death cover, also known as life insurance within your super fund, acts as a safety net for your loved ones in the unfortunate event of your passing. It pro…

Insurance

Types of Superannuation Insurance: Super funds typically offer three main types of insurance: Death Cover (Life Insurance): This insurance pays a lump sum benefit to your…

Financial Advisor

Who is a Superannuation Financial Advisor? A superannuation financial advisor is a qualified professional who can provide personalized guidance on maximizing your superan…

Employer Super Guarantee (SG)

Employer Super Guarantee (SG) what is it? The SG is a percentage of your salary that your employer must contribute to your superannuation fund each year. This helps you a…

Defined Contribution Fund

What is a Defined Contribution Super Fund? Unlike Defined Benefit funds where your retirement income is predetermined, a Defined Contribution fund operates differently. H…

Defined Benefit Fund

How Defined Benefit Funds Work: Unlike Accumulation Funds, DB Funds don't rely solely on your contributions or how well the market performs. Instead, a formula dictates y…

Death Benefit

A superannuation death benefit is a payment made from your superannuation account to your designated beneficiary or beneficiaries after your passing. It's a crucial compo…