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Wealth Preservation

Taking an active interest in your superannuation early is critical to ensuring you maximise the benefits of growing this important asset.

How much you need to enjoy a comfortable lifestyle in retirement will depend on factors such as your accumulated assets and your expectations on your lifestyle in retirement. Chances are your employer contributions may not be enough and you may need to look at making additional contributions.

The good news is that if you start early, even minimal personal contributions will make a significant difference to your retirement income. Personal contributions to your superannuation can be made from your pre-tax salary (salary sacrifice) or from your post-tax salary. Note different taxation rules apply to each method of contribution. Depending on your financial situation, one may be better for you.

Having the right superannuation strategy in place today is absolutely essential to a comfortable retirement.

Planning for your retirement

Planning well for your retirement is absolutely essential.

Importantly, this isn’t just thinking about what to do with your money when you retire: it’s about ensuring you receive quality advice in the years leading up to retirement to take advantage of the various strategies Infocus employs to maximise your earnings in the pre-retirement period. By doing this, your goal of a happy and prosperous retirement can become a reality.

Retirement planning is important to get right! There are many complex considerations that your local Infocus financial adviser will be happy to assist with.

Retire Richer

The generation that has ‘had it all’ is also the generation that has had a habit of spending it all. Unlike their frugal grandparents, baby boomers may struggle to get by on the pension alone.

Perhaps the most crucial thing boomers can do now is to get a quality financial plan in place now to see you through to your golden years, with enough left behind to provide for loved ones.

Infocus has a range of clever retirement strategies to better inform those considering retirement. These include making the most of your super, maximizing your Centrelink benefits, and how you may be able to avoid unnecessary tax bills. The overall aim is to maximise your retirement income and reduce your taxation to ensure you can afford what you want to do in retirement.

Speak with an adviser

For more information about successfully planning for and maximising the benefits of your retirement