Supercharge Your Retirement Savings!

Should your super be working harder for you?


Now may be a great time to stop and ask yourself the following questions:

  • Would you like your money to be working harder for you or, for you to work harder?
  • Are you aware of all of the different options that can provide opportunities for higher returns over the long run?
  • Should you consider adopting a more aggressive investment strategy to help reach your retirement goals?

We want to ensure that we help educate clients on the long-term compounding benefit of higher returns with their super. We specialize in offering tailored solutions to help our clients maximize the growth potential of savings to reach their retirement goals!

Designed for clients with a long-term investment horizon of 10-15 years or more, we can create a portfolio of investments to make your money work harder for you. Here’s a breakdown of what makes this option stand out:

  1. Highest Growth Potential: With the understanding that your super will remain untouched for at least 10-15+ years, our goal is to optimize its growth potential, helping to reduce the need for larger contributions in the future and freeing up cash flow for other financial goals.
  2. Strict Criteria: This portfolio is exclusively for super funds and requires a minimum investment timeframe of 10-15 years, with a risk profile of 100%. Additionally,  strong fund cash flow (more money going in than is coming out)  is essential, ensuring that your investments continue to grow over time.
  3. Geared Share Funds: Our portfolio includes geared share funds, intensifying the overall risk compared to standard funds. This added risk is strategically aimed at generating higher returns over time.
  4. Higher-Than-Average Fees: While accessing these investments incurs slightly higher fees (~1% more than standard index funds), the potential returns outweigh this cost. For every $100,000 invested, the amount of the additional fees to $1,000.The aim of these investments is that the additional return they generate more than offsets the associated fees leaving clients without “net of fee” outperformance. Clients need to be comfortable in paying extra for the opportunity of increased returns.
  5. Volatility and Returns: Expect fluctuations in the market, with the potential for both above-average returns during market highs and below-average returns during market lows. On average, we anticipate positive returns in 7 years out of 10, with 3 of these years experiencing negative returns.The easiest way to think of this is that you have higher highs (when markets are good) and lower lows (when markets are bad). If you add them all over a long period, the plan is to end up in front.
  6. Diversification: Our portfolio adheres to diversification principles to ensure a reasonable total risk despite the increased risk. Asset allocation and manager selection are carefully managed to mitigate long-term risks.
  7. Enhanced Expected Returns: In our portfolio, we strategically allocate ~111% to Growth assets, compared to the traditional high-growth investment’s allocation of 100%. When factoring in this additional allocation, the expected return can be calculated as follows: 111%/100% * 8.00%, which equals approximately 8.89%.This adjustment reflects our anticipation of potentially achieving an annual return of around 8.89% over the long term, compared to the 8.00% expected return of the traditional high-growth investment. This strategy positions the client to achieve significant outperformance over time potentially.

Our aim with this portfolio is to offer you the opportunity for above-average returns while maintaining a long-term perspective. By staying invested in the accumulation phase, we continuously add to your investments, reducing long-term risk through dollar cost averaging.

Below is an example (I have just used a simple super & investment projection for illustration) that shows the potential difference between an investment return of 7.00% (blue) vs 8.89% (Green) until retirement (age 65 in this example). I have used a starting age of 40, a combined starting balance of $100,000 with annual contributions of $10,000. For this projection, we have assumed no advice fees and insurance premiums to demonstrate the investment compounding difference.

As you can see with this example, the green chart finishes in a significantly higher (over $493,000 extra!) from the additional investment earnings with no additional contributions!

The main purpose is to show the power of making your money work harder for you over a long period (the power of compounding returns). This effectively is how you can make your money work harder for you!



Here are some common client goals linked to this strategy:

  1. I would like to have the option to retire sooner!
  2. I would like to retire at age X with more income week to week.
  3. I would like to use some of my super at retirement to pay out my mortgage but still have enough left over to fund my income needs.
  4. I would like to use some of my super to help my family and ensure they are in a solid financial position

Click here for more information about how much money you may need to retire comfortably.

Should you have any questions or wish to discuss further, please don’t hesitate to reach out. We are happy to arrange a complimentary initial discussion to see if this may be an appropriate option for you to consider.

P: (02) 9145 9019


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