Superannuation

Superannuation is one of the most powerful tools available to grow your wealth and fund the lifestyle you want in retirement. It’s a long-term investment vehicle that’s supported by tax advantages and employer contributions — but with all the rules, regulations, and fund options, navigating it can feel overwhelming.

At Jasper Financial, we help you make sense of it all. Our role is to guide you through the complexities, give your super a clear direction, and make sure it aligns with the life you’re building — now and into the future.

Your future fund, working for you now.

How We Help

At Jasper Financial, we take the time to understand your individual goals and explain your super options in plain language. Whether it's choosing the right fund type, reviewing your investment mix, or exploring contribution strategies, we’re here to guide you with advice tailored to your life stage and goals, so your super works as hard as you do.

Why It Matters

Superannuation is more than just a retirement savings account, it’s a long-term investment in your future lifestyle. With changing legislation, market conditions, and personal circumstances, understanding how super works can make a real difference to your long-term wealth. Starting early and making informed decisions now can significantly impact your financial freedom later in life.

Let's Talk Super

Whether you’re just getting started, looking to consolidate, or preparing for retirement, now is the time to take control of your super. We’ll help you cut through the complexity and make confident decisions that support the life you want. Ready to get your super on track? Let’s talk.

“Super is your retirement engine - we help make sure it’s running smoothly, pointed in the right direction, and fueled for your goals.”

What is Superannuation?

Superannuation (or “super”) is a way of saving for retirement that’s supported by both compulsory employer contributions and optional personal contributions. Your super fund invests that money on your behalf over time — ideally growing your balance through compounding returns and investment performance.

The goal? To give you financial freedom in retirement, so you’re not solely reliant on the Age Pension or other income sources.

Types of Superannuation

Choosing the right fund for your situation can have a significant impact on your long-term outcomes. We help clients assess their options and understand the pros and cons of each fund type.

  • Industry super funds were originally created to serve workers in specific industries, but today many are open to the general public. These funds are typically run for the benefit of members and can offer a range of diversified investment options, along with access to insurance cover.

    They’re often known for their straightforward, no-frills approach, and can be a solid option for those who want their super managed without needing to make frequent decisions themselves.

  • Retail super funds are usually operated by banks, investment companies, or financial institutions and are often accessed through a financial adviser. These funds offer a wide array of investment options and features, providing greater flexibility for those wanting to tailor their super to specific goals.

    Retail funds typically give members access to an extensive range of investment options across asset classes, including specialist fund managers and platform-based solutions. This level of choice can be beneficial for clients who are looking for a more personalised or actively managed superannuation strategy, with professional guidance to match.

  • These funds are designed for government employees, including but not limited to military, education and emergency services personnel. Some are defined benefit schemes, where retirement income is based on salary and years of service, rather than just account balance.

    These funds can offer unique entitlements, but also come with rules that differ from standard superannuation. Understanding how these benefits work can be crucial to retirement planning for members of the public sector.

  • An SMSF puts you in the driver’s seat. It’s a private super fund that you manage yourself, typically with up to six members. With an SMSF, you have full control over how your super is invested, including options like direct shares, property, and alternative assets.
    While this control can be appealing, running an SMSF also comes with responsibility.

    Compliance, administration, and investment decisions all fall on the trustees. For clients with specific goals or more complex financial arrangements, SMSFs can be an effective way to tailor a strategy to suit their needs.