Is Your Super Working as Hard as You Are?
For most Australians, superannuation is their biggest asset right after their family home.
Yet for many, it’s a total mystery. It’s money you can’t touch for decades, so it’s easy to ignore. But the truth is, the small, smart decisions you make about your super today can mean the difference of hundreds of thousands of dollars in retirement.
The problem is, your super might be scattered across multiple old accounts, sitting in a high-fee “default” fund, or paying for insurance you don’t need (or can’t even claim on).
We take the guesswork and complexity out of super. We’ll give you a clear, jargon-free plan to make sure your super is working for you, not for a bank.
What We Do: Your Super Health Check
Our process is built to give you clarity and confidence. We start with a complete “health check” to find all the opportunities you’re missing.
- 1. Super Review & Consolidation Do you have two, three, or even more super funds from old jobs? We’ll track down all your lost super and consolidate it into one single, easy-to-manage, low-fee account. This one step can save you thousands in duplicate fees.
- 2. Fee & Fund Comparison Not all funds are created equal. We’ll do a line-by-line comparison of your current fund against a high-quality, low-cost alternative. We’ll show you in plain English exactly what you’re paying in administration fees, investment fees, and adviser fees.
- 3. Insurance Inside Super Audit Super is often a cheap way to hold insurance, but it can be a trap. As insurance specialists, we will audit your current level of cover and check the policy definitions to ensure you’re not paying for “junk” insurance, and that the cover you do have will actually pay out if you need it.
Our Investment Philosophy: Smart, Simple, Proven
How your super is invested is the single biggest factor in its long-term growth. We don’t guess, and we don’t chase “hot tips.” We use a proven, evidence-based approach that combines the best of both worlds.
This is the “Core-Satellite” approach.
It’s a sophisticated strategy that gives you the best of both worlds: low-cost reliability and targeted opportunities for growth.
1. The “Core”: Index Strength
The vast majority of your super (the “Core”) is built on a stable foundation of low-cost, broadly diversified index funds. These funds don’t try to “beat the market”—they are the market. This gives you broad diversification , high tax efficiency , and, most importantly, keeps your investment fees at rock bottom.
2. The “Satellites”: The Active Edge
With that strong, low-cost core in place, we then add smaller, targeted investments (the “Satellites”). This is where we actively “tilt” the portfolio towards specific sectors, styles, or managers we believe will outperform the broad market. This gives you the potential for outperformance (alpha) in a controlled and deliberate way.
Why We Use This Strategy: Our 3 Pillars
This approach isn’t just an accident. It’s the direct expression of our core investment philosophy, which is built on three simple pillars.
- Balance We avoid uncompensated risks by building a well-diversified portfolio. Our Core-Satellite model is designed for balance, ensuring your long-term returns aren’t derailed by short-term volatility.
- Cost We are relentless about minimising costs. While markets are unpredictable, costs are the “one thing you can control”. Using low-cost index funds for the “Core” of your portfolio is the most effective way to narrow the gap between what the market returns and what you actually earn.
- Discipline We ensure commitment to your long-term plan. This strategy is designed to be held for the long term , helping you avoid “spontaneous departures” (like panic-selling) or “chasing winners” that can destroy wealth.
Stop Guessing. Start Growing.
Your future self will thank you for sorting this out today.
The first step is a free 15 minute chat to see how we can help.
With our advice we’ll run a health check on your current fund and show you—in clear numbers—exactly how you could be doing better.
To view some of our other investment related content, check out: