Why are you avoiding this?

It's costing you about 300 large. ($300,000)

I need to have a serious talk with you.
A talk that seems to almost require a gun to the head for many to take serious.

The best part? It’s a get rich quick (and legal) scheme that exists in this country and nobody is paying attention.

It’s fu**ing boring, but it will actually help you more than you think.

Stay with me, I’ll use buzz words.
Guaranteed Return.
Cashflow.
Retire Early.
Save Tax.
Superannuation.

Ugly word isn’t it. Superannuation.
Almost as ugly as that person that owes you money.

Past performance is not an indicator of future performance. Ranked from worst to best based on 5 year average per year return.

We can control one thing, fees.
Let’s talk results. Clients names have been changed for privacy.

Christopher

Thought Spaceship super and getting high was cool.
But we helped him them out and went direct to get his tech fix.

$1294 in fee savings per year. Into a fund that has also outperformed historically.

This alone would add at least $260,000 in Retirement Funds

Carmela

She still gets paid a salary and super from the waste management companies.
Never changed the union default superfund she had set up on the first payment.

Fee difference in Year 1.

An extra $400,000 in Retirement.

Meadow & Finn

Good Kids.
Young, wanting to get their world moving forward.

Low Super Balance = Fees eroding performance. Not anymore.

$162,000 extra for their retirement funds and that’s if they never work a day again.

It’s time to take this serious.
Text me 0435 35 7537.
I know a guy that can sort this out.

I’m a licensed financial adviser and am sharing this section to make sure you don’t make any financial mistakes.

This email has been created to provoke thought.
It’s general in nature and designed to get you thinking about your super.
All information shared is factual, with the exception of the clients’ names, which have been changed for privacy.
The data is from licensed financial adviser research software.

Before switching your super and trying to guess the portfolios I have shared by yourself, get advice. Preferably from me ;).

Just saving fees does not = success.
Asset allocation with a defined period gets you closer to success.

Something to note, the first table shows 5 year growth ranking.
This is based on 3 year average growth.

Not a single manager / superfund beat a passive and strategic asset allocation approach.

This is the 1 year ranking.

You’ll notice some active managers climbing the ladder, active managers are as good as their last decision, many have pulled back on growth assets and switched to defensive to reduce market pain. Ie, look at the (Indexed Balanced that is naturally more defensive than a growth account). We’ve left our long term allocations alone. Why? Because nobody can time the market, but past history shows us that playing with returns tends to end up negatice. As per the below.

It’s almost disgusting how hard even as an adviser it is to try and find the returns of several heavily marketed super funds. They all funnily enough, show performance without their admin fees (.55%) and just show since inception or last year returns.

The figures in these graphs show fee savings reinvested and assume $0 in additional contributions. Of course, as the balance receives contributions and balances become larger, the fee saving is even greater.

The graph shows the minimum saving until clients retirement at 8% per year.
We cannot control or guarantee performance but this is an average guide.