Industry vs Retail. It can be a minefield! But professional, qualified advice is quite possibly the best investment you will ever make.
Which is better for you – The correct answer could be either, neither or both.
Meet Mr and Mrs Average. According to the law of averages, if they invest in an average industry super fund, selecting the average investment options, they’d be better off. On the other hand, if they invest in a top performing retail fund they’ll be even better off again – and vice versa. So much for averages.
The fact is, there’s a lot more to it than meets the eye. What lies beneath the surface matters too. Investment options for example. If you want lots of them, or geared investment options to accelerate growth, then most industry funds are not for you. And what about the constantly changing regulations – making the most of the opportunities they present and avoiding any penalties?
Clearly, there’s a lot to consider. Seeking advice from a professional financial adviser could help you review your options. If you’d prefer a super solution tailored to you, and a partner you can count on to keep it that way, talk to us about adviser-led super.
It’s important to understand that Super can feel like it is a complex process that can make or break the kind of lifestyle you want later in life – which is why seeking professional advice can be both critical and beneficial.
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