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Learn how Successful Ways manages your Super

Superannuation is one of those things that most people don’t tend to think too much about until it comes time to retire because it seems too hard or complicated. It often seems easier to just let your employer make the required contributions and not worry about it.

However, understanding how superannuation works and where your money is being invested can mean the difference between having enough put aside for a comfortable lifestyle in retirement vs having to work for longer than expected.

It’s important to plan now and make most of all opportunities available.

When tailoring a portfolio to a client’s situation, Successful Ways Advisors look to spread investments across any number of global markets, different investment managers each with their own unique style or strategy. This helps to minimise concentration risk in a similar way to the old ‘don’t put all your eggs in the same basket’ philosophy.

  • Your Salary
  • 9.5% Superannuation
  • IOOF Retail Platform
  • Our High Growth Portfolio
Asset Allocation
ICR
Returns (30/6/17)
1 year
3 years
5 years
Cash HubCash Enhanced FundDomestic Fixed InterestInternational Fixed InterestProperty FundAustralian Large CompaniesAustralian Mid-Small CompaniesInternational Large CompaniesInternational Mid-Small CompaniesInfrastructure Fund
4%4%3%4%8%16%16%15%15%15%
0.30%0.35%0.39%0.77%0.40%0.85%0.99%1.35%1.12%1.14%
1.98%2.39%0.75%13.13%-4.71%9.73%12.53%15.36%10.46%8.61%
2.22%2.31%4.39%4.86%12.38%6.66%15.80%14.27%11.07%12.86%
2.80%2.81%5.05%8.76%14.63%12.87%16.45%18.42%20.45%15.60%
No yearsWeighted Returns
(As of 30 June 2017)
Net returns after admin fees (0.55%)
1 year9.07%8.52%
3 years10.82%10.27%
5 years14.76%14.21%

Superannuation Platform & Investment options

There are any number of ‘platforms’ available that can be used to manage superannuation funds. Simply put, these platforms give you the access to any number of different investment options and complete all the ongoing administrative duties for your account.

We typically use the IOOF Platform as it gives you access to 250+ different investment options and has very competitive fees when compared to alternative platforms.

Diversification

As mentioned above, we create a tailored portfolio and spread your super money across 7-13 different investment options to increase diversification and reduce risk. Each of these investment options utilised managers that are specialists in their chosen asset class.

Active management

We purchase analysts’ reports and review the accounts on a regular basis. Our team of advisors may recommend changes to the portfolio depending on market conditions at the time with the idea to maximise returns or protect capital.

Performance

Typically, we say in regards to superannuation there is always 1 good year, 1 bad year and 3 average years. This is why we believe a true indication of how a fund performs is by looking at the 5 year returns. Over the last 5 years, the tailored portfolio we recommend has outperformed the returns of largest superannuation providers. Please be mindful that past performance can’t guarantee future performance.

Asset allocation

Very similar to most default investment options with various superannuation providers, our High Growth portfolio has approximately 80% exposure to growth based investments (i.e. Australian & International Shares, Property Infrastructure) and 20% to defensive assets (i.e. cash & fixed income).

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We are passionate about helping our customers achieve their dreams. Get in touch today and tell us your story.