To ensure that you achieve a comfortable retirement, you need to ask yourself some basic questions:

• What type of lifestyle do I want in retirement?
• What arrangements have I made to fund this lifestyle?
• Can I afford to take the chance the Government will be able to keep me in the lifestyle to which I have become accustomed?

Superannuation is one way of planning for your retirement and Zams Strategic Solutions offers a range of superannuation strategies that may assist you in reaching your retirement goals.

It is now generally understood that all of us need to provide for our own retirement. With rapidly increasing population of older Australians, the level of aged pensions may not be sufficient to maintain your lifestyle in retirement.

Government legislation has resulted in Superannuation Guarantee contributions assisting to meet your needs after retirement. However, for many of us, this will not be enough to meet all our retirement lifestyle expectations.

To assist you in providing for your future, the government has made it attractive to make additional contributions to your super fund. Taxed at the low rate of 15% superannuation compares well with most people’s normal tax rate which can be as high as 45%. Salary Sacrifice Contributions, Un-deducted Contributions, Spouse Contributions, Government Co Contribution etc are strategies which can help you in increasing your superannuation in a tax-effective manner.

At Zams, we can help you to accumulate the money that is required for you to meet your financial goals in retirement by devising a tax effective plan and an asset allocation strategy (i.e. the proportion of shares, property, bonds and cash) that is tailored to your individual circumstances. This will take into account the length of time you will be investing and your willingness to accept volatility in your investments.

To obtain further information contact us