At Focused Advisers, we develop tailored step-by-step financial strategies and help you make informed decisions about your money.

Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.

Super is a tax effective environment for your money. Both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.

Your employer must pay a proportion of your salary into a super fund. This is called the Superannuation Guarantee and has been increased to 10% per annum since July 1st 2021. It will increase by 0.5% each year until it reaches 12% in 2025.

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