Your Future, Your Super – Make It Work as Hard as You Do
As a business owner, you're used to making strategic decisions—about cash flow, employees, and business growth. But while you’re focused on running your business, is your superannuation working just as hard for your future?
Do you know where your super is invested?
Do you know how much it’s grown in the last five years?
Do you know if you’re paying unnecessary fees?
Unlike employees, no one is automatically contributing to your super—which means if you don’t take charge, your retirement savings may be falling behind. Your super isn’t just a savings account—it’s an investment portfolio that could be working harder for you.
Book your free no obligation super check-up today here
Why Business Owners Need to Pay Attention to Super
Many business owners focus on reinvesting in their business rather than contributing to super, assuming they’ll sell the business to fund retirement. But markets change, businesses don’t always sell as planned, and relying solely on your business as a retirement plan can be risky.
For farmers, the stakes are even higher. Your farm cannot be your super. If your succession plan involves passing the farm to the next generation, your super is what ensures you have financial security outside the business. Without a separate nest egg, succession planning can become a major challenge—forcing families to sell land or assets to fund retirement.
Super can be a powerful investment tool with tax advantages and growth potential. Business owners and farmers who actively manage their super can:
Reduce taxable income with tax-deductible contributions
Ensure their super is invested in high-performing options
Build wealth in a tax-effective environment
Secure financial independence beyond their business
Protect their farm from financial strain during succession
Could an SMSF Work for You?
A Self-Managed Super Fund (SMSF) could be an option for business owners who want greater control over their super. With an SMSF, you may be able to:
Use your super to purchase your business premises and lease it back to your company at market rates.
Diversify your super investments into shares, managed funds, or direct property.
Tailor your investment strategy to align with your long-term business and personal goals.
While SMSFs offer greater flexibility, they also come with strict compliance and administrative responsibilities. If you're considering this option, it's important to get the right advice.
Is Your Super Working as Hard as You Do?
Do You Know Where Your Super Is Invested?
Your super fund is investing your money every single day—but do you know where?
Is it in shares, bonds, cash, or a diversified mix?
Are your investments aligned with your values—such as ethical or sustainable options?
Is your fund supporting industries you believe in, or are you unknowingly investing in areas like gambling or tobacco?
Super funds offer a variety of investment options, including high-growth, balanced, conservative, and ethical choices. If you haven’t reviewed your fund’s investment options, now is the time.
Is Your Super Actually Growing?
Many business owners assume their super is growing, but when was the last time you checked?
What returns has your fund generated in the last five years?
Is your super outperforming or underperforming compared to other funds?
Are you paying high fees that are eating away at your returns?
Super isn’t just about contributions—it’s about compounding growth. A fund that’s underperforming can cost you hundreds of thousands of dollars over time.
Could You Be Paying Less Tax While Growing Your Super?
Super is one of the most tax-effective ways to build wealth.
Concessional contributions (up to $30,000 per year) are tax-deductible, reducing your taxable income.
If you’ve missed contributions in the last five years, you may be able to catch up and claim a larger deduction.
Investing through super allows you to take advantage of lower tax rates compared to other investment structures.
Understanding how to maximise super contributions and minimise tax is key to long-term wealth building.
Are You Paying for Insurance in Your Super—Without Realising?
Many super funds include default insurance policies that you may not even know you’re paying for. These can include:
Life Insurance (Death Cover) – A lump sum payout to your beneficiaries.
Total & Permanent Disability (TPD) Insurance – Covers you if you’re unable to work due to serious injury or illness.
While insurance inside super can be cost-effective, it’s not always the best option. It’s worth reviewing:
Are you overpaying for insurance you don’t need? Or worse, are you underinsured?
Do you have enough cover to protect your income, family, or business?
Will your policy pay out if needed, or does it have restrictive conditions?
Many business owners need tailored insurance solutions beyond what super funds provide—especially if you have business partners, dependents, or debts.
Take Control of Your Super Today
If you don’t know the answers to these questions, you’re not alone. Many business owners and farmers haven’t checked their super in years—and that’s exactly why you need to take action.
Get an Obligation-Free Super Check-Up
We’ll help you:
Review where your super is invested
Check its growth and performance
Identify opportunities to reduce fees and tax
Review your super insurance to ensure you have the right cover
Explore strategies to build long-term wealth
Book your free no obligation super check-up today here
Your super should be working as hard as you do—make sure it’s set up for success.
Disclaimer: This content provides general information only, current at the time of production. Any advice in it has been prepared without taking into account your personal circumstances. You should seek professional advice before acting on any material.