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Be Smart with your Super.


I have a few posts and highlighted how superannuation is very much a long term investment.

And that it is important to have your superannuation invested appropriate to your retirement “time horizon” and risk profile. 

Understanding the numbers is important.  For instance, if you are just starting out in your career and have a relatively modest super balance of $20,000, even a solid annual return of 10% will only yield in increase of $2,000 in your balance. 

By contrast, if you have a higher balance of say $100,000 then the same percentage return yields a $10,000 increase.  Obviously this isn’t a complicated concept.  However, it highlights the opportunity and importance of managing your super correctly from the very start.

Get your super performing early so that the balance increases and percentage gains translate into strong dollar gains for you.


Ok.  So you’ve decided you want to do something about it.  What’s the process? 

At Hindsight we understand that our clients quite often don’t have a lot of time to focus on superannuation and insurance.  But we also know our clients realise the importance of having a review – even if it’s in the diary but once a year!

We also recognise how important it is to make sure you understand how it all works. 

I offer a range of ways to “meet”: face to face, Uber, via phone, email or text and even online.  Make your online meeting time here.

We complete a confidential Client Profile which provides us with the necessary information to start doing some work for you.  Included in this are your personal particulars, assets/liabilities, income/expenses, current superannuation and insurance arrangements.

We gather a feel for your goals and objectives and investor profile.  From here the work starts for us. 

Statement of Advice.
We compile your Statement of Advice which is a comprehensive document that outlines your current position, your recommended position and the reasoning behind those recommendations. 

This document usually takes us about a week to produce after which we discuss findings and recommendations with you.  From there it’s entirely up to you.  The document is yours to keep regardless of whether or not you decide to implement our recommendations. 

If you do decide to become one of our valued clients, we will implement the recommendations for you and then it’s a case of maintaining regular contact, monitoring your portfolio and making adjustments along the way as your lifestyle changes, employment changes, pay rises occur, marriage maybe, buying a home or starting a family.

All these things will impact your financial position and we’ll guide you through any changes that need to be made.

The whole process is quite simple and painless.





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Location: level 4/33 Remora Rd, Hamilton QLD 4007, Australia

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