Superannuation Strategy

Your super is your largest asset. Is it working hard enough?

Most Australians are financially unprepared for retirement — not because they didn’t save, but because their superannuation was never properly managed. A few smart decisions inside super, made at the right time, can make a significant difference to the outcome you retire with.

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Superannuation Strategy

Why superannuation advice matters.

Superannuation is the most tax-effective savings vehicle most Australians will ever have access to. But it’s also complex — contribution rules, investment choices, insurance inside super, pension phase transitions and the interaction with the Age Pension all require careful navigation.

Getting it right can mean thousands of dollars more in retirement income. Getting it wrong can mean unnecessary tax, lost concessions and an outcome that falls short of what you could have had.

What we help you with

Contribution strategy — concessional and non-concessional contributions, catch-up provisions and the bring-forward rule
Fund consolidation — reviewing multiple super accounts and consolidating where it makes sense
Investment selection — ensuring your super is invested in a way that matches your risk profile and time horizon
Insurance inside super — reviewing life, TPD and income protection coverage held within your fund
SMSF advice — whether a self-managed super fund is right for your situation and how to structure one if it is
Transition to retirement — using a TTR pension to boost your super while you’re still working
Pension phase — converting your accumulation account to an account-based pension at the right time and in the right way
Spouse contribution strategies — splitting contributions and building your combined retirement position

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The Indigo approach

We look at your superannuation as part of your whole financial picture — not in isolation. The best super strategy is the one that works in concert with your investment portfolio, your tax position, your Age Pension entitlements and your estate planning.

We work with clients on both the HUB24 and IconiQ platforms. On IconiQ, the Indigo Balanced and Indigo Growth portfolios are available as core-satellite SMAs, maintained by Morningstar as OCIO. On HUB24, Morningstar Balanced and Morningstar Growth are available in core-satellite or SMA-only structures. This means your super isn’t sitting in a default fund — it’s invested with the same rigour used by Australia’s largest institutional investors

Superannuation
& Financial Freedom

Superannuation Strategy

Who this is for:

People with $200,000+ in superannuation who haven’t reviewed their strategy recently
High-income earners wanting to maximise concessional contributions before year end
People approaching 60 considering transition to retirement options
Anyone with multiple super accounts that have never been reviewed or consolidated
Couples wanting to equalise their super balances for tax efficiency in retirement