Superannuation Advice and Planning

Superannuation is a tax effective long-term savings plan that enables you to save money for your retirement

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Superannuation Advice and Planning

Superannuation is a tax effective long-term savings plan that enables you to save money for your retirement.

While you are working your employer must pay compulsory contributions into your super account which is a fund of your choosing. This fund may also receive contributions from you, your spouse and employer as voluntary payments and in some cases the Federal Government may also contribute to your super account. The Federal Government also provides incentives (including tax savings) for you to contribute towards your super. However, there are some limits on the contributions that you can make to super. There are restrictions around when you can access your super. However, when you reach age 65 or your preservation age and have retired, you can access your super savings as a lump sum or receive a regular income stream through a pension account.

A pension account allows you draw a regular income from your super savings while taking advantage of tax concessions for income streams.

Extensive ranges of carefully selected investment funds offer choice and flexibility. This variety enables you to diversify your investment and gain exposure to a range of asset classes, fund managers and investment styles.

Convenience and control through extensive services, including regular portfolio management plans such as; a regular investment plan (Personal Super only), auto-rebalancing and dollar cost averaging plans. You also have access to convenient pension payment options.

Protection for those closest to you is available by tax effectively packaging insurance cover within your superannuation with a choice of Death only or Death and Total & Permanent Disability (TPD).

For more information contact Trevor Stirling Dip (financial Planning) Authorised Representative 238665.

Superannuation Advice and Planning Services

While you are working your employer must pay compulsory contributions into your super account which is a fund of your choosing

For more information contact Trevor Stirling Dip (financial Planning) Authorised Representative 238665

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*ODVS Financial Services Pty Ltd ATF The ODVS Unit Trust Trading as ODV Accountants & Financial Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd | ABN 610 94 529 987 Australian Financial Services Licensee - Licence Number 244252 30 Hickson Road, Millers Point  NSW  2000 Phone 1300 129 450 Email: [email protected] www.millennium3.com.au

The information provided is general in nature. It has been prepared without taking into account any of your individual objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. This publication is prepared by IOOF for: Millennium3 Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244252. This publication is not available for distribution outside Australia and may not be passed on to any third person without the prior written consent of the Advice Licensees. The views expressed in this publication are solely those of the author; they are not reflective or indicative of the Advice Licensees position and are not to be attributed to the Advice Licensees. They cannot be reproduced in any form without the express written consent of the author.