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When you train your super with your smartCoach you can expect to intensify your investment knowledge, crunch your contributions, strengthen your insurances and make sure you have the right strategy in place to win your big game. And because your smartCoach comes at no extra cost, you can call on them whenever you need to get in better shape.
As a father of three, Pat understands the importance of time, planning and good health. Leveraging 10 years of experience in insurance, Pat's clear communication and timely actions help members maximise their own time and focus on what's important to them.
That is a great question and it’s one we are asked regularly by members and prospective members. While we can’t tell you which is the best fund for you, if you are a smartMonday member we can help you to understand superannuation so that decisions you make will be more informed. Contact your smartCoach team to learn more about your smartMonday account, in personalised and easy to understand terms.
Super is not necessarily simple or straightforward so here is a framework to help you compare super funds. Before you decide on what super fund might be best for you, you should consider
How hands on do you want to be? Some people get a kick out of making their own investment choices – constructing their own strategy, keeping an eye on investment markets and fine-tuning their portfolio themselves. Others…not so much. So be sure your selected super fund offers a ‘hands-on’ level that suits you best, such as:
Low hands on: Look for a fund with a MySuper option
Medium hands on: Look for a fund with a Pre-mixed investment option
High hands on: Look for a fund with a Sector investment option
It’s not just about fees, your super balance grows best when the net benefit [(investment returns x current balance) minus fees] is greatest. So, make sure you check out the fees the super fund charges for your preferred investment options as well as the performance
We all know that insurance isn’t just insurance - see what cover is available and what it will cost. Some funds offer default insurance cover provided with no medical check necessary (that’s called ‘automatic acceptance’).
Extra employer benefits – for their preferred super fund, your employer may pay more than 11.5%, may have negotiated lower fees, or make extra contributions to cover some of the fees and insurance costs. Don’t forget to ask them.
Above all, choosing a super fund is like picking a well-balanced diet that you are comfortable with and can stick to over the long haul. Chat to a smartCoach to find out more about the ongoing support members can receive from smartMonday.
We’d love to hear from you!
Talk to a smartCoach today on 1300 262 241, or email smartcoach@smartmonday.com.au.
