We have offices in Sydney, Melbourne, Perth, Brisbane, Adelaide, Canberra, Hobart and Newcastle

Superannuation Investment and Portfolio Construction

“Remember that the stock market is a manic depressive.” Warren Buffer – Net Worth USD 133 Billion

Setch Group helps you unlock the potential of the financial markets. Discover our Superannuation Investment and Portfolio Construction services and book a no-obligation consultation today.

What is Superannuation Investment and Portfolio Construction?

Superannuation Investment and Portfolio Construction is the professional process of investing your capital over time to build long-term wealth. The types of investments you make and how these interact with each other directly impact your ability to accumulate wealth within your risk profile. Portfolio construction solutions involve not just the individual superannuation investments in your portfolio, but the mathematics of quantifying how each investment might correlate or covary with other investments. It also means determining what investments should be included in your portfolio and their relative weight, which impacts your overall return-risk position.


Superannuation Financial Advisor

Planning for a secure retirement requires a well-structured approach to managing your superannuation. At Setch Group, our superannuation financial advisor team specialises in helping individuals optimise their superannuation investments to achieve long-term financial success. Whether you’re consolidating multiple accounts, assessing your risk profile, or building a diversified portfolio, we provide expert guidance tailored to your unique circumstances.


What a Superannuation Advisor Can Do for Your Retirement

Superannuation is vital to retirement planning, but navigating the complexities of investment options and market volatility can be daunting. A trusted superannuation advisor ensures your superannuation is aligned with your financial goals, helping you make informed decisions that maximise your retirement savings.

At Setch Group, we offer:

  • Superannuation consolidation: Combining accounts to reduce fees and simplify management.
  • Portfolio construction: Tailored investment strategies based on your risk profile.
  • Ongoing support: Regular updates and adjustments to keep your portfolio aligned with your goals.

By working with a financial advisor for superannuation, you gain access to the expertise needed to make the most of your retirement savings.


Expert Guidance from a Superannuation Advisor

Our financial advisor superannuation services are designed to meet each client's unique needs. We begin by understanding your risk tolerance, financial goals, and current superannuation position.

Whether you’re a seasoned investor or new to superannuation planning, our superannuation advisor team works with you to create a customised approach that evolves as your needs change.

Our services also extend to complementary areas, such as debt management plans in Australia and aged care financial planner solutions, ensuring your financial strategy is holistic.


Benefits of Working with a Financial Advisor for Superannuation

At Setch Group, we prioritise transparency, expertise, and personalised service. By partnering with our superannuation consolidation advisor team, you’ll benefit from:

  • Clear explanations of investment options and recommendations.
  • A proactive approach to adjusting your portfolio as market conditions shift.
  • A dedicated team that works in your best interests to optimise your financial future.

Our clients value our ability to simplify complex decisions and deliver measurable results. Whether consolidating accounts or planning for early retirement, we provide the tools and confidence you need to succeed.


Achieve Your Goals with a Superannuation Financial Advisor

Contact Setch Group to schedule a no-obligation consultation with our expert superannuation financial advisor team. We’ll create a tailored superannuation strategy to secure your financial future.

The complexities of Australia's financial markets

Financial markets are volatile, uncertain and inherently risky. Ironically, the most common way that Australians choose to invest their hard-earned superannuation is through the stock market. At Setch, we manage your investment in the ‘manic depressive’ stock market as part of our superannuation investment approach and help you select from a range of superannuation investment strategies and options.

We proactively monitor and provide recommendations for your portfolio construction, dissecting global economic data and market conditions, conducting asset research and consistently performing scenario analysis to assess and manage the risks and opportunities inherent within a manic market.
image-service

Determining the right superannuation investment strategy

At present, there is considerable disagreement about inflation and its direction. Despite this, many experts agree that this will impact superannuation investment options. These factors are an integral component of your superannuation investment strategy.

Setch’s approach does not conform to a one-size-fits-all portfolio construction process. We build your superannuation portfolio solution to reflect you, rather than a company/institutional position. From our experience, we know that every client evaluates superannuation investment options differently, even if slightly so, and needs a varying superannuation investment strategy.

image-service

Align products with your risk profile

We start the portfolio construction process by determining your risk profile and what investment/market products are appropriate for you to invest in. This involves asking you questions and discussing your investment goals and objectives, financial and personal circumstances and attitudes towards superannuation investment risk and return.

Here, we discuss the characteristics of a manic market. History has shown that the investment risk and superannuation investment returns tradeoff is not that simple, with ‘so-called' high investment-graded securities, such as mortgage-backed securities, proving to be highly risky and manic.

Our experienced Investment Committee diversifies your portfolio by researching the multiple risks that underpin investment classes. Our objective is for you to understand the potential sources of your superannuation investment returns.

Personalised Advice

Sophisticated Investment Strategies

Cost-Effective Solutions

Comprehensive Financial Education

Don’t just take our word for it, book a free appointment!

FREE APPOINTMENT
image-service

Comprehensive market analysis

We make sense of the markets for you and provide you with superannuation investment options in your best interests. As part of our portfolio construction process, we ask for feedback so that we can correctly assign your risk profile (e.g., balanced or growth etc.) and collaborate with you to construct your superannuation investment strategy.

Ongoing support

Transparency is key. As part of managing your superannuation investment and portfolio construction solutions from our nation-wide locations, we will reach out multiple times throughout the year to keep you informed of why we have selected these options and the research underpinning our decision while recommending other investment options for you where appropriate.

We’ll not only inform you of what asset classes and specific superannuation investment options we recommend for you by percentage but also the “why” behind our selections.

image-service

Discover the best superannuation investment options with Setch Group

While we may take care of your superannuation investment options and develop portfolio construction solutions, you are always in control. At Setch Group, we talk to you, send you market briefings and provide customised advice documentation so that you can make more strategic decisions regarding your portfolio.

Get in touch with us today to discuss your investment portfolio with an expert in the field.

Case studies

Superannuation and Debt Management

Robert is 59 years old and single. He earns over $150,000 but still has a mortgage, a car loan and personal debt, and is somewhat exposed to rising interest rates.

Learn More

Mortgage, Investments and Insurance

Costa and Susan have two children and are in their early thirties. They have a mortgage and surplus savings, they are looking for ways to accumulate wealth and want to consider insurance.

Learn More

Retiring Early

Matthew is 49 years old and has children from a previous relationship. He has a house, a car, a boat and a motorbike but a low super balance.

Learn More

Portfolio Construction and Wealth Management

Peter and Aisha are in their 40s. Peter is in the construction industry but has not been happy with the performance of his superannuation. He notices that many of the large superannuation funds have investments in office buildings and is curious how infrastructure projects will perform financially as interest rates rise and the risks of these assets classes.

Learn More

Investments and Superannuation in the context of Relationship Separation

Sandra is 52 years old and has recently separated from her partner. Sandra owns a house with a mortgage from a previous relationship, and she owns a property with her recent ex-partner, and is looking for guidance in relation to the financial aspects of the separation and how to manage her investments and superannuation.

Learn More

Insurance and Wealth Accumulation

Robin and Noa have two young children and are 40 years old. Robin earns close to $90,000 and Noa earns close to $160,000. They have a mortgage and a personal loan, with monthly savings of about $750.

Learn More

Financial advice for Blended Families

Weng and Karen are 62 years old and 54 years old respectively and have non-dependent children from previous relationships. They have been divorced.

Learn More

Financial Advice for Young Families

Patrick is a devoted father with a young family. He has a solid income and wants his superannuation to work hard for his family’s future. Like many Australians, his superannuation contributions are directed to a fund selected by his employer, which includes basic insurance arrangements. Patrick's scenario is common for people with growing families.

Learn More

Wealth Accumulation including Ethical, Sustainable and Governance Investing

Thao is in her late twenties and single. She recently bought an apartment but is renting, and has an interest in wealth accumulation with an ESG theme. Further, one of her friends was in an accident and did not have insurance in place.

Learn More

Insurance

Brydon is 37 years old and has been working in the mining industry and contributing to a default superannuation fund offered by his employer. His family circumstances have changed significantly since he started working, in that he has a partner and two children.

Learn More

Frequently asked questions

Superannuation is money saved specifically for your retirement. The money is ‘preserved’ and stays within a designated superannuation fund and is often invested. Certain events trigger access to these monies and we have detailed knowledge of the eligibility criteria. Your employer must pay 11.00% (for financial year 2023-2024) of your earnings (excluding bonuses and Fringe Benefits) into your super account. In addition, you can make additional contributions to your superannuation account via concessional and/or non-concessional contributions depending on eligibility.

In conjunction with you we ascertain your risk profile and based on your risk profile (tolerance and appetite) and our Investment Committee approach to the financial markets proactively construct investment portfolios for you. View Our Portfolio Construction Process. We offer you a range of investment options depending on your risk appetite and investment goals to help you choose what is best for you and customise your portfolio.

The super will be invested in a variety of assets such as stocks, bonds, property, commodities and cash. The aim is to generate returns over the long term, which will ultimately fund retirement income for you.

We typically offer a range of investment options catering to different risk appetites and investment goals. These options may include growth, balanced, conservative, and cash investment strategies, each with varying allocations to different asset classes.

A financial advisor for superannuation helps you optimise your superannuation investments by assessing your risk profile, selecting suitable investment options, and providing strategies to grow your retirement savings. They also assist with consolidating multiple accounts and ensuring your portfolio aligns with your financial goals.

Consolidating superannuation accounts reduces fees and simplifies management. A superannuation consolidation advisor can help you identify duplicate accounts, assess fund performance, and streamline your super into a single, well-managed portfolio.

Superannuation funds offer various options: growth, balanced, conservative, and cash investment strategies. Each option varies in risk and asset allocation, and a financial advisor superannuation can guide you in selecting the best fit for your goals.

Superannuation investments carry risks such as market volatility, economic changes, and regulatory updates. Factors like asset allocation, fund performance, and investment strategy also impact returns. A superannuation advisor helps mitigate these risks through diversification and tailored planning.

Regular reviews ensure your portfolio remains aligned with your goals and market conditions. At Setch Group, we provide ongoing support and updates to help you adjust as needed.

Our other services

Superannuation Investment and Portfolio Construction

Learn More

Superannuation and Wealth Accumulation

Learn More

Debt Management

Learn More

Pre-Retirement Planning

Learn More