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Superannuation and wealth accumulation — Setch Group

Building a secure financial future starts with smart superannuation and wealth accumulation strategies. Our financial advisors are experts in understanding your superannuation benefits and creating personalised plans to grow your wealth.

Whether you’re just starting your career or nearing retirement, we provide tailored advice to help you make the most of your superannuation, invest wisely and achieve your long-term financial goals.

Learn more about how Setch Group can help you make smarter choices with your super by booking a consultation with us today.

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Understanding the importance of your super

Superannuation in Australia is a term used to describe an investment entity for wealth accumulation and retirement planning. Almost all people in Australia, when they commence employment or start their own business, can participate in contributions to their superannuation.

Each month, your employer or business pays a proportion of your wages into a fund specifically established for superannuation. From 1 July 2024, it was determined that your employer will put 11.5% (and 12% from 1 July 2025) of your salary and wages into a superannuation fund, known as the superannuation guarantee levy or superannuation guarantee rate.

The rate has increased and may continue to increase over time, making it a vital wealth accumulation tool. For more information about the current and future rate of super contributions, visit the ATO’s Super Guarantee page.

As you can imagine, over a lifetime of work and superannuation contributions in Australia, together with the impact of compounding returns, the wealth accumulation strategies you select will have a significant impact on how comfortable your retirement will be.
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Wealth accumulation strategies with Setch Group

There are many ways to build wealth through your super fund, and the team at Setch is here to help you find the one that’s right for you.

For instance, you may contribute additional amounts personally or through what is known as salary sacrifice as a wealth accumulation strategy. However, there are rules and caps because of the significant wealth accumulation benefits from superannuation. Further contributions can be made concessionally or non-concessionally.

Contributions are made in different ways depending on personal circumstances, including how and when they are made and the type of contributions they are. Given this complexity, it’s important to consider the expertise of a financial advisor who can guide you in developing super wealth accumulation strategies in Australia.

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Take control of your financial future today with Setch Group

As different wealth accumulation strategies can result in significantly different outcomes in the accumulation of wealth in Australia, it’s important to ensure your super fund is working in your favour.

Get in touch with the Setch Group financial advisors for financial advice on your superannuation and wealth accumulation.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Frequently asked questions

Superannuation wealth accumulation refers to the process of building savings and investments within a superannuation fund over time, with the goal of accumulating sufficient funds to provide financial security during retirement.

Superannuation wealth accumulation involves making regular contributions to a superannuation fund, either through employer contributions, personal contributions, or non concessional contributions. These contributions are then invested across various asset classes to generate returns and grow the fund’s value over time.

The amount you should contribute to your superannuation depends on factors such as your age, income level, retirement goals, debts, surplus cashflow and lifestyle expectations. It is essential to strike a balance between current financial needs and long-term retirement savings goals.

Maximising wealth accumulation in your superannuation fund involves regular contributions, choosing appropriate investment options based on your risk tolerance and goals, reviewing and adjusting your investment strategy periodically, and taking advantage of employer contributions and government incentives.

Our other services

Superannuation Investment and Portfolio Construction

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Superannuation and Wealth Accumulation

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Debt Management

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Pre-Retirement Planning

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