A super investment

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When you invest money through superannuation, earnings are taxed at a maximum rate of 15%, not your personal marginal rate – which could be as high as 47%. This lower tax rate means your money can grow faster than investments that are taxed at a higher rate.

There are also a number of strategies that could enable you to pay less tax now, while building up your savings for retirement. Furthermore, all benefits received from a taxed super fund after turning 60 years old will generally be tax-free.

Super does, however, have restrictions on how much and when you can drawdown or access your funds, so ensure you are fully aware of these rules and limits.


"Self-employed people often earn a decent income while working. However, without the benefit of employer-paid superannuation contributions often have little money to live on in retirement. Don’t rely on selling..."

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Sara Fitzgibbon

Administration Assistant - Part Time
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Newbrocom Pty Ltd (ABN 39 152 026 330) trading as Momentum Financial Planning is an authorised representative of Charter Financial Planning Limited, Australian Financial Services Licensee Licence number 234665.



Momentum Financial Planning is one of a select number of businesses that has been awarded Certified Quality Advice Practice status by Charter Financial Planning. This programme sets an industry benchmark for providing high-quality financial advice. The certification is awarded based on industry qualifications, demonstrated best practise business operations and proven success in meeting the financial planning needs of clients.

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