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If thinking about superannuation leaves you feeling overwhelmed, you’re not the only one.
Whether you’re happy to be hands-on or prefer to let your super do its thing in the background, there are plenty of ways to boost your current funds and inch that much closer to your work-free era on a desert island – cocktail in hand.
To help you along the way, I spoke with certified financial planner, Toby Perkins from NGS Super to get his best six takeaways for anyone (like me) looking to get super savvy, and super quickly.
1. Shift your mindset
Superannuation can be pretty overwhelming at times, especially when thinking about the various funds, fees and growth opportunities on offer.
To make things as simple as possible, Perkins suggests framing superannuation in the most basic way: as a tax-effective savings vehicle that will provide an income for your retirement.
"One of the good things, especially for younger people – is that you don’t have to have that much involvement with your super to have something growing and working for you," he explains. "As long as you're engaging with your super on some level, it's likely you'll be better off."
Perkins suggests simple but powerful acts including having a look at what you’ve already got in your fund, checking your insurance or making an investment decision early in the piece.
"Many people don’t look at their super until it’s fairly late, but if you can get involved when you get that first job or that first contribution, that can make all the difference," he explains. "The earlier you start nurturing your super, the more likely you are to benefit long-term."
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