3 Things You Should Change In Your Superannuation Strategy

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In this video I’ll run through the 3 things you can change in your superannuation account. Sign up to my weekly newsletter: sanjee.substack.com
Join me on other social channels:
Twitter: / sanjeesen
Instagram: / sanjee_investing
TikTok (yes really): / sanjeesen2020
My website: www.sanjeesen.com
Links:
MySuper comparison site (Australian Government): www.ato.gov.au/Calculators-an...
The Super product I use: hostplus.com.au/indexed-balanced
Unused contributions: www.ato.gov.au/individuals/su...
Superannuation calculators: www.australiansuper.com/tools...
ATO site on superannuation: www.ato.gov.au/individuals/su...
Timestamps:
0:00 - Intro
1:50 - The first lever - super product
2:25 - Comparison site
3:53 - The second lever - how much you put in
4:05 - Concessional amounts
4:58 - Salary sacrifice
5:48 - Unused super contributions
6:45 - After tax contributions
7:45 - Why should you add more to super?
9:30 - Risks of putting too much
10:03 - Third lever - where you invest it
11:30 - Premixed options
11:55 - Directly investing in ASX
13:28 - Risks of investing in ASX
My other superannuation videos:
Super Basics: • How To Optimise Your S...
My setup (Australian Amazon Affiliate links):
Canon 80d camera and lens: amzn.to/2He8SS6
Rode Main mic: amzn.to/3t1F2Uk
Rode mic (lapel): amzn.to/2TdeDBX
Useful links:
Australian Government website on personal finances: moneysmart.gov.au
Disclaimer:
The information provided in this video is general in nature only and does not constitute personal financial advice. You should also consider seeking the advice of an investment advisor who holds an Australian financial services (AFS) licence or is a representative of an AFS licensee. Be sure to work with someone who understands your investment objectives and tolerance for risk. Your investment advisor should understand these products, be able to explain whether or how they fit with your objectives, and be willing to monitor your investment alongside you. There are some Amazon Affiliate links above - if you purchase from there, at no additional cost to you, I will earn a small commission for each sale.

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Опубликовано:

5 июл 2024

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Комментарии : 15

@shikharq7 2 года назад

Very informative Sanjee. I would like to see a video where you compare the Host Plus index balanced fund with other funds like Australian Super High growth. Would like to know your opinion as you are invested in the former, is it good and would you recommend it? I used the ATO super comparison tool and put in all the numbers of performance and fees for the above 2 funds and in the end it shows the latter will give you more gains (even if you take in consideration the high fees), i was surprised as I was expecting it will be the other way round.

@slimeslime2123 2 года назад

Thanks for this video mate you explain things so well

@Shail465 Год назад

Is this cap of 27 k is for individual or apply on family income ???

@bishoyrizk471 10 месяцев назад

Great video as usual. Thanks

@SanjeeSen 10 месяцев назад

Thanks for watching!

@WhatTheFA 2 года назад

Hi Sanjee, thanks a lot for your great video as always. Could you please also create a comprehensive video about SMSF?

@paulsteven4551 2 года назад

Off topic, but. Is there an option for short term savings. I have started investing in EFT's for long term. But need to save for 6-12 months for an up coming expense. Money in an everyday savings account earns nothing. So any short term safe & stable options?

@isamisaac4188 2 года назад

Is VDHG available on Australian super?

@eggs-benny 2 года назад

great video

@sdwkk1 2 года назад

Great video Sanjee.. Can you discuss the tax implications when you roll out unused contributions to future years,in your next Super video .

@marquiss1 2 года назад

Great video Sanj, thought I’d mention brokerage fees with Choiceplus and other Super options where you can choose specific shares and ETFs, peace be with you brother

@pokeypickle3 2 года назад

I can’t do SMSF. I don’t have enough plus I might stuff it up. Only when my personal investment outperforms my Super (by a MASSIVE margin) would I consider a SMSF. There’s so much compliance work, etc. It is not worth the risk (of me making mistakes).

@pokeypickle3 2 года назад

Choose an industry fund over a retail fund. I pretty much destroyed my Super during my late twenties and most of my thirties by not being in an industry fund. Plus long periods of unemployment destroyed it as well. In my early 40s, I am happy to say I switched to AustralianSuper (Sept 2012). That decision increased my Super by at least four-fold in roughly 9 years with little contribution. I am way behind where I need to be. I choose 50% balanced, 30% International Shares and 20% Australian Shares. If I was less conservative, I would have chosen 0% balanced. I am much older than most of your audience. My warning to them is don’t be like me by the time you get to my age. Choose carefully when you are young and be prepared to change quickly and always stay informed. I hope no one strikes unlucky in life (with employment or life situations).

@adamgraham1802 2 года назад

i am having trouble seeing your AFSL? WHAT YOU ARE DOING IS A CRIME. I HAVE SENT THIS TO ASIC . GET A LICENSE ! STOP TAKING BUSINESS AWAY FROM US WHO DO THE RIGHT THING! IF I DONT SEE YOUR VIDEOS DELETED IN1 WEEK I WILL FOLLOW UP WITH ASIC. A DISCLAIMER DOES NOT ALLOW YOU TO GIVE ADVICE.