Superannuation Advisory
When it comes to super, we believe in going beyond the basics

Superannuation Advice With our expertise, you’ll discover a world of strategies to optimise your superannuation journey. From contribution strategies that boost your savings to super and tax strategies that minimise your tax liabilities, we’ll show you how to make the most of every opportunity with both income and compounding growth-focused investments.

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Don't let superannuation be a source of stress

Our experienced professionals are dedicated to helping you with all your superannuation needs. We'll provide personalised assistance and guidance, ensuring you understand the purpose, benefits, and risks associated with superannuation and supporting you in navigating your investment and retirement planning journey, fully optimising this vehicle.

Why BMP Wealth Adviser?

We understand that everyone’s financial journey is different, and we’re here to tailor our services to meet your specific needs and goals

Ongoing Support Services

We provide continuing support to help you navigate the changing financial landscape, adapt to regulatory changes, and adjust your strategies as needed

Our Point of Difference 

Our goal is to empower you to make informed decisions and maximise your savings for a secure and comfortable retirement

Our Capabilities

Superannuation is more than just a retirement savings vehicle; it's your passport to financial security and a comfortable lifestyle in your golden years. With enticing tax advantages, compounding growth and income investment strategies, and savvy contribution tactics, superannuation offers a wealth of benefits that can turbocharge your savings.

Superannuation is a cornerstone of Australia’s retirement system, designed to help individuals save for their future and ensure financial security in retirement. It is a long-term investment vehicle that offers a range of benefits and strategies to maximise your savings. Let’s delve into the purpose of superannuation, its benefits and risks, and explore various strategies to optimise your superannuation journey.

The primary purpose of superannuation is to provide income for individuals in retirement, supplementing the Age Pension. It encourages Australians to save for their future by contributing a portion of their income throughout their working life. Superannuation aims to ensure financial independence and a comfortable lifestyle during retirement.

  1. Tax Advantages: Superannuation offers attractive tax benefits. Contributions made into super are generally taxed at a lower rate than regular income, allowing you to save on taxes while growing your retirement savings. Additionally, investment earnings within super are also taxed at concessional rates.
  2. Compounding Growth: Superannuation allows your savings to grow through compounding returns over time. As your contributions and investment earnings accumulate, the power of compounding can significantly increase your retirement savings.
  3. Employer Contributions: Many employers are required to contribute a percentage of their employees’ earnings into their super accounts, known as the Superannuation Guarantee. This compulsory employer contribution helps boost your retirement savings.
  4. Investment Choice: Superannuation offers a range of investment options, including shares, property, cash, and managed funds. This flexibility allows you to tailor your investment strategy based on your risk tolerance and financial goals.
  5. Retirement Income Options: Upon reaching your preservation age, you can access your superannuation as a regular income stream, lump sum withdrawal, or a combination of both. This flexibility enables you to structure your retirement income to suit your needs and preferences.
  1. Market Volatility: Superannuation investments are subject to market fluctuations, which can impact the value of your savings. It’s important to have a diversified investment portfolio and consider your risk tolerance when selecting investment options.
  2. Regulatory Changes: Superannuation regulations and policies can change over time. Changes in contribution limits, taxation rules, or retirement age requirements may affect your retirement plans. Staying informed and regularly reviewing your strategy is crucial to adapt to any regulatory changes.

At BMP Wealth, our dedicated team of advisers is committed to assisting clients with their superannuation needs in an engaging and impactful way. Here’s how our advisers can help you make the most of your superannuation journey:

  1. Personalised Approach: We understand that everyone’s financial situation is unique. Our advisers take the time to listen to your specific goals, aspirations, and concerns. Understanding your circumstances allows us to tailor our advice and strategies to meet your needs. Our personalised approach ensures that you receive guidance that is relevant and meaningful to you.
  2. Expert Knowledge: Our advisers are well-versed in the complexities of the superannuation landscape. We stay updated with the latest regulations, investment trends, and tax strategies. With their extensive knowledge and experience, they can guide you through the intricacies of superannuation and provide you with accurate and up-to-date information. This empowers you to make informed decisions and optimise your superannuation savings.
  3. Communication and Education: We believe in empowering our clients with knowledge and understanding. Our advisers are skilled communicators who translate complex financial concepts into easy-to-understand language. We will explain the ins and outs of superannuation, investment strategies, and regulatory requirements, ensuring you understand your options clearly. We make the advisory process engaging and interactive through educational resources, webinars, and interactive tools.
  4. Ongoing Support: Superannuation is a long-term journey, and our advisers are there with you every step of the way. We provide continuing support to help you navigate the changing financial landscape, adapt to regulatory changes, and adjust your strategies as needed. Whether you have questions, need assistance with paperwork, or require advice on changing circumstances, our team is readily available to support you.
  5. Holistic Financial Planning: Superannuation is just one aspect of your financial picture. Our advisers take a holistic approach to financial planning, considering your broader financial goals, such as investments, retirement planning, estate planning, and wealth creation. By looking at the big picture, we can develop comprehensive strategies that integrate your superannuation objectives with your overall financial plan, ensuring all aspects harmonise.
  6. Client-Centric Focus: We strive to build long-term relationships based on trust, transparency, and mutual respect. Our client-centric focus means we always prioritise your best interests and provide advice aligned with your specific needs and objectives.

By choosing our team of advisers at BMP Wealth, you can be confident that you will receive engaging, personalised, and expert guidance to navigate your superannuation investment journey. We are committed to our clients, and you can make us your trusted partners on your financial journey.

  1. Contribution Strategies: Maximise your superannuation savings by taking advantage of different contribution types. These include concessional contributions (such as employer contributions and salary sacrifice), non-concessional contributions (after-tax contributions), and government co-contributions. Strategically managing your contributions can boost your retirement savings.
  2. Super and Tax Strategies: Utilise super and tax strategies to optimise your savings. These may include utilising spouse contributions, taking advantage of government incentives, and managing the timing and amount of contributions to minimise tax liabilities.
  3. Diversification: One of the key investment strategies is diversifying your superannuation portfolio. By spreading your investments across different asset classes, such as shares, property, cash, and managed funds, you can reduce risk and increase the likelihood of achieving favourable returns. Our team can help you assess your risk tolerance and develop a diversified investment strategy that aligns with your financial goals.
  4. Asset Allocation: Determining the right asset allocation within your superannuation is crucial. This involves deciding how much of your portfolio should be allocated to different asset classes based on your risk tolerance and investment objectives. Whether you prefer a more conservative approach or are comfortable with higher-risk investments, we’ll work with you to find the optimal asset allocation strategy.
  5. Age-Based Investment Strategies: As you approach retirement, adjusting your investment strategy to align with your changing needs is expected. This could involve gradually reducing exposure to higher-risk assets and increasing allocations to more stable investments to preserve capital. Our team can assist you in implementing age-based investment strategies that ensure a smooth transition into retirement.
  6. Sector or Theme-Focused Investments: If you have a specific interest in certain sectors or themes, such as technology, renewable energy, or healthcare, we can help you identify investment opportunities within your superannuation that align with your interests. This allows you to support industries you believe in while potentially benefiting from their growth.
  7. Ethical and Sustainable Investing: If ethical and sustainable investing is essential, we can guide you in selecting superannuation investments that align with your values. This may involve considering companies with substantial environmental, social, and governance (ESG) practices or investing in funds focusing on sustainable and socially responsible companies.
  8. Regular Review and Rebalancing: Regularly reviewing and rebalancing your superannuation portfolio is essential to ensure it stays aligned with your investment strategy and goals. We’ll help you monitor the performance of your investments, make adjustments as needed, and seize opportunities to capitalise on market trends.
  9. Borrowing in Super: Under certain circumstances, it is possible to borrow within your superannuation to invest in assets such as property. This strategy, known as limited recourse borrowing, can potentially enhance your investment opportunities and long-term returns. However, careful consideration of risks and regulations is essential.
  10. Accessing Super and Drawdown Strategies: Understand the conditions for accessing your superannuation, such as reaching your preservation age, retiring, or meeting specific circumstances. Develop a drawdown strategy that aligns with your retirement goals, considering factors such as account-based pensions, annuities, and other income stream options. BMP Wealth can assist you through our service offering.  

Understanding the complexities of superannuation and implementing effective strategies requires expertise and ongoing management. Seeking professional advice from qualified financial advisors can help you navigate the intricacies, maximise your savings, and achieve your retirement goals. At BMP Wealth, we are dedicated to helping you unlock the full potential of your superannuation. Our experienced team of financial professionals provides personalised advice, tailored strategies, and ongoing support to ensure you make the most of your superannuation journey. Take control of your financial future today and secure a comfortable retirement.

Additional Services & Access:

  • Choice of Cash Management Accounts (CMA) 
  • Spread of Professional Investment Managers (in-house investment managers)
  • Professionally Managed Portfolios 
  • Unlimited access to Shares and ETFs across established and emerging global exchanges, including the ASX.
  • Personalised Managed Accounts 
  • 24/7 digital access and regular reporting of investment holdings, performance, tax positions, and corporate actions.

 

Domestic and International Portfolios

Working with proprietary global investment platforms, B. Moses provides clients easy and unlimited access to the Australian and international equities markets and ETFs across major global exchanges, including the ASX. 

Securities Trading

The trading team at BMAM and BMS consists of highly experienced equities advisers specialising in mid-tier and large-cap companies on the ASX. In this specialised area, BMAM and BMS operate derivatives strategies, including equity and index options that generate income and provide hedging for portfolios and speculation.  

Equity Capital Markets (ECM)

The BMAM and BMS team has assisted listed and unlisted companies in raising capital through private equity and placements.