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For many, superannuation in Australia or Kiwisaver in New Zealand is the cornerstone of their retirement savings, representing a significant portion of their investment portfolio. However, understanding the benefits of supplementing retirement contributions with alternative investment strategies is important if you want to build a multi-faceted investment portfolio, rather than a singularly focussed investment in just your superannuation or Kiwisaver. In this article, we’ll explore the advantages of making additional contributions to your account while also understanding alternative investment options outside of superannuation or Kiwisaver.
Superannuation or Kiwisaver is a long-term investment that offers many benefits, making it an important component of your retirement planning. The key advantages include:
While superannuation or Kiwisaver can be a significant investment, diversifying your portfolio beyond it can enhance financial resilience and provide additional avenues for wealth accumulation.
When you’re considering investing, you need to ask yourself a number of questions:
Below is an overview on some of the more popular options for investing, but remember that before making any decisions on what is right for you, you’ll need to do your own research:
For comprehensive and reliable information, there are a number of trusted sources you may want to review, including:
While this article aims to provide valuable insights, it is crucial to recognise that individual circumstances vary. If you’re uncertain about the appropriate investment strategy, seek advice from a qualified financial adviser. A professional can tailor recommendations based on your financial goals, risk tolerance and overall situation.
Balancing contributions to your superannuation or Kiwisaver with other investments can pave the way for a more secure financial future. Property investing, shares and other alternatives offer diverse opportunities for wealth accumulation. Referencing additional information from trusted sources can help ensure your investment decisions align with your investment goals, providing a better foundation for financial success. Remember, seeking advice from financial experts is a prudent step for personalised guidance in navigating the complex world of investments.
Any advice and information on this website is general in nature and is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), which is part of the Resolution Life Group. Resolution Life can be contacted via the Contact us page. The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters as well as the relevant Product Disclosure Statement (PDS) or Policy Document, available here or via the Contact us page. Before making a decision about the product, consider speaking to a financial adviser if you have any concerns.
If you decide to purchase or vary a financial product, Resolution Life and/or other companies within the Resolution Life Group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium they pay or the value of their investments. You can ask us for more details.
These products are not issued by the AIA Group. The AIA Group has sold to the Resolution Life Group that part of the business that previously provided or administered these products. The Resolution Life Group and its products and services are not affiliated with, or guaranteed by, the AIA Group. The Resolution Life Group uses AIA's trademarks under licence.