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Superannuation in your mid 40’s


Superannuation in your mid 40’s

Most of us in our mid 40’s are working hard, managing work or a business, and have a busy social and family life.

Managing your super and finances come in your priorities list at, well… normally it doesn’t get much of a mention.

Before you know it, you will be 60 (remember when you were 20!) …

And if you look back at age 60, I can guarantee many will say, “if only I had invested my super a little bit better”

So here is a tip – stay with me it’s not that hard – it could take you less than 30 minutes and the result could be …. life changing!!

All it takes is to:

  • Check where your current super is. Call them.
  • Look at the asset allocation.
  • Look at the costs.

Now was that hard?

Ok, a couple of more steps to take:

  • If your fund is not invested in the right asset allocation for you – change it!
  • If your fund costs too much, or you don’t even know if they are charging too much, change it!


A difference of 1% over 20 years could make a huge difference

In a like for like comparison over 20 years:

$200,000 invested with 3% costs would be worth $290,000 less than if that same $200,000 was invested in a fund with 1% costs.

Next step:

  • Open a Scientiam account, with paperless forms and rollover processes!


To take control of your finances and learn more about investments than most financial planners dare to discover check out Scientiam for more readings and insights on how markets really work and how as an investor you can learn how to really invest and not gamble.    

It’s your future.  

Here’s to smart investing using science not guesswork.