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Your Annual Statement checklist

July 2019

Five steps to set your super up for a healthy year ahead.

It’s important to take personal interest and ownership of your superannuation and investments and regularly review them to make sure they are appropriate, affordable and aligned to your circumstances. And there’s no better time to do this than when you receive your annual statement.

Take action in just five steps:

  1. Review the investment performance in your statement – How have your selected investments performed? What other options exist? Could there be more appropriate ones you can invest in to maximise your return?
  2. Review the fees you have paid in your statement – Are all of the fees listed correct? Have you received advice if you’ve paid for it? Are there more affordable solutions available to you in your current product or within the category?
  3. Review your level of insurance cover – Is your cover appropriate, affordable and necessary for your current situation, needs and stage of life? Or are the fees eroding your account balance?
  4. Review your financial goals and plan – What are your financial goals? Are your investments tracking towards them? Is your level of risk appropriate to help you achieve your goals?
  5. Speak to your financial adviser – Your adviser can help you review your situation and address the questions above.

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Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice.

Before re-directing your super or moving your money into your product, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. Any investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. Returns can go up and down. Past performance is not indicative of future performance.

The information provided is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances or objectives. The case studies used in the articles on this website are hypothetical and are not meant to illustrate the circumstances of any particular individual. Opinions expressed in this document are those of the authors only.