2 Are You Tracking for a “Goldilocks” Retirement? At SK Financial Group, we know that clarity is the foundation of financial confidence. Many clients ask us the same fundamental question: “How am I actually doing compared to everyone else?” Recent data featured in the Australian Financial Review provides a rare look at superannuation benchmarks. Using ATO and APRA data, senior portfolio manager Steve Flegg mapped out what it takes to be in the “middle of the pack” versus the elite top tiers. Where Do You Stand? As we age, the gap between the average saver and the top tier widens significantly. Here is how the benchmarks currently look: Why the “Goldilocks” Zone Matters The top 25% is often the “just right” sweet spot. For a 50-year-old, maintaining a balance in this range puts you on track for a “comfortable” retirement (approx. $54,240 p.a. for individuals). This lifestyle includes private health insurance, a reliable car, and regular travel. Aiming for this bracket often allows you to maximise super income while potentially remaining eligible for a part Age Pension. Moving Up the Ranks Top-tier balances are rarely an accident; they are engineered. Key strategies include: • The 1% Difference: Switching from “Balanced” to “High Growth” options early on can result in significantly higher annual returns over time. • Salary Sacrifice: Utilising the $30,000 concessional cap is the most effective way to bridge the gap. • Consistency: The biggest jumps happen in your 40s and 50s. Those in the top 5% act early and avoid “de-risking” too prematurely. Are you in the Goldilocks zone, or is your super “under-leveraged”? Contact the SK team today on 1300 00 11 08 and discover the transformative power of financial planning. 1300 00 11 08 www.sedleykoschel.com.au see advertisement front cover 16 Dunkirk Close, (off Allied Dr) Arundel (2 streets south of Harbour Town Shops) | Est. 17 Years Order Online www.newlifefoodbarn.org or PH: 0410 565 781 HOME DELIVERIES Jacobs Well to Currumbin SHOP WED & THURS 10am-12pm, SAT 9-11.30am Pre-ordered parcels from $72 Supporting our community newlife foodbarn Food Relief for the Gold Coast D.G.R. Charity FOODBARN SHOP NOW OPEN SATURDAY 9-11.30am DISCOUNT FOOD GROCERY SHOP WED-THURS-SAT Welcome to Helensvale Laundromat At Helensvale Laundromat, we aim to make your laundry experience as convenient and stress-free as possible. All of our machines accept coins, cards, or phone payments, providing flexibility and ease for every customer. Easy-to-Use Machines - Our washing and drying machines are designed for simplicity. To get started, simply tap your card or phone on the reader, select your preferred wash or dry temperature, and press start. There’s no need to worry about bringing your own cleaning products—top quality laundry chemicals are included. The correct amount of soap, softener, and sanitiser is automatically dispensed with every cycle, ensuring optimal results every time. For pet owners - We also offer a dedicated 14kg Pet Laundry washing machine, perfect for keeping your furry friends’ bedding and accessories clean. Convenient Location and Parking - Parking is free and easy, right outside our premises. We are conveniently located just across the road from the Coles Supermarket, making it simple to run errands while your laundry is being done. Open 24/7 All Year Round - We are open 24 hours a day, seven days a week, 365 days a year, so you can do your laundry whenever it suits your schedule. Contact Us - If you need any assistance, please call us on 1300 528 628. We’re here to help! See advert front cover Hot washes are included FREE! Tired of Broken Vertical Blinds? Blinds Don’t Open? Fabric Blades Faded? CALL RON 0438 724 834 No Call Out Fee or Minimum Charge SPECIAL PRICES FOR SENIORS We can fix them or replace Tracks only, New Blockout Blades or complete NEW Verticals with simple Wand Controls
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