Finance Tips for ‘First Timers’ Tip 3


At the Kearney Group, we believe there is no time like the present. We also believe you don’t have to have a whole lot of income, assets or investment experience to benefit from a little advice.

While a long-term strategic plan will be necessary at some point, consider speaking to a financial planner who offers ‘scalable advice’. They should be able to help you cherry pick the strategies and services that will provide you with the most immediate value and will introduce you to the world of finance, one step at a time.

So, if you’re just starting to think about your finances or have been wondering for some time whether financial planning is right for you, we’ve got a few tips and tricks that might help you get rolling…

Previous Tips
View Tip 1: “Get Your Debt Sorted”

See last week’s tip “Build a Budget & Get a Cash Flow Management System in Place”

Tip 3: Get Your Superannuation Working

Remember… It’s Your Money:

So many of the people we encounter have no idea what Super really is, where it really goes or what else they could be doing with all this money.
Why is this problematic? Think of it this way: If you make a cash salary of $48,000 per year, your employer will send off $4,320 of your money somewhere. In what other situation would you feel comfortable not knowing where that much money was going?
Even if retirement seems a long way off, we’d definitely encourage you to get your Super working for you… The first step is finding out where it is and taking an active interest in what it’s doing.

Leverage Your Super:

• Merge multiple super accounts and start making the most out of your money
• Challenge our advisers to find your lost super
• Take advantage of tax concessions, government co-contribution schemes and salary sacrifice opportunities
• Line yourself up with inexpensive insurance and protections
• Try your hand at investing
Investment Experience:
With the introduction of the Superannuation Guarantee, most Australians will now spend 50+ years of their lives investing, in one form or another.
Australia’s unique super environment allows you to learn a bit about the markets and try out investing, no matter how much (or how little) you have in your fund.

Buyer Beware:

We understand the lure of the low-fee/ no-fee industry superfund… especially when you’re just starting out or when money is tight. But, did you know that we can now provide investment services (direct shares and cash management) with accounts that beat industry superfund rates? This way, you can access customised strategy from our award-winning team, and invest at the most competitive rates the industry has to offer.

For More Information:
• Visit us online: or speak to our team on +61 3 9428 8822.
• Explore Kearney Financial Planning’s Portfolio Management Service and History of Investment Performance.

Written By: Paul Kearney & Annie Lewis