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💼 Are you ignoring your superannuation? You could be leaving tens of thousands on the table. In this eye-opening episode of LevelUp Podcast with Priyanka Shah, we dive deep with financial expert Michael Sauer into: ✅ The basics and benefits of superannuation ✅ Common mistakes most Australians make ✅ How to choose the right super fund ✅ Salary sacrificing, concessional & non-concessional contributions ✅ Super strategies to minimise tax and retire rich ✅ Insurance inside vs outside super explained Whether in your 20s or 50s, it's time to take control of your financial future. 👤 Connect with Michael: ⁠https://www.linkedin.com/in/michael-sauer/⁠ Timestamps: 00:00 - Introduction to Superannuation 00:38 - What Is Superannuation & Why It’s Powerful 01:15 - The Tax Benefits of Super 02:00 - Why Most Aussies Ignore Their Super 03:15 - Common Mistakes: Forgotten Funds & Incorrect Details 04:50 - Boosting Your Super with Contributions 05:45 - Concessional vs. Non-Concessional Explained 07:00 - Salary Sacrifice Example ($120K Income) 08:10 - Contribution Caps & Carry-Forward Rule 09:45 - Personal Deductible Contributions 10:25 - How Much Should You Contribute? (Cash Flow Tips) 11:15 - Small Contributions + Compounding = Big Impact 12:05 - Super Investment Strategies: Growth vs Balanced vs Conservative 13:45 - Choosing the Right Investment Option by Age 15:05 - Risks, Fees & Retirement Bonus in Super Funds 16:45 - Should You Switch Super Funds? 18:05 - Retail vs Industry vs SMSF — What’s Right for You? 19:30 - ATO’s Super Fund Comparison Tool 20:35 - Insurance Inside Super: What You Didn’t Know 22:35 - Why Retail Insurance Might Be Cheaper (Myth Busted) 24:00 - The Danger of Relying Solely on Super Insurance 25:30 - Key Things to Review in Your Super Statement 26:25 - Beneficiaries in Super: Are You Doing It Right? 28:00 - What Age Should You Start Taking Super Seriously? 29:15 - Accessing Super in Retirement (TTR vs Pension Phase) 31:00 - Lump Sum vs Monthly Pension: What’s Best? 32:10 - Consolidating Super: What to Check First 33:05 - Why Multiple Funds = Higher Fees & Complexity 34:10 - How to Avoid Outliving Your Super 35:15 - Strategic Retirement Planning with an Advisor 36:30 - Final Tips: Don’t Wait to Take Control of Your Super!

What is your Financial Strategy? Is it paying off your home loan, rent-vesting or a combination of strategies? Find out the pros and cons of each strategy! General advice only! #financialplanning #financialadvice #rentvesting #superannuation #homeloan #familytrust

Do you know if you are on track to reach all of your goals? If you couldn't, would you know the steps to make your goals a reality? If you have answered no to either of those questions, perhaps it is time we chatted.

You should never retire without first seeing a Financial Planner to help you optimise your: tax planning, investments, retirement expenses, estate planning, age pension, retirement planning and financial planning.

One of the most commonly googled financial questions is "how long does $500,000 last in retirement?". Find out now! General advice only and these are estimates only based on current super, age pension rules etc and they rely on the assumptions listed in the video. You should consult with a financial planner before making any decisions.

These are the 10 BIGGEST Retirement Planning mistakes I see as a Financial Planner. If you need help avoiding them, you can reach out!

Here is what you can expect working with a Financial Planner! Need to know more about any area? Check out our blogs, videos or book a call.

When should you hire a Financial Planner? We break down some of the emotional and life events that require advice.

Do you need a Financial Planner? Take the free 3 minute assessment to find out at: https://www.sourcewealth.com.au/adviceneedassessmenttool