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The first financial objective is protection against risk, in two ways. The first is to protect against the risk of the unexpected by accumulating emergency funds. The second is to protect against risk by purchasing an adequate mix of insurance that will cover death, disability, health and property.

You may not be able to afford additional super contributions as there will be other financial priorities, but at least you can ensure your super is invested for maximum long term growth, and that you have appropriate life and disability insurance in place within your super fund.

Retirement might seem a long way off, but taking an interest in your super fund to help maximise its growth can make a huge difference. An extra 2% annual return over your working life can as much as double your retirement benefits.

Lifestyle has developed investment methodologies for all stages of life and all risk appetites. We employ low cost investment and super platforms to help minimise fees, as fees reduce your returns.

Please feel free to contact us if you would like to discuss your options with one of our financial planners.