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Superannuation Investment Strategies and Advice for Sydney

Superannuation serves as a financial reservoir for retirement, accepting contributions from both employers and individuals.

The balance of your superannuation benefits hinges on several factors:

  • The level of Superannuation Guarantee Contributions (SGC) from your employer
  • The sum of your own contributions
  • Any additional bonus contributions
  • Returns on investment assets
  • Administrative fees and other charges within the super fund
  • The selected investment options

Situated in Parramatta and catering to the entire Sydney area, Macarthur Wealth Management can provide expert guidance on a variety of superannuation investment approaches. Contact us today.


Accessing your superannuation

Access to your superannuation funds is permitted only once you’ve met a designated condition of release. A formal written request for withdrawal must be sent to the superannuation trustee, and you may also need to provide documentation or proof that a condition of release has been fulfilled.

While multiple conditions of release exist, the three most common are detailed below. For circumstances not covered here, it’s recommended to consult your Adviser for personalised advice.

  • Reaching Age 65: At age 65 you are able to access your superannuation, even if you are still working (unless your employer fund has restrictions).
  • Retirement: The definition of retirement requires you to be over your preservation age and permanently retired (i.e. do not intend to work again for more than 10 hours in any week). Preservation age is gradually increasing as per below:
Date of Birth
Preservation Age
1 July 1960 – 30 June 1961
1 July 1961 – 30 June 1962
1 July 1962 – 30 June 1963
1 July 1963 – 30 June 1964
After 30 June 1964

If you stop working for your current employer after you reach age 60, you can access your superannuation even if you intend to work for another employer in the future.

  • Permanent Incapacity: You can access your superannuation if you become totally and permanently incapacitated. You will require verification from a doctor stating that you will be unlikely to work again.

Contributing to your Superannuation

Concessional Contributions

Concessional contributions are pre-tax contributions to superannuation and may include salary sacrifice, employer deductible contributions and personal deductible contributions. The contribution is tax deductible.
Learn more

Non-Concessional Contributions

A non-concessional contribution is generally a super contribution to a complying super fund which is not included in the super fund’s assessable income.Caps apply to non-concessional contributions.
Learn more

Learn more about superannuation investment strategies from our Sydney team

Contact Macarthur Wealth Management today and speak with us about superannuation investment strategies from our Sydney-based advisors.

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