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Master Trusts give you access to numerous wholesale investment options provided by a range of excellent performing fund managers.

It also gives you access to a range of selected Australian shares and listed property trusts.

Master Trusts give you one facility for all your investments but allows you to spread your investment risk. What this means is that you have the ability to spread your investments across many fund managers to minimise investment risk.

For superannuation it saves you having to ‘do-it-yourself’ so you don't have to worry about record keeping, trust deeds, compliance, audits, ISC levies, Government changes and so on.

It has easy, low cost manager switching with no or minimal buy/sell spreads, and no switching fees.

It also offers easy no-loss transfer from superannuation to an Allocated Pension when you retire.

Superannuation

Superannuation is a very complex area. Issues like legislation, taxation, law and investment performance can lead you to believe that superannuation is all too hard.

Dismissing super as 'too hard' may be a disadvantage in the long term. Super can be an extremely effective way to plan for your future, as the concessions provided to superannuation investments can be considerable when compared to other investments. When compounded over many years, these can make a big difference to your retirement lifestyle.

While superannuation is just one type of investment among a range of alternatives, it is very attractive as there are tax benefits while you are contributing and when you retire. Superannuation has an attractive 15% tax rate, provided the scheme of which you are a member meets certain requirements. This is below the personal rate of taxation for most people, making it an ideal investment vehicle for some people.

To ensure investing in superannuation is the ideal strategy for you, you must consider your financial needs for the short, medium and long term and discuss them with your Cameron Walshe financial planner to find out when you should start to make additional contributions to your superannuation.