Bringing your super and investments together
Why having your money in one place helps, what we check first, and how we follow every rollover through.
Many people reach retirement with super and investments spread across several funds. Where your advice recommends it, we bring them together in one place, on the platform recommended in your advice, and do the paperwork and the chasing for you.
Why one place helps
- One view: your super, pension and investments on one dashboard, with one set of statements.
- Your income, coordinated: pension payments, lump sums and one-off costs funded from the right part of your portfolio.
- Fewer pieces to manage: less chance of overlapping investments or a forgotten account.
- Simpler for everyone: your accountant, your solicitor, Centrelink, and your family if they ever need to step in.
- Quicker changes to your income or investments than across several providers.
What we check first
Using your third-party authorities, we get the full picture from each fund, including insurance cover and nominations. Then we weigh up the costs and what you'd give up, such as insurance cover, special features, exit fees, capital gains tax on investments outside super, and a short time out of the market. Your Statement of Advice sets out what you gain, what you give up and anything that stays where it is.
We do the chasing
Once you've signed, we lodge every form and follow each rollover up until the money arrives. You don't need to chase your fund. We tell you as each account opens. See After you sign: putting your advice in place.
Ongoing service and the Concierge
On ongoing service, everything we manage for you is brought together on the recommended platform, in our model portfolio. For the Concierge, bringing your super together is part of the work where your advice recommends it, along with any rollovers and starting a pension.
For anything about your own money, talk to your adviser.
Questions? Text us on 0489 274 766 or email admin@primeyears.com.au.