Let's talk about Superannuation Investment!

Comments

• dantz15 Sydney
  Posts: 387Member
  Joined: Apr 29, 2014

  November 2017

  @TasBurrfoot ah nice. thanks. Since start default lang yung sakin. How about yung insurance inside super, do you think it's better? Then just do a salary sacrifice to pay for those.

  261313 Software Engineer

  12 Sep 2014 - Completed Docs for ACS Assesment
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• TasBurrfoot Osaka
  Posts: 4,336Member
  Joined: Feb 24, 2011

  November 2017

  dantz15 said:

  @TasBurrfoot ah nice. thanks. Since start default lang yung sakin. How about yung insurance inside super, do you think it's better? Then just do a salary sacrifice to pay for those.

  you can do whatever you want actually as long as you have a grasp of what is your insurance needs based on your current lifestyle. i just had my stayed in default, malaki naman din kahit papaano...
  
  and yeah, I do salary sacrifice... need to catch up kasi i started late na sa superannuation game!

  Primary Applicant: Wife
  Accountant (General): 221111

  04 Aug 2012 - IELTS (Academic Module)
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  17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
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• koykoy Adelaide
  Posts: 110Member
  Joined: Sep 14, 2014

  December 2017

  Hi @TasBurrfoot! By default na ba may kasamang life insurance ang super? And would the life insurance with super be more adviseable than getting a separate one? Saka 10% ba ang minimum na pwedeng salary sacrifice? TIA ☺️

  07 April 2014 Vetassess submission
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• TasBurrfoot Osaka
  Posts: 4,336Member
  Joined: Feb 24, 2011

  December 2017

  koykoy said:

  Hi @TasBurrfoot! By default na ba may kasamang life insurance ang super? And would the life insurance with super be more adviseable than getting a separate one? Saka 10% ba ang minimum na pwedeng salary sacrifice? TIA ☺️

  yeah i think all major Superannuation provide a default insurance... and mas mura ata insurance within the super fund.
  
  nope, whatever amount you can afford is the minimum na pwede mo i-salary sacrifice for super...

  Primary Applicant: Wife
  Accountant (General): 221111

  04 Aug 2012 - IELTS (Academic Module)
  07 Aug 2012 - IELTS (Academic Module) Speaking Part
  17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
  24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
  25 Sep 2012 - Received +Skills Assessment from CPAA
  25 Sep 2012 - Lodged EOI Application with 70pts
  30 Sep 2012 - Invited by DIAC to apply for 189 Visa
  01 Oct 2012 - Submitted 189 Visa Application
  20 Oct 2012 - Medical Examinations
  23 Oct 2012 - CO Assigned; Team 7 - SA
  05 Nov 2012 - Submitted SG PCC and NBI Clearance
  06 Nov 2012 - Visa Granted (IED: 23/10/2013)
  03 Apr 2013 - Flight to MEL
  03 Jun 2013 - started work
  12 Jun 2013 - wife started work
  15 Jun 2016 - applied for citizenship
  29 Jul 2016 - citizenship examination
  20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
• TasBurrfoot Osaka
  Posts: 4,336Member
  Joined: Feb 24, 2011

  January 2018

  https://www.businessinsider.com.au/the-top-10-performing-australian-superannuation-growth-funds-of-2017-2018-1
  
  It pays to mind the performance of your fund...

  Primary Applicant: Wife
  Accountant (General): 221111

  04 Aug 2012 - IELTS (Academic Module)
  07 Aug 2012 - IELTS (Academic Module) Speaking Part
  17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
  24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
  25 Sep 2012 - Received +Skills Assessment from CPAA
  25 Sep 2012 - Lodged EOI Application with 70pts
  30 Sep 2012 - Invited by DIAC to apply for 189 Visa
  01 Oct 2012 - Submitted 189 Visa Application
  20 Oct 2012 - Medical Examinations
  23 Oct 2012 - CO Assigned; Team 7 - SA
  05 Nov 2012 - Submitted SG PCC and NBI Clearance
  06 Nov 2012 - Visa Granted (IED: 23/10/2013)
  03 Apr 2013 - Flight to MEL
  03 Jun 2013 - started work
  12 Jun 2013 - wife started work
  15 Jun 2016 - applied for citizenship
  29 Jul 2016 - citizenship examination
  20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
• TasBurrfoot Osaka
  Posts: 4,336Member
  Joined: Feb 24, 2011

  September 2018

  In light of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry; it really pays to know how your Super Fund has been doing the past few years...

  Primary Applicant: Wife
  Accountant (General): 221111

  04 Aug 2012 - IELTS (Academic Module)
  07 Aug 2012 - IELTS (Academic Module) Speaking Part
  17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
  24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
  25 Sep 2012 - Received +Skills Assessment from CPAA
  25 Sep 2012 - Lodged EOI Application with 70pts
  30 Sep 2012 - Invited by DIAC to apply for 189 Visa
  01 Oct 2012 - Submitted 189 Visa Application
  20 Oct 2012 - Medical Examinations
  23 Oct 2012 - CO Assigned; Team 7 - SA
  05 Nov 2012 - Submitted SG PCC and NBI Clearance
  06 Nov 2012 - Visa Granted (IED: 23/10/2013)
  03 Apr 2013 - Flight to MEL
  03 Jun 2013 - started work
  12 Jun 2013 - wife started work
  15 Jun 2016 - applied for citizenship
  29 Jul 2016 - citizenship examination
  20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
• batman Darwin Australia
  Posts: 3,520Member, Moderator
  Joined: Oct 04, 2011

  March 2019

  @TasBurrfoot ano super mo, yung company ko ANZ ang kinuha. Pero may option ang employees to nominate a different one. Host plus yung kinuha ko. Sa nabasa ko ok nmn review, though it was not a thorough research.

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• TasBurrfoot Osaka
  Posts: 4,336Member
  Joined: Feb 24, 2011

  March 2019

  batman said:

  @TasBurrfoot ano super mo, yung company ko ANZ ang kinuha. Pero may option ang employees to nominate a different one. Host plus yung kinuha ko. Sa nabasa ko ok nmn review, though it was not a thorough research.

  HostPlus is ok - Industry Fund kaya ayus!
  
  When I did research, Hostplus was a comfortable league leader in the balanced fund return the past 1, 3 & 7 years... Hahahah!!
  
  https://www.canstar.com.au/superannuation/top-performing-super-funds-rated-canstar/
  
  I am with AustralianSuper; three in the said league table. Heheheh!!

  Primary Applicant: Wife
  Accountant (General): 221111

  04 Aug 2012 - IELTS (Academic Module)
  07 Aug 2012 - IELTS (Academic Module) Speaking Part
  17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
  24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
  25 Sep 2012 - Received +Skills Assessment from CPAA
  25 Sep 2012 - Lodged EOI Application with 70pts
  30 Sep 2012 - Invited by DIAC to apply for 189 Visa
  01 Oct 2012 - Submitted 189 Visa Application
  20 Oct 2012 - Medical Examinations
  23 Oct 2012 - CO Assigned; Team 7 - SA
  05 Nov 2012 - Submitted SG PCC and NBI Clearance
  06 Nov 2012 - Visa Granted (IED: 23/10/2013)
  03 Apr 2013 - Flight to MEL
  03 Jun 2013 - started work
  12 Jun 2013 - wife started work
  15 Jun 2016 - applied for citizenship
  29 Jul 2016 - citizenship examination
  20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
• Enzeru08 Hoabart, Tasmania
  Posts: 61Member
  Joined: Oct 23, 2017

  March 2019

  Hi guys...magstart palng ako s work and pinapipili ako ng superannuation.... any suggestions po... and bago plang skin ung super kaya kpg ngbabasa basa ako prang naooverwhelm ako... malaking tulong po skin any suggestion..thanks
• dantz15 Sydney
  Posts: 387Member
  Joined: Apr 29, 2014

  March 2019

  @Enzeru08
  1. hostplus
  2. australiansuper

  261313 Software Engineer

  12 Sep 2014 - Completed Docs for ACS Assesment
  15 Sep 2014 - Submitted Docs to ACS
  22 Sep 2014 - AQF Diploma (deducted 5 yrs exp)
  07 Feb 2015 - IELTS IDP SG (L:8.0 R:8.0 W:6.5 S:6.5)
  23 Feb 2015 - Paid for Remarking
  28 Feb 2015 - IELTS IDP SG (L:9.0 R:8.5 W:6.5 S:7.0)
  16 Mar 2015 - Paid for Remarking again =(
  27 Mar 2015 - 1st Remarking result (unchanged)
  07 Apr 2015 - Booked another IELTS exam
  09 Apr 2015 - 2nd Remarking result (W:6.5 -> 7.0, S:7.0 -> 7.5)
  Finally!!
  15 Apr 2015 - EOI Submitted (189 - 60 points)
  13 May 2015 - Will Receive Invitation (BIL! BIL!) - Nothing happened here
  09 Jun 2015 - Modified EOI to include 190-NSW (65pts)
  18 Jun 2015 - ITA for NSW Nomination
  19 Jun 2015 - Paid NSW Nomination App Fee
  22 Jun 2015 - ITA for Visa, NSW Nomination Approved
  26 Jun 2015 - LODGED
  26 Jun 2015 - CTC and Uploaded all Docs
  28 Jun 2015 - Upload photos
  29 Jun 2015 - Applied SG COC
  01 Jul 2015 - Medical done, son's medical uploaded
  03 Jul 2015 - Claim SG COC, CTC and Upload remaining Docs
  03 Jul 2015 - Wife Medical Uploaded
  04 Jul 2015 - My Medical Uploaded
  19 Aug 2015 - Direct Grant!!! Basta Ikaw Lord! (IED: 03 Jul 2016)
  20 Aug 2015 - Job hunting begins
  30 Aug 2015 - Initial Entry (alone)
  21 Oct 2015 - First day! BIL!
• juliatheambitiousoul Posts: 52Member
  Joined: Mar 14, 2019

  March 2019

  @Enzeru08 check this link https://www.canstar.com.au/superannuation/ to compare funds, fees etc.
  
  We chose Australian Super too because as to performance, it is always in the top 5, good reviews so far and cheaper fees compared to Hostplus. We opted out for the insurance to avoid additional fees and hopefully it is a right decision.
• just.anotherguy Singapore
  Posts: 215Member
  Joined: Feb 01, 2018

  July 2019

  Any thoughts about AMP? Yun po kasi ang preferred super nung employer ko.. Um-oo na lang muna ako, kasi pwede naman daw lumipat ng iba kung gusto (hindi ko din pa alam kung paano hehe)

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• agentKams Toowoomba
  Posts: 861Member
  Joined: Apr 25, 2014

  July 2019

  @just.anotherguy said:

  Any thoughts about AMP? Yun po kasi ang preferred super nung employer ko.. Um-oo na lang muna ako, kasi pwede naman daw lumipat ng iba kung gusto (hindi ko din pa alam kung paano hehe)

  regarding sa paglipat, all can be done online. you can sign up on any super you want online and transfer from one to another na parang bank transfer iyong process.

  Timeline: Student Visa Subclass 573 (Masters)
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  April 2018: Uni Graduation

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  9 Jan 2019 - 2nd CO Contact - penal waiver
  18 Jan 2019 - Updated immiaccount with penal waiver
  29 Jan 2019 - Forwarded PCC to gsm.allocated email
  8 Feb 2019 - Visa Grant - Finally!!

  Timeline: Citizenship
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  May 2021: Citizenship Exam
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