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We’ve been helping members secure their financial futures since 1931, combining long-term performance and real connection and expert advice.
Equip Super can proactively support you to make the most of your super. Equipping you to make the right decisions at the right time, so you can feel confident for what’s ahead.
Equipping you for tomorrow
Whether you’re just starting out, married with kids, or thinking about retirement, a qualified financial planner can help you manage your commitments and grow your long-term wealth.
Find out about our planning process and how it can help you reach your financial goals. An initial appointment is available to members at no additional charge.
Our calculators can help you plan for tomorrow. Find out how extra contributions can help you get ahead, what your future super balance may look like, and what that means in retirement income.
You can also see how different investment options can impact your long-term super balance.
See the difference advice can make to your super balance at various life stages.
Discover how Harry reached retirement with $280,000 more in his super than George, despite being the same age, starting with the same balance and earning the same salary.
Equipping you for tomorrow
Criteria | George | Harry |
Age | 25 | 25 |
Gender | Male | Male |
Salary | $75,000 p.a. | $75,000 p.a. |
SG contribution | 12% | 12% |
Salary Sacrifice | Nil | $50 per week |
One-off contribution | Nil | $100,000 at age 55 |
Career break | Nil | Age 35-37, goes back to full time from age 38. |
Starting balance | $30,000 | $30,000 |
Retirement age | 67 | 67 |
Investment option | Equip MySuper (5.8% p.a. return) | Growth Plus (6.5% p.a. return) |
Investment fee | 0.6% | 0.6% |
Percentage based administration fees | 0.22% | 0.22% (from 1 July 2023) |
Dollar based administration fees | $52 p.a. | $52 p.a. |
Inflation - price inflation Inflation - improvement in living standard Inflation - overall | 2.5% 1.5%
4.0% | 2.5% 1.5%
4.0% |
Balance at retirement (age 67) | $404,450 | $684,572 |
Balances at age (in today’s dollars) | Age 25 = $30,000 Age 35 = $109,445 Age 45 = $194,646 Age 55 = $286,021 Age 67 = $404,450 | Age 25 = $30,000 Age 35 = $137,559 Age 45 = $238,965 Age 55 = $377,101 Age 67 = $684,572 |
Criteria | George | Harry |
Age | 67 | 67 |
Gender | Male | Male |
Retirement income | ASFA Retirement Standard comfortable income of $50,004 p.a. | ASFA Retirement Standard comfortable income of $50,004 p.a. |
Age Pension included | Yes | Yes |
Starting balance (in today’s dollars) | $400,000 | $680,000 |
Investment option (and assumed long-term return) | MyPension
| MyPension
|
Investment fee | Growth 0.51%, Capital Stable 0.36%, Cash 0.04% | Growth 0.51%, Capital Stable 0.36%, Cash 0.04% |
Percentage based fees | 0.20% | 0.20% |
Dollar based fees | $101.40 p.a. | $101.40 p.a. |
Inflation | 2.5% | 2.5% |
Age Pension eligibility – aligned with RIS | Single Homeowner $10,000 Cash $20,000 Assets | Single Homeowner $10,000 Cash $20,000 Assets |
Age at which balance runs out | 87.21 | 97.63 |
Balances at age | 70 = $336,000 75 = $291,000 80 = $211,000 85 = $98,000 90 = $0 | 70 = $620,000 75 = $575,000 80 = $486,000 85 = $397,000 90 = $296,000 |
Issued by Togethr Trustees Pty Ltd ABN 64 006 964 049, AFSL 246383 ("Togethr"), the trustee of Equipsuper ABN 33 813 823 017 ("the Fund").
The information contained is general advice and information only and does not take into account your personal financial situation or needs. You should consider whether this information is appropriate to your personal circumstances before acting on it and, if necessary, you should seek professional financial advice. Where tax information is included, you should consider obtaining taxation advice.
Before making a decision to invest in the Fund, you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the product which are available at equipsuper.com.au
Financial advice may be provided to members by Togethr Financial Planning Pty Ltd (ABN 84 124 491 078 AFSL 455010) – a related entity of Togethr.
