Super and your retirement
Your super is probably the single most important part of your retirement income.
When you reach your preservation age and you can access your super, you can either take it as a lump sum or keep the money in super and receive regular payments in the form of a pension. The Government offers several tax incentives for you to keep your money within the super environment as a way of encouraging people to make their money last. We suggest you consult your financial adviser or accountant to discuss these incentives further.
Whether you take your money out of super or keep it in, the big decision you have to make is how to invest your money to ensure a regular income for the rest of your life. If you are starting to think about your retirement income strategy it is essential that you understand some of the fundamentals of investing.
This section includes helpful and general information on some of the fundamentals of investing.
Any information contained in this publication is current as at February 2011 and is provided by Challenger Life Company Limited ABN 44 072 486 938 AFSL 234670, the issuer of all Challenger annuities, Challenger Retirement Services Pty Ltd ABN 80 115 534 453 AFSL 295642, the issuer of Challenger's superannuation and allocated pensions or Challenger Managed Investments Limited ABN 94 002 835 592 AFSL 234668, the issuer of units in the Challenger Guaranteed Income Fund ARSN 139 607 122. It should be regarded as general information only rather than advice. It has been prepared without taking account of any person's objectives, financial situation or needs. Because of that each person should, before acting on any such information, consider its appropriateness, having regard to their objectives, financial situation and needs. Each person should obtain a Product Disclosure Statement (PDS) relating to the product and consider that Statement before making any decision about the product. A copy of the relevant PDS can be obtained from your financial adviser, our Investor Services team on 13 35 66, or on our website.
If you acquire or hold the product, we and/or the Challenger group of companies will receive fees and other benefits which are generally disclosed in the PDS or other disclosure document for the product. We and/or the Challenger group of companies and our respective employees do not receive any specific remuneration for any advice provided to you. However, financial advisers (including some Challenger group companies) may receive fees or commissions if they provide advice to you or arrange for you to invest in the product. Challenger Life Company Limited, Challenger Managed Investments Limited, Challenger Retirement Services Pty Ltd, some or all of Challenger group companies and directors of those companies may benefit from fees, commissions and other benefits received by another group company.
