Todd PolkeInvestment Strategist l Wealth Coach l Speaker, Todd Polke · Investment Strategist l Helping Investors and Business Owners grow their Wealth Faster

Want to increase the performance of your super? #growyourwealth #australia #motivation #money

14 Apr 2025 · 1 min

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In this short advisory segment, the speaker highlights how Australian government policy and superannuation fund regulations have progressively raised the barriers for individuals using self‑managed super funds (SMSFs). He notes that SMSFs now require larger balances, involve more compliance steps, and incur higher costs, making them harder to set up and maintain. The speaker frames superannuation as a matter of personal control over one’s financial future, urging viewers to assess whether they have sufficient control and whether they can realistically beat the historical 5.9% annual return delivered by the government‑run super fund. He recommends comparing the past ten‑year performance of one’s own super against other asset classes to determine if taking full control is worthwhile.

Chapters

One thing I've noticed is that there has been a constant changing of goalposts by the Australian government, by the superannuation funds when it comes to superannuation. And so I've noticed that for people who ever set up self-managed super funds, it's become harder. People need a lot more money in there. They've got to jump through a lot more hoops. It potentially costs more to get involved in it. And there's a lot more compliance and things associated with setting up a self-managed super fund. And so when I think about superannuation, I think about control. And you've got to ask yourself the question, do you have the level of control that you need over your financial life? Can you outperform a 5.9% per annum growth rate that the government super did actually perform, for example? What you need to be looking at is going comparing your superannuation performance over the last 10 years with what other asset classes have gone and done. I think when you're taking control of your financial life, you look to take control of every single arena.