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Essential Things to Know: Super Strategies for Your 30s!

It is true that when we hit our 30s, our life takes a different direction. We often find ourselves in a more mature and responsible stage of our lives, which can bring about significant changes to help us achieve our goals and dreams better.

To begin with, our lifestyle choices tend to change in our 30s. We may find ourselves more focused on our careers, as well as on our financial security. We may also be more likely to make healthier choices, such as exercising and eating better. We may also be more aware of our social responsibilities and role in the community.

Our priorities shift during this time as we enter our 30s. We become more focused on personal growth and career advancement while making more time for friends and family. We realise that life is short and must take advantage of the opportunities presented.

In today's article, let's explore some great super strategies that can come in handy in your 30s. Here's what you need to know:


Superannuation, more commonly known as super, is an investment fund designed to provide you with an income in retirement. It was created to help Australians save for their retirement.

The Government encourages you to save for retirement by offering generous tax incentives. Any contributions you make to your super fund are taxed at a lower rate than other investments, and the money you withdraw in retirement is also taxed more favourably.

Review Your Fund

It’s essential to consider a few factors when reviewing your super fund. Firstly, it’s worth assessing the fees you’re currently paying. The fees can include administration fees, investment fees, and insurance fees. These fees can eat into your retirement savings, so it’s worth ensuring that you’re not paying too much.

It’s also essential to review the performance of your super fund. Have your investments been performing as well as you’d hoped? Are you getting the returns you expected? Investing in superannuation is all about maximising your returns, and it’s worth comparing how your fund is performing to other funds and seeing if there’s a better option out there.

Consider Consolidating Your Funds

Consolidating your funds means bringing all of your superannuation accounts together into one. This can help reduce your administration costs, as you only need to manage one account rather than several. It also makes it easy to keep track of your investments, as all your money is held in one place.

Another benefit of consolidating your funds is that it helps reduce the fees and charges associated with multiple funds. You may be paying higher fees when you have multiple accounts than if you had just one. By consolidating your funds, you can save money on fees, which can help improve the overall performance of your superannuation.

Consider Salary Sacrifice

As you enter your 30s, start thinking about your long-term financial goals and how to reach them best. One smart strategy is to consider salary sacrificing. Salary sacrifice is when you agree with your employer to forego part of your salary in exchange for certain benefits or investments.

Salary sacrificing can be a great way to save for retirement, pay for education, or even purchase a home. It can also help you reduce your taxable income, ultimately reducing the tax you owe. It’s important to understand that salary sacrificing should always be used with other financial strategies and should not be done without some.

The Bottom Line

Maximising your super is an important part of being financially secure for the future. There are various ways to do this, such as making regular contributions, investing in various assets, consolidating your super accounts, and taking advantage of government incentives.

By taking the time to understand and manage your super, you can ensure that your retirement funds are secure and that you have the financial security you need.

If you are ready to take the next step towards getting your life in order, look no further because we can help! We have the best financial advisors on Gold Coast. Swell Financial Planning offers various services depending on your specific goals. Contact us today for a better tomorrow.


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