Government Superannuation Schemes
Government Superannuation Schemes

Government Superannuation Schemes can be very complex.

Tap into our expert advice and feel secure knowing your retirement nest egg is on track.
State and Federal Government Superannuation Schemes  are structured differently and can be impacted by a number of different factors.

If you are a member of a Government Superannuation Scheme and would like to learn more about your scheme and whether you are maximising your entitlement, contact Lachlan Ashelford on (02) 4969 6600 for an obligation free catch up.

Primary Government Superannuation Schemes

NSW State Government Superannuation Funds
  • State Authorities Superannuation Scheme (SASS) – NSW Government Defined Benefit fund
  • State Superannuation Scheme (SSS) – NSW Government Defined Benefit fund
  • Police Superannuation Scheme (PSS) – NSW Government Defined Benefit fund
  • First State Super (FSS) – NSW Government Accumulation fund
Federal Government Superannuation Funds
  • Defence Force Retirement and Death Benefits Scheme (DFRDB) – Federal Government Defined Benefit fund
  • Military Superannuation and Benefits Scheme (MSBS) – Federal Government Defined Benefit fund
  • Commonwealth Superannuation Scheme (CSS) – Federal Government Defined Benefit fund
  • Public Sector Superannuation Scheme (PSS) – Federal Government Defined Benefit fund
  • Public Sector Superannuation Accumulation Plan (PSSAP) – Federal Government Accumulation fund

 

Government Superannuation Financial Advice

At Lambourne Partners we can help you to:

  • Understand the particular fund you are in and its many features.
  • Consider an appropriate age to retire whilst factoring in how you can maximise your superannuation entitlements between now and retirement.
  • Contemplate your options at retirement in terms of how to generate an income in retirement, do I have enough capital to retire and what is the best structure for my superannuation and assets in retirement.

 

What if retirement isn’t going to occur in the short term.   What are the important factors to consider in relation to my super:
  • Am I contributing enough to super to maximise my benefit?
  • What are the key features that impact the end value of my super?
  • Am I invested in the appropriate investment options within my super?
  • How does my salary impact my superannuation entitlements?
  • Is there anything I could be doing differently or better to improve my situation?

 

If retirement is a viable proposition in the short term the important issues to consider:
  • What is the best structure for your assets and superannuation in retirement?
  • When is the ideal time to retire to maximise your super and be the most tax effective?
  • Do I have access to a defined benefit pension via my superannuation fund?
  • How will I generate an income in retirement after I’m no longer getting paid from my employer?
  • What is my risk appetite as I move into retirement and how do I invest appropriately in relation to this?

We can also help you grow your investments, establish life insurance, manage any debt you may have and assist with your estate planning needs.

Government Superannuation Schemes

If you would like to explore these and other issues further give Lachlan Ashelford a call on (02) 4969 6600 to book in for a complimentary chat.

Contact Us

Please feel free to reach out to us at any time. Call or use the convenient email link below to submit your questions or book a complimentary assessment.
NEWCASTLE

Level 1, 56 Hudson Street
Hamilton NSW 2303
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Office (02) 4969 6600
Fax (02) 4969 6655
info@lambourne.com.au

SYDNEY

Level 25, Aurora Place
88 Phillip Street, SYDNEY NSW 2000
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Office (02) 8313 7071
Fax (02) 4969 6655
info@lambourne.com.au

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