Super Preferences Questionnaire

What we're covering today:

Based on your goal(s) to retire, this questionnaire addresses the product features and changes that will be needed to achieve your goal(s).

This includes:

Contributions to super
How your super is invested
Insurance and super
Rollover from existing super
Paying for advice around super

Let's begin!

Average completion time: 11 minutes.

Name* This field is required.Before we start, we need to get your full name for our records.

First Name

Last Name

Email* This field is required.Please use the same email you provided to us.

example@example.com

Are you currently making extra contributions to super?* This field is required.Extra contributions are defined as any contribution above your normal employer Super Guarantee.

Yes I am currently contributing

No I am not and not prepared to

No, but I would like to consider

I don't know

If YES to making extra contributions, how much per week would you be willing to make?* This field is required.Per person. You can change this later.

$1-50 per week

$51-100 per week

$101-250 per week

$251+ per week

I do not want to contribute extra

Other

Are you prepared to put all your money in one investment option?* This field is required.Equivalent to "Putting all your eggs all in one basket". Typically a super fund has multiple investment managers to choose from. To reduce investment manager risk, you need more than one managed option.

Yes - All in one investment option

No - I would like multiple fund managers and reduce my manager risk

I don't know

(For Retirees) Do you want your investment growth and income separated?* This field is required.To keep you confident in your strategy throughout retirement, you can separate the income from the growth generated by your portfolio... The income is what you get to live on and the growth overcomes the impact of inflation. Most funds put growth and income together within the 'unit price' of the fund.

Income and Growth separated

Income and Growth together in unit price

Does not apply (not yet retiree)

(For Accumulators) Do you want your investment growth and income separated?* This field is required.To keep you confident in your strategy throughout accumulation, you can separate the income from the growth generated by your portfolio... The income will attract tax and the growth will not. Therefore we can reduce the overall tax paid in your super by attaining higher growth than income in the portfolio.

Income and Growth separated

Income and Growth together in unit price

Does not apply (I am a retiree)

Wholesale managed funds vs other funds. Which do you prefer?* This field is required.A wholesale fund generally can only be accessed with large amounts of money, unless you go through a platform that combines money to access the funds. Otherwise, you have to go through a retail or industry fund who access individual investments or wholesale funds. Through the platform, the wholesale funds give us direct performance and the ability to build and manage portfolios, and spread the manager risk.

Prefer wholesale funds

Prefer other funds (eg. retail / industry)

I don't know

Are any of the following features in a super fund important to you?* This field is required.Apart from our options, please tick any other features that are important to you. You can select multiple items.

Binding nominations (estate planning)

Data feeds into analysis software

Pay for superannuation advice through super

Transition to retirement product option

Reversionary pension

Rebalance feature

Family fee aggregation

Access to a wide range of managed wholesale Investment funds

Other

Are you prepared to change super funds to meet your goals?* This field is required.In order to achieve your goal(s) would you like to engage RightTrac to help manage, track and make changes to your super, including switching super funds if necessary.

Yes I am

No I am not

Are you prepared to pay a higher ongoing fee to obtain the super features you want with the guidance of an advisor?* This field is required.To obtain features such as individual tax assessment, separating growth and income, accessing wholesale funds, using multiple fund managers, using a platform to track performance and contributions - all of these require fees. The admin fee can between 0.2 and 0.6%. Portfolio fee can be between 0.9 and 1.3%.

Yes I am prepared to pay for features

No I am not prepared to pay for features

Select how to pay (our) advice fees and still maximise your benefits.* This field is required.This question is to help you understand the different ways you can pay for advice to reduce the cost of advice. Paying through super provides tax benefits and reduces the cost to you for advice.

Pay through super via salary sacrifice (up to 45% tax benefit and no GST)

Pay through super, without extra contributions (15% tax benefit and no GST)

Pay external to super (no tax benefits)

To keep our efficiency, we focus on a select system, products, processes and team to provide quality service and advice. Do you agree with this approach?* This field is required.We do this to manage costs and provide a consistent quality of service and advice. Plus, we have to know our products and strategies well, which means they can not be unlimited in scope. By choosing us as your advisors you agree with our approach.

I agree with this

I do not agree with this

I do not wish to proceed

Last question... Are you prepared to potentially lose the following features?* This field is required.Super companies add things to their products as marketing to help encourage you to stay with their fund. But these 'product features' have nothing to do with your super and retirement goals.

Credit card deals

Health / travel insurance offers

Movie ticket discounts

Interest rate discounts on certain loans

Yes to ALL (happy to lose)

Discussion NotesPlease feel free to enter any thoughts or questions that you have on the questions in this questionnaire.