Most people think of superannuation as a tax-favoured way of saving for your retirement. For employees, it is compulsory. For self-employed people, it is optional. For everybody, it is a great idea.

But superannuation is about more than retirement planning. It is actually a cornerstone of most people’s financial plan. This is because ‘super’ touches every other aspect of your financial planning. The way you manage your super impacts on how you manage your insurances, your other investments, your tax planning, your retirement planning, your marriage, your divorce, how and when you might help your adult kids out financially, your estate planning and even how you repay your own mortgage.

It is super by name and even more super by nature.

There are three types of super fund: retail funds, industry funds and self-managed superannuation funds. Different clients are suited to one or more of these types, and sometimes it makes sense to use more than one type in combination. We help you select the best type of fund for you. We then help you make best use of whichever option you take. This is important because super can and should be incorporated into your thinking about everything to do with your finances.

If you decide to manage your own super (a ‘self-managed super fund,’ or SMSF), we assist with all facets of establishing and maintaining this fund. This includes the facilitation, through our legal team, of all documents needed to start and then make best use of your fund.

Shi Yin Low

Superannuation Specialist

Yin is a financial planner and a solicitor. She holds a Masters degree in Banking and Financial Services Law from the University of Melbourne and a Bachelor of Law (Hons) from Cardiff University in Wales. In another role with Australia’s second largest non-aligned provider of financial advice, Yin oversaw the provision of literally thousands of statements of advice to clients big and small. The focus of her oversight: ensuring that all clients received advice that was truly in their best interests. Yin brings this experience and training to the provision of advice in superannuation and investment.

Away from work, Yin loves spending time with family and friends, enjoying Melbourne’s parks and beaches, travelling and cooking.

Shi Yin Low is an authorised representative (1241751) of Dover Financial Advisers Pty Ltd (AFSL 307248).

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