CAREER BREAK: WHAT DO YOU NEED TO CONSIDER?

1 CASH FLOW MANAGEMENT: Every little saving can make a huge di erence long term. For example, even something as simple as forgoing that second cup of daily co ee can equate to big gains. According to the ASFA calculator, a saving of just $3.80 per day with a 5% growth over 37 years could add over $144,000 to your super^. 2

SIMPLIFY YOUR SUPER:

Look to gather all your super into a single fund if you haven’t already. Speak to a financial adviser to check how switching might a ect your insurance, benefits and any exit fees in your current fund. 3 CHOOSE YOUR INVESTMENTS: Having time on your side gives you the ability to ride out any market volatility over the long term. Making informed choices around this is important. Talking to a financial adviser can help navigate the options that might best suit your circumstances.