With so many super funds available, it’s easy to feel overwhelmed. That’s where Stockspot Super steps in, offering a solution designed to simplify the process. Stockspot Super prioritises transparency and efficiency, giving you confidence that your money is not only safe but working to grow over time.
Stockspot Super takes a fresh approach to managing your superannuation. It’s different from traditional pooled funds and ensures your investments are managed continuously, in line with your personal financial goals. If you’re looking for a straightforward way to manage your super, let’s explore why Stockspot Super might be the right fit for you.
Tailored to your age
A key advantage of Stockspot Super is how it tailors investment strategies based on your age. Younger investors have more time to grow their super, so their portfolios are typically more growth-focused. As you get closer to retirement, Stockspot recommends shifts to your portfolio towards more conservative investments to protect the wealth you’ve built.
This age-based approach helps ensure that your super is always aligned with your financial goals, evolving with you as your circumstances change. Stockspot reviews your portfolio annually to make sure it’s still working for you, making any necessary adjustments along the way.
Why ETFs make sense
Stockspot Super invests exclusively in Exchange Traded Funds (ETFs), which are popular for several reasons. They’re cost-effective, transparent, and offer built-in diversification. ETFs provide access to a broad range of assets, including Australian shares, international bonds, property, and commodities. This diversification helps spread risk and ensures your portfolio balances both growth and stability.
By using ETFs, Stockspot allows you to invest across a wide range of industries and markets, reducing the risks that come with concentrating your money in just one area. Rather than relying on a single company or sector, your super is invested globally, which helps smooth returns over the long term.
ETFs also keep management fees much lower compared to actively managed super funds who are paying fund managers to select shares and time the market.
Rebalancing and risk management
Superannuation management isn’t something you can set and forget. As markets shift, your portfolio needs ongoing attention. Stockspot Super offers continuous management and rebalancing to keep your investments aligned with your age.
As different assets in your portfolio perform over time, the balance may shift. Stockspot’s team regularly rebalances your portfolio to ensure it remains in line with your target allocation. This helps keep your super working as efficiently as possible without you needing to monitor it constantly.
Flexibility and customisation
Every investor is unique, and Stockspot recognises that. Once your portfolio reaches $50,000 or more, you can further personalise your super by adding Stockspot Themes. These themes allow you to gain exposure to different sectors or investment trends that reflect your interests, while still aligning with the core investment strategy.
This flexibility allows you to shape your portfolio in a way that suits your personal preferences, without compromising your long-term goals or increasing your risk level unnecessarily.
Transparency and tax efficiency
Transparency is at the heart of Stockspot’s service. Through the Stockspot Portal, you can track your portfolio’s performance in real-time. You’ll have access to daily updates on your investments so you’re always in the loop about how your super is performing.
Most traditional super funds only offer annual updates, but with Stockspot, you’re always informed about the underlying investments you own. This transparency gives you confidence in managing your retirement savings. There are no unlisted assets with infrequent valuations, ensuring you don’t overpay when your contributions are invested. Stockspot’s recommended ETFs adjust to their fair market value daily.
One of the standout features of Stockspot Super is the potential tax efficiency it offers. Your super is managed separately from other members, giving you more control over your tax outcomes. Unlike traditional pooled super funds, where tax liabilities are shared, Stockspot’s discrete account structure means your tax obligations are linked directly to your individual account.
This gives you greater transparency and control over where your money is going. You can see exactly how your super is invested, with no hidden fees or surprises.
Why consider Stockspot Super?
Stockspot Super offers a smarter, more transparent way to grow your retirement savings. With low-cost ETFs, personalised strategies tailored to your age, and a discrete account structure, Stockspot ensures your super is managed efficiently and effectively.
Whether you’re early in your career or approaching retirement, Stockspot Super adapts to your needs, providing a clear path to long-term financial security. If you’re ready to take control of your superannuation, Stockspot Super can help you make the most of your hard-earned money.
When will Stockspot Super be available?
We are looking to launch Stockspot Super in late 2024. Join the waitlist to get early access. When we launch to the public, a PDS will be made available on the Stockspot website and you should read this as well as other relevant disclosure documents before making any decision to open an account.
