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Understanding superannuation when you’re self-employed

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Example disclaimer

Alex is a fictional persona based on some typical attributes of a self-employed individual. Please make sure that GigSuper is right for your circumstances, even if your situation is identical or similar to Alex.

Figures are shown in today’s dollars, however they are not intended to be reflective of any particular investment option within GigSuper. These results are for illustrative purposes only and do not represent actual or expected returns that any particular investor might experience.

The projections are based on a number of assumptions, including but not limited to the following:

  • For both the super and non-super investment products an annual return of:
    • 2.37% capital gain
    • 4.88% income
    • 0.56% franking.
  • Tax rates on income and capital gains both inside and outside super remaining constant which may not occur.
  • A steady inflation rate of 2.5% which may not occur.

The prospective financial information provided is not a reliable indicator of future performance in that it is predictive in nature and may be affected by inaccurate assumptions, unknown risks and other uncertainties. Therefore, the prospective financial information may differ materially from the results ultimately achieved.

The above comparison in no way constitutes advice to invest in any particular investment product and we recommend you seek independent financial advice before deciding whether investing in super or non-super products is right for you.

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GigSuper is promoted and distributed by GigSuper Pty Ltd (ACN 620 862 053), a corporate Authorised Representative (number 1276569) of APP Financial Advisers Pty Ltd (ACN 132 958 591), the holder of Australian Financial Services Licence number 412302. Any financial product advice provided in this website is general in nature. Content on this website does not take into account the objectives, financial situation or needs of any person, or purport to be comprehensive or constitute investment advice and should not be relied upon as such. You should consult a professional adviser to help you form your own opinion of the information and on whether the information is suitable for your individual objectives and needs as an investor. Where necessary, you should obtain a Product Disclosure Statement relating to the product and consider it before making any decision about whether to acquire the product.

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