{"id":1144,"date":"2015-02-11T03:11:38","date_gmt":"2015-02-11T03:11:38","guid":{"rendered":"http:\/\/www.prosolution.com.au\/?p=1144"},"modified":"2018-03-08T17:17:23","modified_gmt":"2018-03-08T07:17:23","slug":"did-you-know-that-a-relatively-small-difference-in-fees-could-reduce-your-super-balance-by-70","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/did-you-know-that-a-relatively-small-difference-in-fees-could-reduce-your-super-balance-by-70\/","title":{"rendered":"Did you know that a relatively small difference in fees could reduce your super balance by 70%?"},"content":{"rendered":"<p style=\"text-align: right;\"><a title=\"Did you know that a relatively small difference in fees could reduce your super balance by 70%-video\" href=\"http:\/\/www.prosolution.com.au\/did-you-know-that-a-relatively-small-difference-in-fees-could-reduce-your-super-balance-by-70-video\/\" target=\"_blank\"><span style=\"text-decoration: underline;\">[Click here<\/span><\/a> to watch a 9-minute video that summarises this blog.]\n[<a href=\"http:\/\/www.prosolution.com.au\/wp-content\/uploads\/2015\/02\/PDF-Feb-2015.pdf\" target=\"_blank\">Click here<\/a> for a printable PDF]\n<p>I realise that most people pay very little attention to their superannuation. But please, can I ask for a few minutes of your time to communicate this simple message which will probably save you over well over $100,000. And let\u2019s not forget that 9.5% of your income is going into super, which is a lot of money, so it deserves a few minutes of your time.<\/p>\n<p>At the end of the blog we are going to make it really easy for you to take action because we are going to do all the work for you. We will look inside your super fund and tell you exactly what fees you are paying. This is even more important if you are young as fixing it now will make a huge difference. More details at the end of the article but first\u2026<\/p>\n<p><strong><em>The cost of ignorance<\/em><\/strong><\/p>\n<p>Three friends aged 35 all have $100,000 to invest in super. The three invest their money into 3 different super funds but are lucky enough to all benefit from the same gross investment return of 8% p.a. At age 65 they get together to compare their super balances. They didn\u2019t realise, like many people, how fees have such a big financial impact.<\/p>\n<ul>\n<li>David invested in a retail fund (like MLC, Colonial, etc.) and paid 2% p.a. in fees. His balance was <strong>$574,349<\/strong><\/li>\n<li>Mark invested in an industry super fund and paid 0.90% p.a. in fees. His super balance was <strong>$782,860<\/strong><\/li>\n<li>Sophie invested in a passive (index) investment option and paid fees of just 0.20% p.a. Her balance was <strong>$951,838. <\/strong><\/li>\n<\/ul>\n<p>The same investment amount, the same returns and <strong>Sophie has nearly 70% more in retirement savings <\/strong>than David! Half a percent here and there doesn\u2019t sound like much but fees definitely do add up (compound) and that\u2019s why you need to be super-focused on them.<\/p>\n<p><strong><em>You have three to five options <\/em><\/strong><\/p>\n<p>There might seem like a myriad of super fund options available but you can typically classify them into three to five options:<\/p>\n<ul>\n<li><strong>Retail funds<\/strong> \u2013 these are funds that are often sold by financial advisors. The fund providers are typically owned by the banks and are operated to make a profit. The largest retail fund providers are AMP, Colonial (CBA), BT (Westpac), MLC (nab) and OnePath (ANZ). On average, retail funds tend to charge fees in the range of 1.30% to 1.90% p.a. (or more) depending on your investments.<\/li>\n<li><strong>Industry funds<\/strong> \u2013 these funds are operated as not-for-profit entities and you may have seen them advised on the TV. The larger industry funds are AustralianSuper, UniSuper, REST, Sunsuper, HESTA, CBus, etc. Industry super funds typically charge fees in the range of 0.70% to 0.90% p.a.<\/li>\n<li><strong>Self-managed super funds<\/strong> \u2013 this is the fastest growing selector of the market \u2013 not really for any good reason in my opinion. Fees to run a SMSF can range from $1,000 to $5,000 p.a., depending on the complexity of the investments.<\/li>\n<li><strong>Employer funds<\/strong> \u2013 your employer may run its own fund \u2013 the largest being Telstra Super Scheme. Fees for these funds tend to be somewhere in the middle of what are charged by retail and industry super funds, depending on the fund\u2019s size. Most people can elect to not use the employer\u2019s super fund but there may be benefits from doing so (e.g. free insurance). Employer super funds typically charge fees in the range of 1.00% to 1.20% p.a.<\/li>\n<li><strong>Public sector funds<\/strong> \u2013 If you work for the government, you might be able to join a public fund such as Commonwealth Superannuation Scheme, Public Sector Superannuation Scheme, Qsuper, First State Super and so on. Fees charged by public sector funds typically charge fees in the range of 0.60% to 0.70% p.a.<\/li>\n<\/ul>\n<p><strong><em>And you can lower the cost even further<\/em><\/strong><\/p>\n<p>There are two types of investment methodologies, being <em>active<\/em> and <em>passive<\/em>. Active fund managers tend to charge fees at least four times higher than passive fund managers i.e. an active manager will tend to charge a fee of 0.80% or significantly more whereas passive funds can charge fees as low as 0.20% p.a.<\/p>\n<p>More importantly, historically, 96% of active fund managers fail to outperform (in terms of investment returns) passive fund managers in any 10 year period. Therefore, if you invest in an active fund manager and pay the higher fees for the privileged, you only have a 4% chance of making more money than a lower-cost passive (index) fund over the long term (i.e. &gt; 10 years). Active versus passive investing will be the subject of my blog next month, so I\u2019ll get into more detail then.<\/p>\n<p><strong><em>Case study: Matthew will save over $274,000 in fees<\/em><\/strong><\/p>\n<p>Matthew is 40 years old and his super is currently invested with a retail provider. He has a balance of $250,000 invested in a pre-mixed growth option. His super fund charges 1.66% p.a. in fees. Between now (age 40) and retirement (age 60), Matthew plans to make annual contributions of $15,000 into super.<\/p>\n<p>If Matthew stays with his existing retail super fund provider I estimate his super balance will be $1,145,644 and he would have paid $208,843 in fees by the time he is 60.<\/p>\n<p>However, if Matthew rolls his super into a low cost fund and invests his super in index funds (with investment fees of 0.20% p.a.) and assuming the same rate of return (of 7% p.a.**), his balance will be $1,421,872 and he would have only paid $28,928 in fees by the time he is 60.<\/p>\n<p>Therefore, based on these calculations, I estimate that Matthew will be <strong>$276,228 better off by age 60 <\/strong>simply by spending a small amount of time optimising his super.<\/p>\n<p>To give you an actual real life example, the most recent comparison I did for some financial planning client\u2019s, I calculated they would be <strong>better off by over $600,000 over 20 years<\/strong> simply through switching their super to to a lower fee environment. How could anyone question the value of quality financial advice with those findings?<\/p>\n<p><strong><em>You are not wrong to focus on fees<\/em><\/strong><\/p>\n<p>A small difference in fees adds up over time. Of course, fees are only one element. We need to look at returns too \u2013 and next month I will provide you with strong evidence that a passive (index) investment approach will almost always produce higher returns over the long run. But for now, the purpose of this blog is to get you focused on fees. Remember, it\u2019s your money you are paying out each year so if you are not convinced you will get value from the people investing your money (and I wouldn\u2019t be if you invest in active funds) then it stands to reason that you should pay as little in fees as possible.<\/p>\n<p><strong><em>You get what you tolerate<\/em><\/strong><\/p>\n<p>If you tolerate high superannuation fees, that\u2019s what you will get! If you are not going to tolerate high fees anymore, you need to take action. However, I must remind you that I have not given you any specific advice in this article because it would be irresponsible to do so. You need to get personal advice on what&#8217;s right for you because there are many things to consider including any existing insurance, benefits with existing fund (particularly if it\u2019s an employer fund), exit costs, other investments and so on. I don&#8217;t know every readers situation so the information in this blog is general in nature. Tread carefully and get advice before you take any action.<\/p>\n<p><strong><em>We can check what fees you are paying if you like? <\/em><\/strong><\/p>\n<p>As an existing client of ProSolution, we want to look after you so we are happy to check your Super Fund at no cost to you and we will tell you what it&#8217;s costing you. We&#8217;ll sort through all the fees and calculate how much extra in fees you might be paying (now and into the future like we did in the case study above). If possible, we&#8217;ll look at returns and give you some comparisons. And we will summarise this in a simple two-page report. <strong>If you would like us to do this, <a href=\"mailto:kdishon@prosolution.com.au?subject=Please%20check%20my%20super%20fees\" target=\"_blank\">simply email Kristy Dishon<\/a> today and she will get started with helping you make some smart superannuation decisions.<\/strong><\/p>\n<p>If it looks like we can save you money and you are interested, we can prepare more detailed advice as part of a new financial advice services we are launching \u2013 but before we get that far, allow us the opportunity to demonstrate value first. It costs you nothing to take a closer look.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>* The fee example used at the beginning of this blog has been adapted from Tony Robbins&#8217; book, Money Master the Game.<br \/>\n** A significant amount of historic research demonstrates that there is a 96% chance that long-term gross investment returns will be higher with a passive investment mythology, despite fees being dramatically lower. I&#8217;ll tell you above this research in next month&#8217;s blog.<br \/>\n*** Super fund &#8220;type&#8221; fee estimates obtained from research published by Chant West in May 2008<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>[Click here to watch a 9-minute video that summarises this blog.] [Click here for a printable PDF] I realise that most people pay very little attention to their superannuation. But&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[536,30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Did you know that a relatively small difference in fees could reduce your super balance by 70%? - Prosolution Private Clients<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Did you know that a relatively small difference in fees could reduce your super balance by 70%?\" \/>\n<meta property=\"og:description\" content=\"[Click here to watch a 9-minute video that summarises this blog.] [Click here for a printable PDF] I realise that most people pay very little attention to their superannuation. 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