Superannuation and Insurances

24/04/2026

😟 "Why has my super gone down?"

It's one of the most common questions I hear from clients right now — and it's completely understandable.

You've been working hard, your employer has been contributing every pay cycle, and then you log in and your balance has dropped.

Here's the thing most people don't know 👇

If you're in a balanced super fund — which most Australians are — your money is invested roughly 70% in growth assets (shares and property) and 30% in defensive assets (bonds and cash).

When share markets fall, your balance falls with them.

That's not a bug. That's how it works.

The real mistake most people make is panicking and switching to cash after markets have already dropped — locking in the loss and missing the recovery entirely.

💡 Did you know? $100,000 invested in a balanced super fund 20 years ago would now be worth over $434,000 — without a single extra contribution.

Super is a long game. And it pays to play it that way.

If you're worried about your super, or you're getting closer to retirement and want to make sure everything is on track — reach out. I'd love to help.

📖 I've written a full article on this — link in the comments below.

Paul Woodward
📍 Superannuation & Insurances
🌐 superannuationandinsurances.com.au
📞 Get in touch for a no-obligation chat

19/02/2026

Are you ready to feel more confident about your financial future?

In this episode from Superannuation and Insurances, Paul Woodward—bringing over 25 years of experience—breaks down superannuation, life insurance, trauma insurance and income protection in a clear, practical way. No jargon. No confusion. Just real conversations about protecting what matters most.

You’ll hear from special guest Louise from Peppermint IT, who shares her personal story of uncovering gaps in her cover and putting the right protection in place for her family—without the overwhelm. We’re also joined by Rob from Schreiber Who’s Elliot, adding further insight into why getting your financial foundations right makes such a difference.

Whether you're preparing for retirement, protecting your income, or simply wanting greater financial certainty, this episode makes complex topics easy to understand. We also explain how a complimentary financial health check can give you clarity and peace of mind.

In this episode we cover:

Superannuation fundamentals and smart strategies
Life insurance to protect your family
Trauma insurance for serious illness
Income protection to safeguard your lifestyle
Retirement planning tips for long-term confidence

If you want to build financial freedom and protect your future, this is a great place to start.

Subscribe for more practical advice on superannuation, insurance and financial planning—and reach out if you’d like your own complimentary financial review.

In this episode from Superannuation and Insurances, Paul Woodward—bringing over 25 years of experience—breaks down superannuation, life insurance, trauma ins...

02/10/2025

🚨 3 Retirement Mistakes That Could Cost You Thousands 🚨

08/09/2025

I’m humbled and deeply grateful to have received the Avalon Financial Services – Compliance Star of the Year Award 2024.

This recognition isn’t just about me—it reflects the trust my clients place in me, and the ongoing support I’ve had from colleagues, mentors, and peers throughout my career.

Compliance is often the quiet work behind the scenes, but it’s the backbone of trust in our profession. To be acknowledged for it is both encouraging and motivating.

A big thank you to Avalon Financial Services for this recognition, and to everyone who continues to walk this journey with me.

Here’s to continuing to serve with integrity, diligence, and care. 🙏

26/08/2025

💡 How Much Do You Need To Retire In Australia?

We hear this number thrown around all the time… but the truth is, the “magic number” is different for everyone.

For some, $500,000 (plus the Age Pension) may be enough. For others, lifestyle choices, travel goals, or healthcare costs mean they may need closer to $1,000,000.

I’ve just recorded a short video breaking it all down 👇

If you’re approaching retirement (or know someone who is), now is the time to take action — don’t leave it to chance.

02/07/2025

The most important super change this year is simple.

From July 1, the Super Guarantee (SG) rate is increasing from 11.5% to 12%.

This is the final step in a decade-long plan.

But the impact starts now.

→ Employers will need to pay more into employee super accounts.
→ Employees will see a bigger boost to their retirement savings.
→ Business owners need to factor this into payroll planning—especially if you employ staff or pay yourself super.

This is not just admin.

It affects real money, real contributions, and real outcomes down the track.

If you want help understanding what this means for your super or your team’s, send me a message.

It takes 10 minutes to check your numbers—and could save you a headache later.

👉 https://www.linkedin.com/in/paul-woodward-life-insurance-australia/

Let this be the year your super strategy grows with your income.

➤ Superannuation and Insurances Pty Ltd Name: Paul Woodward ✉ [email protected] ☎ 0418 431 079 The biggest risk to a business is that of losing a key person. Find out how to have the cash to buy out or replace a key person in your business. ➤ Superannuation and Insur...

02/06/2025

How to Get Free Money in Your Super – Most Aussies Miss This!

Are you earning under $60,400 a year? You could be missing out on up to $500 in free money from the government — just for contributing to your super!
In this quick video, we break down the Superannuation Co-Contribution Scheme — what it is, how it works, and why it’s one of the easiest ways to boost your retirement savings if you're on a low to middle income in Australia.
✅ How much you need to contribute
✅ Who qualifies
✅ What you could get from the government
✅ A real-life example that makes it simple
💡 Most Australians don’t even know this exists. Don’t leave free money on the table — watch now and take control of your super!
👉 Like, subscribe, and share with anyone earning under $60,400 a year!

19/03/2024

Investing in 💰 CASH: Bank Account vs Term Deposit vs Managed Fund

In today's video, we'll explore the significance of cash investments, including the Rule of 72 for estimating investment growth. We'll then delve into the reasons why cash is a crucial part of any investment strategy, emphasizing stability, liquidity, and opportunistic power. Next, we'll discuss the impact of inflation and tax on cash investments, highlighting the need for strategic planning to counteract their effects. Finally, we'll compare different cash investment options such as bank accounts, term deposits, and managed funds, providing insights into their benefits and considerations for maximizing returns. Stay tuned for expert tips to optimize your cash investment strategy and navigate the financial landscape with confidence.

21/12/2023

CRUCIAL! Income Protection in Superannuation - A Comprehensive Guide

Unlock the secrets of 'Income Protection in Superannuation' with financial adviser Paul Woodward. Follow along for a comprehensive guide to securing your financial well-being.

23/05/2023

Unlock the SECRET to EXPONENTIAL Wealth

Investing 101. This simple strategy gets a better return of 196.25%.

When it comes to investing, understanding the difference between compounding interest and simple interest can make a significant impact on your long-term returns. Simple interest is calculated only on the initial amount invested, while compounding interest takes into account both the initial investment and any accumulated interest.

The difference between the two approaches becomes more apparent over longer investment horizons. With compounding interest, your returns continue to grow exponentially over time, while simple interest provides a linear return rate.

To illustrate, let's say you invested $10,000 at a compounding interest rate of 8% for 30 years. At the end of the 30-year period, your investment would be worth $100,626. Simple interest would only yield $34,000 over the same period. This means you will have made $66,626 or 196.25% more with this simple strategy.