Paul Woodward financial services - Sydney

😟 "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

https://youtu.be/EJadVrcSsh4

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.

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 ins...

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. 🙏

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.

Paul Woodward - Superannuation and Insurances - superannuation and insurances | LinkedIn ➤ 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...