Conservative Anchor
3.8 – 5.2% / yr
- 70% Australian & global bonds
- 20% ASX blue-chip equities
- 10% cash & term deposits
For investors within 5 years of retirement.
Coop with Adam helps Australian residents decode industry & retail super funds, SMSFs, the Age Pension, and transition-to-retirement strategies. Independent guidance, transparent fees, real numbers.
A super fund is a pool of capital — built from your employer's compulsory Super Guarantee contributions and your own voluntary contributions — invested over decades to fund your retirement income. In Australia, you'll typically combine the Age Pension, your accumulation super, and possibly a Self-Managed Super Fund (SMSF).
The right mix depends on your timeline, risk tolerance, and the lifestyle you want at 65, 70, or beyond. We help you see the full picture, including tax-effective concessional and non-concessional contribution strategies.
Three risk profiles, infinite combinations. Each portfolio is mapped to your retirement horizon and the super environment.
3.8 – 5.2% / yr
For investors within 5 years of retirement.
5.5 – 7.8% / yr
For 10–20 year horizons seeking steady growth.
7.5 – 10.4% / yr
For 20+ year horizons with higher risk tolerance.
A regular, flexible income stream drawn from your super balance. The capital remains invested, and earnings are tax-free up to the transfer balance cap.
Guaranteed monthly income for life. Predictable and provides security — can be a useful complement to a flexible account-based pension.
Take a portion or all of your super as cash once you meet a condition of release. Tax-free if you're 60 or over. Ideal for clearing debt or specific large expenses.
Blend a guaranteed annuity floor with a flexible account-based pension — security for essentials, plus growth potential and access to capital.
30 minutes, no commitment. We map your current super setup and contribution history.
We analyse fees, asset allocation, insurance within super, tax exposure, and projected Centrelink outcomes.
You receive a written Statement of Advice with scenarios and recommended actions tailored to you.
Markets shift, legislation changes, life shifts. We rebalance with you every year.
Drop your question about super, SMSFs, the Age Pension, or contribution caps. We respond within one business day — no obligation.
"Adam restructured my industry super and saved me $1,200/yr in hidden fees and underperforming options."
— Margaret L., Sydney
"Finally someone who explains the Age Pension asset test and TTR strategies in plain English."
— Jean-Paul R., Melbourne
"The roadmap gave my wife and I confidence to transition to retirement two years earlier."
— David & Anne S., Brisbane