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Case study · Cash into super
At 60, he will draw $200K a year from super. Tax free.
A senior tech executive on $400K plus. Low mortgage, RSUs vesting and serious cash flow. All the ingredients, but no structure.
Names and details changed for privacy. General information only.
Age 49
Senior tech executive
$400K+
Income a year, plus RSUs
$8.5K/mth
Into super, with his partner
$200K/yr
Tax free from 60
Watch the story
I walk you through this plan, in 84 seconds.
General information only. Results depend on your circumstances.
Their road map
From where they were, to where they wanted to be.
Case study · Cash into super
The senior tech executive and his partner
When we first met, he could not tell me when he wanted to retire.
Step 1 · Now
Where they started
| Income | $400K+ |
| RSUs | Vesting |
| Mortgage | Low |
| Cash flow | Serious surplus |
| Super | $800K combined |
| Super strategy | None yet |
| Retirement date | Not sure |
What we found
- All the ingredients, but no structure
- Surplus cash and RSU proceeds with no clear home
- No retirement date and no income plan
Step 2 · Where
Where they wanted to be
Their goals
- Retire at 60
- A tax free income for life
- Same income, a better outcome
The goal
$200K / year
Tax free from super, from age 60.
Step 3 · How
What we did, and who did it
- $8,500 a month into super, combined with his partner
Us - $3,500 a month pre tax, through employer contributions
UsEmployer - $5,000 a month after tax, funded from surplus savings and RSU proceeds
Us - RSU proceeds redirected into super, instead of sitting in company stock
Us - Investment mix modelled at a 9% net return
Us - $4M at a 5% income return: $200K a year, tax free from 60
Us
One combined strategy. Everything in one place.
Names and details changed for privacy. Results depend on your circumstances.
The result
$4M
$800K grew to $4M in 11 years, with $8,500 a month going in.
- A clear retirement date: 60
- $200K a year, tax free, from super
- $800K grown to $4M in 11 years
- Their combined super grew from $800K to $4M in 11 years.
Same income. Completely different outcome.
Sound like you?
$800K combined grown to $4M in 11 years
If this sounds like you, let’s talk. 15 minutes, no cost, no obligation.
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