Self-Managed Super Funds


Self-managed super fundsWhat is YOUR superannuation position?  Do you know where all YOUR superannuation is?

How much do you need to retire?  Do you have a plan to achieve this?

Would a self-managed super fund (SMSF) suit you?   Talk to an Advisor

YOUR Wealth Advisor will assist you to develop and achieve YOUR retirement plan. We will explain the benefits of a self-managed super fund and how they work, without all the industry jargon.

If a self-managed super fund is right for you, YOUR Wealth Advisor will set it up and take away the worry of compliance with YOUR Self-Managed Super Fund Management Program.

What is a SMSF?SMSF CostsDo I Qualify for an SMSF?SMSF BenefitsSMSF Compliance
What is a Self-Managed Super Fund (SMSF)?

In its simplest terms, a SMSF is a trust that must follow strict procedures in order to gain significant tax savings.

These tax savings are one of the main reasons why SMSFs are the largest and fastest growing super segments in Australia.*

An SMSF allows you, as a trustee and member, to have responsibility over the management, investment and administration of your super fund.

Self-managed super funds are different from other super funds because you are in control of the investment strategies.

Request more information about a SMSF now! 


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How Much Will a SMSF Cost?

It can be quite difficult to find a service offering self-managed super fund establishment, administration, advice and compliance in one package.

YOUR Wealth Advisor offers all of this at a fair price, giving you peace of mind and a growing portfolio. See the table below to review some our SMSF services.

If you’re interested in our SMSF Package or simply one of our services below, request a SMSF quote now! 

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SMSF cost

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Do I Qualify for a SMSF?

Nearly anyone over 18 qualifies for a SMSF. If you are an employee of another member and you are not related you cannot join an SMSF.

In addition, if the Australian Taxation Office (ATO) views you as a “disqualified person” you may not join a SMSF. A “disqualified person” is someone who:

  • Is undischarged from bankruptcy.
  • Has been convicted for dishonest conduct, such as fraud by the Commonwealth, State, Territory or foreign government.
  • Is disqualified by the ATO or the Australia Prudential Regulation Authority as acting as trustee of a superannuation fund.

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Why should I have a SMSF?

An SMSF enables you to:

  1. Take control of YOUR investments – Unlike standard superannuation funds, you establish YOUR investment strategy and have complete control.
  2. Access more investment choices – Your super can be invested in shares, property, art or stamps with a SMSF. You have much more access to various investment choices compared to other super funds.
  3. Minimise YOUR taxes – Tax savings Investments from a SMSF are taxed at a maximum of 15% and 0% when the assets are used to pay a pension.
  4. Protect YOUR family – By setting up a SMSF for your family, you can consolidate super balances and invest in higher valued assets and other investments you feel comfortable with. Common SMSF examples include siblings and couples because the trust remains in the family.
  5. Obtain greater estate planning – A SMSF gives you more flexibility because it allows you to complete a binding death benefit nomination without having to meet some of the constraints other super funds require.

*APRA Quarterly Superannuation Performance, December 2012.

Click on each benefit of a SMSF below to learn more and enter YOUR details below to get started! 

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#1 Investment Choice

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Investment choice is often considered the main advantage because you can choose to invest directly into shares, property, hedge funds and even artwork.

You may even choose sophisticated investment strategies such as hedging of equities.

You navigate a Self-Managed Super Fund, unlike a superannuation fund like Sun Super Growth (where you have no input on investment decisions).
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#2 Borrowing Potential

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Trustees can now acquire direct property in their self-managed super fund thanks to new legislation.

This opens opportunities for larger ticket investments.
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#3 Tax Minimisation

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Self-managed super funds can use credits from franked dividends to reduce the 15% tax rate.

In a self-managed fund you are in a better position to select your investments to reduce this tax rate than you would be in a fund managed by others.

Significant tax advantages can also be gained on tax payable by proper internal structuring of the SMSF.
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#4 Cost Savings

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Managed funds may charge entry fees on contributions and have annual management fees which can vary, being on average 1.5%.

There will generally be set up costs, as well as ongoing administration and advisory costs.

However, depending on your investment choice, there may be little or no ongoing investment management fees.

There can often be significant cost savings for self-managed super funds with assets in excess of $200,000 compared to a super fund managed by others.
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#5 Estate & Pension Planning

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SMSFs bring excellent estate planning benefits.

When certain beneficiaries employ exceptional tax efficient strategies, advantageous income streams can be achieved.

For those members nearing the pension phase, a SMSF allows a seamless transition from accumulation into flexible income streams.

The ability to take tax free income streams on retirement is a big incentive to remain within the SMSF environment.
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#6 Asset Protection

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Asset protection afforded in an SMSF is crucial in a world where litigation and bankruptcy has become commonplace.

Your assets are protected in either of these events, even if there are withdrawals for living costs.

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Is YOUR SMSF Compliant?

SMSF Management requires ongoing education and can be very time consuming. The ATO has recently reported in breaches such as, “loans to related parties, using trust assets for personal purposes, failure to lodge on time, or exceeding contribution caps.”

In addition, number of SMSFs shut down for non-compliance breaches in 2009 was four times as many as 2008 and 20 times as 2007. Non-compliance fines start at $850 and can be up to $10,200 for a breach such like lending to a member.

Find out if YOUR SMSF is compliant now by entering YOUR details below.

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Talk to an SMSF Advisor now! 

Ask us anything and everything about YOUR SMSF.


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