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What we offer?

Superannuation is a vital aspect of any wealth and retirement strategy. Superannuation allows you to save and invest money during your working life to fund your retirement. With our help, you can take control of your own superannuation investment through a Self Managed Superannuation Fund (SMSF).

What’s involved?

Self-managed Superannuation Funds are inexpensive and easy to setup and in many cases, the compliance costs are lower than retail funds’ administration charges.

We guide you through the setup process and with our specialist wealth advisors, we can provide you with the investment advice you need.

Our wealth advisors can provide advice in the following areas:

Wealth accumulation
Wealth protection
Retirement planning

Self Managed Superannuation Funds give you the flexibility to invest in the assets you want to, not what the retail funds choose for you. With the added benefit of being able to borrow money in Super to fund the purchase of an investment property or larger parcel of shares, a Self Managed Superannuation Fund has never been a more attractive vehicle to drive your wealth and retirement plans.

There are certain regulatory responsibilities placed on trustees of SMSF, therefore when setting up a fund it is important to consider various issues including:

  • Will I have the time to manage and administer the SMSF?
  • Will there be sufficient funds in the SMSF to make the administrative costs worthwhile?
  • Will the other trustees of the fund be suitable co-investors?

The legislation does not state exact types of investment in which an SMSF can invest. Some investment practices are restricted, the aim is to protect the assets against overexposure to undue risk. The main purpose of the investment is to generate and grow retirement benefits for the members.
Please note restrictions on investments:

  • lending to members and their relatives
  • acquiring assets from ‘related parties’ of the fund
  • acquiring assets from ‘related parties’ of the fund
  • borrowing
  • investing in ‘in-house’ asset
  • all the investments need to follow the two main rules: “sole purpose test” and “arm’s length”
  • It is the duty of the SMSF trustees to separate the SMSF assets from their own personal assets, or assets belonging to their business
  • SMSF assets cannot be used for personal or business purposes, this representing the “sole purpose test” i.e. the funds in the fund is aimed for the retirement purposes only, and cannot generally be accessed until retirement