We offer a full range of superannuation advice including:
We can assist in determining the most appropriate form of superannuation investment, especially important with the Choice of Superannuation Fund rules. We can compare the performance, fees and benefits of a wide range of funds and provide advice to help maximise investment returns, and minimise fees.
We advise a large number of SMSF’s in areas such as asset allocation, share, property and other investments, cashflow forecasts, pre-retirement strategies, contribution splitting, Reasonable Benefit Limit planning, pension and actuarial calculations and the Transition to Retirement rules.
Self Managed Superannuation Funds (“SMSF’s”) are a very popular superannuation structure being utilised by approximately 300,000 individuals, families and small businesses. They currently account for over 20% of all assets held in the Australian superannuation system. These small superannuation funds are referred to by a variety of different names including “DIY” funds (do it yourself), “Family” funds, “Mum and Dad” funds and of course “SMSF’s”
SMSF’s perform the same role as other funds, by investing contributions and making them available to members on retirement. The main difference is that the members of a SMSF are also the trustees of the fund. They control the investment of their contributions and the payment of their benefits.
As individuals’ superannuation assets have grown, many people have sought to gain greater control over the day-to-day management of their superannuation. Hence, the rise in popularity of the SMSF.
A SMSF is a superannuation fund that has a number of unique characteristics. Some of these include:
Whilst the trustees of a SMSF must act in accordance with the general laws governing all superannuation funds, a number of concessions apply including the ability of a SMSF to acquire certain assets (particularly listed securities and business real property) directly from members of the fund.
SMSF’s offer some very real benefits to members but, at the same time, carry responsibilities and obligations which we can help clients meet.
We can assist clients with the establishment, accounting, audit and administration of the fund, as well as prepare the required investment strategies designed to meet client’s needs.