Flexible Investment Options with SMSFs

SMSFs are often used by investors looking for flexible and unlimited investment options. They are for investors wanting their investment preferences considered and included in their superannuation investment decisions. Most investors employ the services of a qualified SMSF financial adviser to assist. They do so knowing their set goals and objectives will be considered, which is a service an SMSF-accredited ANIG WM adviser can provide their clients.

If you have been thinking of taking ownership of your superannuation savings and having a say in the how, where, and type of assets your funds get invested in, then an SMSF may be a tool to consider.

We understand investors have different goals, and we provide tailored advice and strategies to help you achieve them.

SMSF investors can invest directly in almost all assets. This includes but is not limited to assets such as listed and unlisted shares, fixed interest, ETSs, Managed Funds, and residential and commercial properties.

There are several benefits to investing directly with an SMSF, including tax benefits and unlimited investment options. However, the services of a qualified SMSF adviser can help make a significant difference.

Our team of specialist Superannuation and SMSF advisers look forward to finding out how we can help you with your superannuation and retirement planning needs. We provide extensive opportunities to invest in all major asset classes, tax management, insurance and estate planning services to ensure you are well-protected and your wealth is transferred to the next generation. 

Link to ‘Self-managed super fund quarterly statistical report – March 2019’

Our services for business owners and medical professionals are focused on connecting you to what you love and helping you turn that into wealth.

Our specialist advisers, SME and SMSF accredited advisors can help you balance your objectives with solutions to benefit your business, practice, yourself, and your family. We provide advice on tax planning, insurance, superannuation, investing, and wealth management, as well as helping you assess your eligibility for the Small Business Entity Concession if you’re looking to sell your practice or business.

ANIG WM advisers can provide ongoing advice and support services in administering your self-managed super fund (SMSF).

Our SMSF-accredited advisers can provide full-service assistance to new SMSF trustees with their education about the SMSF vehicle and establishing a new SMSF. Most importantly, we guide clients through their administrative duties, their documentation and processing of financial information, annual audit and the preparation and lodgement of the SMSF tax returns with the ATO.

By default, an SMSF does not come with life/TPD insurance. Unlike retail or industry super funds, an SMSF does not automatically provide life or total and permanent disability insurance. You must arrange insurance coverage for yourself and any other fund members if you have an SMSF.

Investing in an SMSF requires a thorough understanding of the risks, time, resources, and compliance obligations associated with setting up and running the fund.

Compared to traditional retail and industry superannuation funds, trustees of an SMSF are ultimately responsible for the fund’s operation and associated duties and responsibilities.

Our SMSF-accredited advisers cater to retail investors who want to meet their trustee duties and obligations. Depending on the investor’s preference, the process can be as educational, interactive, or passive as running a traditional super fund.

Investing in property through superannuation can be a great option for investors looking to diversify their portfolios and take advantage of lower taxes on rental income and capital gains.

Generally, an investor could consider SMSF property investment when there is sufficient cash flow, liquidity and the SMSF has a long-term investment approach.

Therefore, if an investor wishes to pay minimal or no taxes on rental income or capital gains from their property investments until retirement, investing in property within their superannuation fund is a great solution. This will allow them to benefit from the tax advantages that superannuation offers and also ensure that their investments are secure and managed professionally.

Sometimes, redrawing from home equity and contributing the money into super can be a good idea. This strategy involves redrawing from home equity and injecting the capital as a non-concessional contribution (NCC) to super. However, the interest on the loan amount drawn from the home and contributed into super is not tax-deductible at the marginal tax rate. Therefore, cash flow is essential to ensure the strategy is successful.

This strategy may only be suitable if there is sufficient surplus cash flow. The loan should be paid off within the strategic investment timeline if this strategy is pursued. The primary benefit of this strategy is that the investment is made in a lower tax environment (max 15%), with CGT capped at 10%. However, the investor loses out on tax credits on interest payments.