The ANIG Wealth Management SMSF and investment solutions are designed for retail clients with a minimum or combined superannuation balance of $200,000.

Whilst we have high net worth investors, we can attest to the fact that SMSFs are not only for the ultra-wealthy investor. An individual or a couple with a minimum or combined superannuation balance of $200,000 can equally benefit from the SMSF investment vehicle with the right investment advice and strategies.

For government guidance, you should start and refer to the provided 36 page introduction article by the ATO for ‘Running a self-managed super fund’. 

ANIG WM is a licensee and a diversified wealth management firm focused on managing and growing the wealth of non-institutional investors and retail clients. 

 

You have spent a lifetime working to secure your retirement. ANIG WM’s SMSF and investing advice and SMSF loan structuring solutions can help protect and grow your available resources (superannuation and non-super assets) to provide the confidence and peace of mind you seek from your advisers and wealth management firm. We share a common goal with all our advisers and through our personalised and comprehensive investment and wealth management solutions we are the single source to all your SMSF, wealth creation and retirement planning questions. We offer SMSF Auditor services for individuals.

 

Our point of difference?

 

Holistic – With wealth comes complexity, so our holistic approach to financial advice and investing begins from understanding your set immediate and long-term objectives. Our processes are to ensure we are strategising to deal with your unique and ever-evolving circumstances for your immediate and long-term peace of mind.

 

Direct ownership – Owning our AFS license allows us to independently think about our strategies and clients’ wellbeing without any institutional agendas. We can reduce/cut unnecessary costs, and our clients/advisers are well-positioned to be investing direct using their preferred asset classes of equities, fixed interest, and direct property-based investments. 

 

Customisation – We have a flexible approach to portfolio construction. Your portfolios are customised to your set security level and unique investment risk profile to provide you the confidence you seek and peace of mind. 

 

Accessibility – You will be under the management of your adviser/AR/CAR. You will have direct access to your adviser/AR/CAR and also your investment managers. We provide 24/7 access to your portfolio, so you can always be evaluating our performance. 

 

Tax-effectiveness – We focus on the after-tax returns to stem or reduce your cash outflows and promote wealth preservation. With investors opened to sound advice, we are comfortable using investment vehicles like Superannuation, Separately Managed Accounts, SMSF, Family Trust, and other tax-effective vehicles to reduce the tax impact on your investment returns and future capital gains

 

Exclusivity – Given we are a non-aligned firm, we can apply a diverse range of investment solutions, and you will have access to exclusive investment opportunities that would otherwise not be available to you in a product-based market.

Have a 5-minute zero cost conversation with us, explore and discuss your situation and we can let you know if this is something you could implement or be pointed to the right direction and alternative offerings.

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 ANIG WM can provide investors.

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

You can be investing directly in almost all assets. This includes but is not limited to assets such as listed and unlisted shares, ETSs, Managed Funds as well as residential and commercial properties.

It is important to stress here that advice from a qualified financial adviser is required to initiate the process and ANIG can offer you this service. There are several benefits for investing directly with an SMSF, some of which include the tax benefits and unlimited investment options.

An investor can set up an SMSF alone without any other party. However, an SMSF can have up to four (4) members. This implies that up to four individuals or a family can put together their super fund and utilise a SMSF as an investment vehicle to help fund their retirement.

Yes, you will receive ongoing advice and support services in administering your self-managed super fund (SMSF). 

ANIG WM provides full-service assistance to new SMSF trustees with their education about the SMSF vehicle and also the establishment of 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 insurance coverage. However, you are required to consider insurance advice with your SMSF. ANIG WM provides insurance service advice to SMSF clients, ensuring you are meeting your trustee obligations.

You know how it works leaving your retirement savings in the hands of the super fund providers to manage and make investment decisions on your behalf. Similarly, investors who choose to establish their own SMSF need to understand the risks, time, resources and compliance obligations associated with setting up and running an SMSF.

Unlike the traditional retail or industry superannuation fund, SMSF trustees are ultimately responsible for the operation of their fund and that is an important role that carries certain duties and responsibilities. 

The ANIG WM SMSF advice solutions are catered for such retail investors in meeting their trustee duties and obligations. The process can be educational, interactive or as passive as in the case of how you are currently running your super fund. The choice is in your hands. 

That depends whether the investor like the concept of property and would appreciate the opportunity to pay less tax on the rental income and capital gains associated with a property investment. 

 

If an investor would like to pay up to 15% tax on rental income and potentially zero (0) tax on the rental income when they retire, or to pay up to 10% capped CGT to potentially zero capital gains tax in retirement for a property held over 12 months, then a property in super can be a good idea. For property investors, our observation is that they prefer to use borrowed funds with superannuation savings for property investment. The borrowed funds can also be thought of as an injection of capital separate to their own or employer contributions to achieve their desired retirement outcome. 

 

For investors with no appetite for property investments, they have the option to experience our investment advice process, our investment strategies and advice recommendations with access to 80 Plus Investment Managers, 1000 Plus Managed Funds, 350 Plus Professionally Managed Portfolio and Over 20,000 Shares and ETFs across 23 global exchanges including the ASX. Note that the same tax considerations that apply to property are applicable to these investments. 

 

There are no limitations on what we do. Investors will always be advised based on their attitude towards investment risk, their set circumstances, lifestyle and financial goals, and other important factors that are identified in your advice process. 

 

Talk to ANIG WM and ask how we can help. 

There are times where redrawing from home equity and injecting the capital in the form of a non-concessional contribution (NCC) to super can be appropriate. However, the downside to this strategy is that the capital injected into super is to serve for investment purposes, the interest on the loan amount drawn from your home and contributed into super will not be tax-deductible at your marginal tax rate. As such, cash flow becomes very critical to this strategy. 

With this strategy, ANIG WM advisers assess the upside and ensure the redraw amount is set at a lower or reasonable LVR. Where we identify insufficient surplus cash flow to support this strategy, we advise against it. Ultimately, this strategy is focused on paying off the loan within the strategic investment timeline. 


One of the situations where this strategy can be considered is that you will be investing in a lower tax environment (max 15%) as compared to whatever your marginal tax rate may be. Also, CGT is capped at 10% within superannuation. Aside from an investor losing out on tax credits on interest repayments this strategy could be an attractive alternative for some investors. 

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