The ANIG WM’s super & investing program is designed to help investors understand their set circumstances and their available options to implement key strategic changes. As a leading financial advisor in Sydney we offer a range of services designed to provide comprehensive investing and financial support. We can assist investing & tax, SMSF and SMSF Auditing, and more. Discuss your needs withour team today. 

ANIG Wealth Management 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 financial future. ANIG WM’s strategic super and SMA investing, investment debt structuring, and tax mitigation solutions can help protect and grow your available resources (superannuation and non-super assets) and 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 your single source of solution to all your super and investing questions. 


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 customized 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, SMAs, 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.

It cost zero dollars to have a 5-minutes honest over the phone conversation with an ANIG Wealth Management
adviser. Take the opportunity and discuss your options. Where we can help, you will be advised on how and where to start.

The answer will be ‘No’ for the vast majority of the population. 

This doesn’t mean you do not have options. What we often see is that people convince themselves that their goals cannot be achieved and sit on good assets that could have been utilised to support their wealth creation objectives – they don’t seek help until it’s too late. 

Stop judging your finances and talk to an adviser. Most good and ethical advisers will be the first to tell you if they believe you could not benefit from their strategies but you should have peace of mind in knowing that they will point you in the right direction. 

Increasing your concessional contributions through a salary sacrifice arrangement can be helpful. However, it will be more beneficial when the strategy is combined with other super and tax strategies.

That is dependent on your preservation age and the legislative age to be eligible for the tax-free threshold. Currently, people age 60 who enter retirement phase can access super tax-free. However, there are simple adjustments that can be done to archive that and other outcome on their investment returns within superannuation.

The federal government retirement calculator and others provided by the major banking and superannuation institutions project and provide some indications on what to expect. However, they do not tell the whole story. These calculators rely on assumptions that the world is linear. 

If nothing, recent developments with the COVID 19 pandemic should help investors understand markets can be highly volatile. Also, investment returns and assumptions can be unpredictable. 

It is why we’ve always included risk management tools in our investment strategies and portfolios to ensure we can cap our downside risk. 

– Traditional industry or retail superannuation fund based on your personal investment goals and expectation.

– Shares, ETFs, managed funds, LIC, and other assets based on your investment objectives.

– Buying a business.

– SMAs – it can be invested in SMAs. An SMA or Separately Managed Account are portfolios of individual securities owned directly by the investor and overseen by a professional money manager. SMAs can offer investors with customisation, transparency, control, and a competitive fee structure. SMAs are tailored specifically for each investor’s goals and expectations, including the exclusion of any specified securities.

– Property Investment – You can use your super for investing in direct residential or commercial property or property investments through managed funds.

– MIS or Managed Investment Scheme. An MIS enables a group of investors either retail and or wholesale to pool funds together or invest in a common enterprise to produce financial benefits for the investors in the scheme.

– And other assets.

Enough is having the peace of mind of being debt-free with a roof over your head and sufficient investible assets generating you your desired passive income. 

Enough is knowing your options today no-matter how great or bad it may be and preparing yourself mentally for improving your situation or accepting it. 

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 its 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 although is to serve for investment purpose, the interest on the loan amount drawn from your home and contributed into super will not be tax-deductible to your marginal tax rate. As such, cash flow becomes very critical to this strategy. 

With this strategy, ANIG 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 investment timeline. 

One of the reasons where this strategy becomes appropriate is that you will be investing in a lower tax environment (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 repayment this strategy could be attractive to most investors. 

We can help navigate your financial future. Our professional service expertise is combined with technology to give you a unique service and advice experience. 
Superannuation Advice