Explore your options with your superannuation

Superannuation Advisory & Asset Allocation Services

The ANIG WM Super and Investment Program is designed to help investors understand their current financial circumstances and available options to make strategic changes. ANIG WM advisors provide a range of services to give comprehensive investing and financial support, including superannuation advisory services, investment and tax advice, SMSF and SMSF Auditing, and more. These services can include advice on how to best structure and manage superannuation investments, the best investment options, and how to maximise returns. Get in touch with our team to discuss your needs.

ATO Guide for 'Running a self-managed super fund'

Families Investing

Medical Professionals

Business Owners

Retirement Planners

SMSF Investors

First-time Investors

The ANIG WM superannuation and asset allocation advisory services are services our Super and Insurance Financial Advisors provide to help individuals and businesses make informed decisions about their superannuation investments. These services can include advice on how to best structure and manage superannuation investments, the best investment options, and how to maximise returns. Our advisory services also offer advice on the tax implications of superannuation investments and how to take advantage of government incentives. We offer ongoing advice and support to help clients improve their superannuation investments.

FAQ about Super & SMSFs. Our Authorised Superannuation & SMSF-accredited advisers provide Specialist advice and investment services

No, the vast majority of people do not have the resources to achieve their wealth-creation goals on their own. It is important to talk to an adviser for advice and direction. Most ethical advisers will be honest and tell you if their strategies are not right for you. However, it is important to not judge your finances and seek help before it is too late.

Salary sacrifice is a strategy in which an individual redirects a portion of their salary into their superannuation fund instead of taking it as income. This can be beneficial as it reduces the amount of income subject to tax and increases the amount of money in their superannuation fund. However, for the strategy to be most effective, it should be combined with other super and tax strategies.

Retirement passive income generated from superannuation investments is generally tax–free. However, there are some exceptions, such as income derived from investments held outside of a superannuation fund, which may be subject to tax.
 
It is important to speak with a qualified financial adviser to understand the tax implications of any passive income generated. Your eligibility for the tax-free threshold depends on your preservation age and the legislative age.
 
  • Traditional industry or retail superannuation fund.
  • Shares, ETFs, managed funds, LICs and other assets based on investment objectives.
  • Cash and Fixed interest securities.
  • Buying a property or a business through an SMSF.
  • Managed Accounts (SMAs and MDAs) offering customisation, transparency, control, and a competitive fee structure – Property Investment through managed funds.
  • MIS (Managed Investment Scheme) enables a group of retail or wholesale investors to pool funds together and invest in a common enterprise.

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.

ANIG WM is the home of professional Financial Planners, Superannuation and SMSF-accredited Advisers. With our personalised approach, you can trust that your financial future is in good hands.

Message from our Super & SMSF-Accredited Advisers

Experience our expertise in Superannuation & SMSF advisory and investment services by making us your specialist SMSF advisers. We offer unlimited access to our knowledge and professional SMSF service solutions. We can also assess an SMSF borrowing strategy with you, helping you determine your borrowing capacity and advise if it is a viable solution for you.
Work with an authorised ANIG WM Adviser