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Self Managed Super Fund

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How We Can Help

You are ambitious and want to control your own superannuation fund. 

We can help you:

  • discover the alternatives to gain control of your super
  • find out the pros and cons of using a SMSF
  • setup your SMSF
  • setup investment strategies
  • administration / accounting
  • SMSF audit
  • implementations

Helping You In The Pros And Cons

Factors

Benefits Of SMSF

Investment choice
SMSFs provide a range of investment options. Trustees can potentially access direct shares, high-yielding cash accounts, term deposits, income investments, direct property, unlisted assets, international markets, collectables and more.

Tax strategies
Like all super funds, SMSFs benefit from concessional tax rates. In the accumulation phase, tax on investment income is capped at 15%; in the pension phase there is no tax payable, not even capital gains tax. Carefully considered tax strategies which can help you grow your super savings and reduce tax payments as you transition to retirement.

Flexibility
SMSFs allow multiple members to run a variety of accumulation and pension accounts. You’ll be able to adjust your investment options as it suits you, allowing for a fast response to changes in market conditions, super rules or personal circumstances.

Transparency
SMSFs offer significant transparencies that allow trustees to align their personal goals with their investment decisions. Whether you’re passionate about property, shares or sustainable and ethical investing, SMSFs provide a platform which allows you to understand where your money is invested with complete visibility over performance and tax treatment

A SMSF Specialist Advisor is a professional advisor who has undertaken a program for SMSF professionals through SPAA and consists of examination, referee checks and CPD activity. Panbo Ye SSA, FCPA, AFP at your service. 

Things You Need To Know

Investing on your own can be risky.
All investments come with some level of risk. However, the more investment experience you have, the better you’ll be at managing this risk. You need to be confident in your ability to create and manage your SMSF investment strategy. If not, you may be better off staying  with a regular super fund that manages these investments on your behalf.

SMSF regulation is constantly changing.
You may understand all the regulations and policies concerning SMSFs, but laws are constantly being amended. Therefore, you run a risk of not keeping up to date with relevant legistlation and you risk being penalised. Because these regulations are constantly evolving, it can be easy to get caught out.

A SMSF could end up costing you more.
A SMSF could end up being more relatively expensive to manage compared to the fees you’d pay in a standard super fund. There are set-up fees, annual reporting and auditing fees as well as ongoing admin and investment management fees to consider. Additionally, if you decide to pay for professional investment advice and planning, you’ll be paying even more.

Did You Know …

  • There are cheaper and more effective options than SMSF to manage your super.
  • SMSF is a great estate planning vehicle.
  • Generally you should have $500,000 (combined) before considering to start your own fund(ASIC 2020).

I Put My Clients' Best Interests First!

Panbo Ye, Managing Partner, Tax Ideas

Plan Of Action

Know Your Goals

Do NOT trap yourself into selecting the best solution as there is no such thing. Each option is a double edge sword and there are pros and cons. It is important to know your goals before 

discovering solutions with us. What are your goals? Tip: pay less tax and earn more wealth are NOT goals, they are habits. 

01

Plan

Think about your goals and what you really need.  

02

Action

Stick to your plan but don’t be stubbon. Do it right.

03

Review

Review your plan, review the situation and adjust them accordingly.

You Are Not Alone

Our Professional Services Include:

We offer full accounting services including bookkeeping; tax planning and advisory; company financials; SMSF administration and more.
ACCOUNTING
Our mortgage brokers are good negociators who find the best deals on the market for you. They work with your accountants and planners closely.
MORTGAGE
Our internal financial planners put your best interest at their heart. They are doing only one job - make you into a better position while achieve your goals.
WEALTH
Insurance plays a vital rule in your life. It provides certainties and help in the times you needed the most. Insurances can have strategies attached 🙂
INSURANCE
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