Aqua Wealth | Self-Managed Super Funds
Financial Planning, Mortgage Finance & Life Insurance. With over 100 years combined experience, we've got you covered.
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Self-Managed Super Funds

Self-Managed Super Funds (or ‘SMSF’s) are the fastest growing choice of retirement vehicle in today’s environment. But there’s more to know than simply its growing popularity. While the idea of buying property using your superannuation funds may sound appealing, there’s a number of things to consider in order to understand whether a Self-Managed Super Fund (SMSF) is right for you. Luckily, we’re experts in that area and can help guide you, making everything simple and easy to understand meaning you can make informed decisions to ensure you get the most out of your superannuation.

SMSF - a fast growing investment vehicle

Self-Managed Superannuation Funds (or SMSF’s) are one of the fastest growing, and also one of the biggest investment vehicles available.

 

An SMSF can be cost effective to alternate Retail or Industry Super Funds, however there are so many elements of a SMSF, such as investment control, estate planning, tax control, borrowing, lower costs, pension planning and asset protection that must be properly managed to ensure it works correctly and that its obligations are met.

 

As of June 2013, the 31% of money held in DIY super funds or SMSF’s exceeds the super money invested via retail funds (26%), industry funds (20%), public sector funds (16%) and corporate super funds (4%).

So what's involved with an SMSF?

The team at Aqua Wealth specialize in the SMSF ‘space’ and are well equipped to assist you in establishing and structuring an SMSF that works well for you and one in which you will have complete control over.

 

We can even help you meet your responsibilities as a trustee and work with you on creating and implementing an investment strategy that takes into account, direct property, direct equities and cash solutions to ensure the SMSF best meets your goals and investment objectives.

SMSF loans and early access

If your SMSF is looking to borrow to investment in Residential or Commercial Property our experienced Credit Advisers have access to an extensive panel of lenders that can provide you with the right loan solutions to meet your needs.

 

Lending to a SMSF is available via a Limited Recourse Borrowing Arrangement “LRBA” which is a complex process that requires the appropriate professional financial advice. The Credit Advisers at Aqua Wealth have a sound understanding of SMSF lending and are here to help you navigate through this process.

SMSF lending in a nutshell

Speak with one of our experienced and friendly team today!

I WANT TO SET UP AN SMSF. WHAT’S THE PROCESS?

1. Work out if it's right for you
20%

The first and probably most important part of the SMSF discussion is establishing whether or not it’s right for you. That involves getting a background of your full financial position, having discussions with all of the parties that may potentially be involved, and working out whether the costs outweigh the benefits.

2. Define your goals and objectives
40%

Once we know and understand you and where you’re at, it’s time to work out what you’re looking to get out of establishing and running a SMSF successfully. Since ‘success’ has a different meaning to just about everybody, it’s really important that we establish what the goals and objectives of the fund will be so that so that you have clearly defined path to head down.

3. Put together a 'blueprint'
60%

One of the most important parts of establishing your SMSF is to ensure that you have an Investment Strategy, outlining the funds objectives and even the specific types of investments your fund can make.

4. Bring it all together
80%

We’ve got the blueprint and we’ve set our targets, it’s time to make things happen! Once we’ve outlined your blueprint, it’s time to get your fund set up and implemented. We’ll help you every step of the way and turn what’s supposed to be a complicated process into a nice and simple one, too.

5. Review and ensure that everything keeps on track
100%

One of the most important things about setting up an SMSF is reviewing where things are at and making sure that your investment philosophy remains up to date and in line with your goals and objectives. Fortunately, that’s what we’re here for!

Speak with one of our experienced and friendly team today!