Online Knowledge Centre

At SMSF Strategic Advisors we care about our clients and are pleased to provide a selection of fact sheets and other resources, for your easy reference and review. For more information or to request an appointment, please contact our office on (07) 4225 5428 or email info@smsfsa.com.au

Understanding Superannuation

Superannuation is an investment vehicle designed to assist Australians save for retirement. The federal government encourages saving through superannuation by providing generous tax incentives for contributions, during investment, and in retirement.

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Understanding Insurance

Insurance can be considered as one of the most important aspects of planning for and protecting your financial future. Not many people consider how their family would cope financially if they die, become disabled or suffer a major trauma event.

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Is a SMSF right for you

Deciding to take control over your superannuation by commencing a Self Managed Superannuation Fund (SMSF) allows you to take control of one of your largest assets. Given that superannuation is generally the largest source of your retirement income, it is very important to take the following into consideration before deciding to do it yourself:

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Establishing a Self Managed Superannuation Fund

A Self Managed Superannuation Fund must be set up correctly to make sure it is eligible for tax concessions, can accept your contributions, is able to accommodate a range of financial planning strategies and is easy to administer. Without these, the SMSF will not meet its primary goal of meeting your retirement needs.

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SMSFs

Your superannuation plays a big part in saving for your retirement. Because of this, you want to make sure that you are comfortable with where your savings are held and, importantly, who is in control of your money.

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Limited Recourse Borrowing arrangement

Self-managed Superannuation Funds (SMSFs) are popular with people who like to have direct control over their savings. One of the benefits is a SMSF can borrow money to invest in commercial or residential property. This is a great way to grow your assets and plan for your future financial security.

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Super & Divorce

In the event of a marriage breakdown, superannuation can be divided just like other assets. Separating superannuation assets involves the couple entering into a financial agreement or if an agreement can’t be reached, a Family Court order will determine how assets are divided.

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Understanding Business Succession

As a business owner, you know that your business is not just about work – it’s your life and your livelihood so that means your share in your business is one of your family’s most important assets. It funds the lifestyle that you enjoy today – and will continue to enjoy in to the future.

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Income in Retirement

During your working life you receive regular income in the form of a salary or business income. In retirement, this regular income stops, so you need to draw on your savings to meet your lifestyle costs. Your salary ends, but there is nothing to stop you setting up your savings so you still receive regular payments, just like a salary. We refer to this as a ‘retirement income stream’.

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Understanding Social Security Payments

The following is a brief description of the various Social Security and Family Assistance benefits available. This is not an exhaustive list, so individuals should seek advice on the benefits they think they might be eligible for.

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Estate Planning

You spend a large proportion of your life working; working to get money to look after yourself, to provide for your family and to save for the future. Given the focus that is placed on creating wealth while you are alive, it seems logical to want some control over what happens to these assets once you are gone.

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