SELF MANAGED SUPER FUNDS

At Future Planners, we utilise the huge tax benefits currently offered by superannuation for many of our clients, especially those on the wrong side of 45! Super can be used to build long term wealth and reduce tax, but you can’t touch it till later in life, so in earlier years, slow and steady building of super account balances as just one part of an overall plan is the way to go.

“Superannuation” is not an investment. It is one of the different tax structures that we can use to hold our investments, just like a family trust or a company. It is specially designed for retirement savings and investments and it carries its own set of rules and guidelines. How your super fund performs for you each year will largely depend on what type of investments your particular super fund holds and, in most cases, this choice is totally up to you.

Specialists in Self Managed Super Funds

A particular specialisation of ours is Self Managed Superannuation Funds (SMSFs). SMSFs are the fastest growing sector of the superannuation industry by a long shot. Whilst SMSF's are not a suitable option for everyone, an increasing number of people have been attracted to SMSFs over the last decade, particularly where they have accumulated substantial amounts in savings and/or their income levels are high.


What are the main benefits of a Self Managed Super Fund?
  • Control.
  • Investment choice.
  • Flexibility.
  • Sharing a SMSF with your partner.
  • Ability to borrow.
  • Buy property.
  • Buy shares.
  • More certainty for your family when you die.
  • Cost effectiveness.
  • Tax Savings.

In making a decision as to whether an SMSF is for you, the benefits need to be countered with the additional responsibility that an SMSF brings. At Future Planners, SMSFs are widely used by our clients where appropriate, with our SMSF Support Service facilitating all essential administration, management and compliance duties.

Future Planners advisers are Self Managed Superannuation Fund Accredited Specialists and are well equipped to help you make the most of your superannuation savings and investment programme.


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