Self managed super funds (SMSF) are powerful tools and represent the fastest growing sector in superannuation. 

Unlock the full potential of a SMSF 

A self managed super fund puts you in the driver's seat, giving you control over a broad range of investment options, generally not offered by traditional retail superannuation funds. It also gives you the flexibility to tailor your investment strategies to suit your personal circumstances. 

A SMSF presents you with unique opportunities to take advantage of tax concessions and create wealth. For example, you may be able to unlock cash tied up in your business premises, or build a 'family super fund' so younger family members can receive taxation benefits normally only available to retirees.

If you already have a SMSF, we can review your fund, to ensure that it's your Fund – rather than you – that's working hard. Here's how we can help:

1. We give you access to a co-ordinated and seamless service of specialists to assist you with your fund. Whether it is Accounting, Financial Planning, Legal, Portfolio Administration, or Financing, you select the service, you control the cost.
2. Maximise your potential opportunities e.g. potentially improve business cash flow, borrowing within a fund, and protection of assets.
3. Assist you in ensuring your fund is compliant, and reviewed in accordance with regulatory changes to protect you and maximise the tax concessions available.

An example strategy to get the most from your SMSF.

David, a 45 year old business owner wants to purchase his business premises and meets with a Guild Financial Planner for a free initial consultation on how best to go about this. Following an assessment of David's situation, the planner explains that by purchasing his business premises through a SMSF, he can save tax and take advantage of specific borrowing opportunities. By placing his business property within a self managed super fund, David can access his fund's assets to pay off some of his loan. He also has the peace of mind that both the business and personal assets are protected from creditors, or any future actions against the business.

Fast forward 10 years.....

David decides to sell his business property with the capital gain on the property is now $350,000. As his property was held for longer than 12 months in his fund, David is eligible for a lower tax rate on his capital gain, saving him up to $46,375 in tax.

However, the Guild Financial Planner recommends that David commence an allocated pension prior to selling the property, which eliminates all CGT on the sale and preserves more capital for David's retirement.