Take Control of your Future with a Self-Managed Super Fund
Self-managed super funds, or SMSF’s, are exactly what they sound like. They allow you to manage your own super and make your own investment decisions and choices. SMSF’s are smaller than corporate, retail and, industry funds. Because they are smaller than these traditional master trusts they can provide individual trustees within a SMSF’s more flexibility to tailor the fund to your own personal circumstances and retirement funding requirements.
With a self-managed super fund, you choose where your money goes, giving you ultimate control of your own fund. This puts you in charge of your own retirement, and could save you a lot of fees and charges by doing this. An SMSF allows you to leverage into broader investment options, such as property or shares, or you can stay with whatever is comfortable. Either way, it is you who makes the decisions.
Who qualifies for a SMSF? Any individual or group of up to four members can start one. To benefit from this structure we recommend pooled investments of $250,000 or more to justify the ongoing costs associated with managing a compliant SMSF. New funds can be set up with individual or corporate trustees.
At Highland Financial, we will help you with important considerations and strategies, including your personal investment strategy, pension, transition to retirement, and personal insurances. We provide a full range of financial services for your SMSF, including the following:
To many firms, only the larger accounts are seen as “important,” while smaller funds are seen as “less important.” At Highland Financial everyone, from the largest corporate account to the minimum starting account, is important, and we treat everyone with the respect, attention, and dignity they richly deserve.
At Highland Financial, you can always rest assured that we will treat you like we treat our own family members. We love what we do at Highland Financial, and what we do is take care of people like you, who want to ensure that their super provides for their future.
If you are thinking of starting a Self-Managed Super Fund, or already have one and aren’t satisfied with the service you are getting, speak to your Highland Financial specialist on 1300 657 037 or email to email@example.com.
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If you want to have full control over your superannuation investment, then a self managed super fund is the way to go.
Operating this type of fund is more complex than allowing a third party service to take care of it for you, but if you make the right choices you can save a lot on the taxes and fees that can be involved in maintaining a superannuation fund.
Why would you want to do this? Superannuation fund managers are supposed to be experts in finance and investing. If you’re not an expert, you may feel that you’d be at a disadvantage by eliminating the expert fund manager from the equation.
The simple truth is you can set up a scenario where you can enjoy the low costs of a self managed super fund while still having access to expert financial guidance to make the correct decisions concerning how to invest your superannuation money.
Highland Financial is an expert investment advisor that is fully independent, charges fixed fees, and has access to a global network of financial intelligence data.
With this power working for you, your self managed super fund can be expected to perform even better than a traditional superannuation fund.
We will help you with establishing and structuring your fund. We’ll identify quality investment options chosen especially to meet your investment needs. At every step, you have a trustworthy advisor you can depend on to give you all the guidance you need to avoid the mistakes made by so many owners of self managed super funds.
Experts in investment and superannuation
Highland Financial has been a leading participant in the financial industry in Brisbane for many years. In that time, we have established a solid reputation for the quality of the services we provide.
When you become our client, you get all the benefits of a self managed super fund without the burdens. That’s because we have the resources to get everything in place for you so that you can almost effortlessly manage your superannuation.
Make no mistake, running a self managed superannuation fund is a huge responsibility, and your future depends on you executing that responsibility well. The smallest error can result in vast sums being wiped off your future balance (this is due to the nature of compounding).
Compounding is exactly what it sounds like. Good things and bad things alike can be magnified. This is both a strength and a weakness, but with our help you don’t have to worry about the negative side of compounding. For you, compounding is a good thing.
In fact, if you understand a simple formula, it is easy for you to calculate how long it will take for you to double the balance of your fund. This is the “Rule of 72” which makes that calculation very easy.
Simply take the number 72 and divide it by the average anticipated interest rate you expect to earn on your investments. The result will be the approximate number of years it will take to double the value of the fund.
You’ll actually accomplish your goal faster than the number returned to you by the formula because you are constantly topping up your superannuation balance with additional contributions.
If your current superannuation fund shows you a high interest rate but your money is not increasing in line with the Rule of 72, you are most likely paying too much in fees.
As you can see, a self managed superannuation fund that is managed well can be potentially very rewarding. Eliminate those high fees and you have more money in your fund to compound.
Talk to Highland Financial today about setting up your own self managed super fund.
Highland Financial are financial planners based in Brisbane who specialise in wealth creation and management. We provide financial planning services and advice that is geared to your financial situation. Visit our website or call us and see how we can help you generate wealth.