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Self-Managed Super Fund Melbourne

We can’t predict the future, but we can plan for it

Self-managed superannuation is a significant financial decision and a smart long-term wealth-building strategy.
But without expert knowledge and advice, it can be incredibly complex and onerous if you’re the one in charge. Our experienced financial advisors in Melbourne provide an end-to-end self-funded superannuation solution that helps you take control and feel confident about your retirement. 

Is an SMSF right for you?

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Self-managed Super Fund Benefits

Investment Strategy Control

Choose where you want to invest your money, including direct shares, collectables, term deposits and cash. Make speedy changes to fund investments based on market conditions and sound financial advice.

Borrowing Freedom

Borrow money through a limited recourse loan (amounting to 60-70% of the investment property value) to buy substantial single assets like commercial property.

Tax Incentives

Accumulate assets for retirement planning while also funding retirement. Decide on the timing of contributions, allocation of earnings to certain members and setting aside ‘reserves’.

Asset Protection

Superannuation, in general, protects members from litigation and bankruptcy. If a business venture fails, you may end up only with your superannuation balance, given it is protected from litigious claims (however, you cannot use it to keep your business afloat, as it is intended for retirement).

Wealth Transfer

The right setup ensures the superannuation self-managed funds you want to transfer to dependents go to the right people in a tax-effective way at the right time. A complying SMSF technically has an unlimited life span, so both asset management and benefits payments to named beneficiaries can continue after the death of the concerned original SMSF trustee or member.

Transaction Savings

Seamlessly move from accumulation phase to pension or retirement. No need to sell down super fund assets (thus triggering capital gains tax & other transaction fees) and repurchase new assets for your pension. Simply keep investments and start drawing down on the SMSF balance as income. Avoid or reduce transaction expenses, such as brokerage fees, buy-sell costs and CGT.

Self-Managed Super Fund Benefits

Why choose an SMSF for your superannuation? The benefits of a self-managed super fund are significant. If you have over $200K in your present super fund, we strongly recommend you consider getting behind the driving seat.

More investment choice and strategic control
Greater borrowing freedom to make more investments
One fund for your family
Enhanced tax planning and incentives
Better estate planning and certainty for smoother wealth transfer
Transaction savings
Heightened asset protection from litigious action

Contact Melbourne’s self-superannuation experts today

1300 022 866

Our Professional SMSF Wealth Service

Self-funded super does not have to feel overwhelming. On the contrary, taking the driving seat can be incredibly empowering and financially rewarding. Hundreds of Melburnians now benefit from our support and expertise - you could be one. Our professional services include:

Request a no-cost meeting
Appointing your trustees
Creating a trust and deed
Registering the trust
Opening a bank account
Obtaining an ABN
Ongoing regulatory, legal reviews and updates
Structure personal insurance cover
Arrange trust deeds

Why Choose ActOn For Your Self-Funded Super

✓ Superannuation specialists

✓ Independent & impartial boutique financial planning firm with our own AFSL 

✓ Accredited and experienced investment specialists

✓ Transparent & high-level reporting 

✓ In-home and after-hour appointments 

✓ Ongoing dedicated lending advice and support 

✓ Strategic debt restructuring strategies 

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Contact Us About a Self-Managed Superannuation Fund

We don’t just assist you in setting up a secure and successful self-managed super fund. We stay abreast of the avalanche of changing information, important regulations, and industry updates to ensure you receive the best ongoing advice. 

Get in the driver’s seat with the best navigating team in Melbourne. 

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Frequently asked questions

This is a private super fund regulated by the ATO, giving individuals control over their retirement savings. SMSFs offer a wide range of investment options, tax planning strategies, and potential cost advantages for larger balances. However, they come with strict regulations, legal responsibilities, and ongoing expenses. They are best suited for those with substantial super balances, financial knowledge, and the ability to manage their own investments. Professional advice is recommended before commencing down this path.

In Australia, there are various investment options available for you to self-manage a super fund. These include cash and term deposits, Australian and international shares, managed funds, ETFs, property, infrastructure and utilities, fixed income, alternative investments, and precious metals. SMSF trustees have the flexibility to choose investments that align with their goals and risk tolerance. Seeking professional advice is important to ensure regulatory compliance. Consult with our financial planners in Melbourne to explore the diverse investment opportunities available to you.

Costs include trust deed preparation and ATO registration fees, and ongoing expenses like administration fees, audit fees, investment management fees, ATO supervisory levy, insurance premiums, compliance costs, and bank fees. These costs can impact the fund's performance, and generally, larger account balances make SMSFs more cost-effective. Costs may vary depending on the fund's complexity and professional assistance needed, so seeking professional advice is recommended to understand specific costs for your situation.

This process can involve complex legal and financial responsibilities, and professional guidance can ensure compliance with regulations and optimise the benefits of the fund. Professionals such as SMSF specialists, accountants, financial advisors, and tax experts can assist with setting up the fund, developing an investment strategy, meeting legal obligations, and fulfilling reporting and compliance requirements. Their expertise helps make informed decisions and avoid costly mistakes.

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ActOn Wealth is a privately owned boutique financial planning firm in Melbourne. Our number one focus is our clients. We strive to provide an exceptional service to help you achieve financial security and prosperity.

Head Office (Melbourne):
14/20 Commercial Road, Melbourne VIC 3004

Geelong Office:
Shop 7 Belmont Walk, Belmont, VIC Australia, 3216

13000 ACTON ( 1300 022 866 )
contactus@actonwealth.com.au 

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