This document provides information about a master class webinar on using a self-managed superannuation fund (SMSF) to invest in property. The webinar will cover topics like the advantages of SMSF property investing, tax benefits of SMSFs, limited recourse borrowing arrangements, and a case study of a couple who purchase an investment property through their SMSF. The webinar is aimed at both new and experienced investors and will allow time for Q&A.
Crucial Depreciation Tips To Help Boost Your Cashflow Webinar 2Real Estate Investar
The webinar included
Why most property investors are paying too much tax and 9 ways to ensure that's not you.
How to use depreciation within your portfolio to maximise your rental returns.
9 insider depreciation tips to help you minimise your tax implications.
Older properties depreciate too - what to do if you own older investment properties and how to maximise your claim.
How to turn a negative cash flow property into a positive cash flow property.
Live Q&A session to answer any of your depreciation questions.
Why most property investors are paying too much tax and 9 ways to ensure that's not you!
How to use depreciation within your portfolio to maximise your rental returns.
9 insider depreciation tips to help you minimise your tax implications.
Older properties depreciate too - what to do if you own older investment properties and how to maximise your claim.
How to turn a negative cash flow property into a positive cash flow property.
Live Q&A session to answer any of your depreciation questions.
10 Tips To Replace Your Income With Commercial Property InvestingReal Estate Investar
Learn how an easy to implement strategy of focusing on high income, commercial properties can ultimately help you replace your income and reap long-term rewards.
Crucial Depreciation Tips To Help Boost Your Cashflow Webinar 2Real Estate Investar
The webinar included
Why most property investors are paying too much tax and 9 ways to ensure that's not you.
How to use depreciation within your portfolio to maximise your rental returns.
9 insider depreciation tips to help you minimise your tax implications.
Older properties depreciate too - what to do if you own older investment properties and how to maximise your claim.
How to turn a negative cash flow property into a positive cash flow property.
Live Q&A session to answer any of your depreciation questions.
Why most property investors are paying too much tax and 9 ways to ensure that's not you!
How to use depreciation within your portfolio to maximise your rental returns.
9 insider depreciation tips to help you minimise your tax implications.
Older properties depreciate too - what to do if you own older investment properties and how to maximise your claim.
How to turn a negative cash flow property into a positive cash flow property.
Live Q&A session to answer any of your depreciation questions.
10 Tips To Replace Your Income With Commercial Property InvestingReal Estate Investar
Learn how an easy to implement strategy of focusing on high income, commercial properties can ultimately help you replace your income and reap long-term rewards.
This webinar shows you how you can use Real Estate Investar's all-in-one property investment platform to help build and manage your property investment portfolio.
You will learn how to
> Analyse your property investments: Create 10-year cash flow and capital growth forecasts.
> Do real time portfolio tracking: See market values, capital growth, equity, income, expenses and cash flow in real time.
> Integrate your data with Xero, the global leader in cloud accounting.
> Improve portfolio performance: Add thousands per year to your bottom line by easily monitoring and optimising the financial performance of each property.
> Instantly find property that matches your buying criteria with our unique investment focused search engine.
> Filter, search and analyse the listings from 40 plus sites nationally in one place.
> Accurately estimate the value of any residential property and view on the market and sales history for better negotiation.
> Analyse the investment performance trends of every suburb and complete your research with the latest data.
This new, educational webinar covers exactly how to get started with profitable property investment.
This webinar covers
> How do you balance buying for cashflow and capital growth?
> How to do a detailed investment property forecast in just 2 minutes.
> Finance: Making sense of LVR’s and DSR’s – what do they mean?
> 7 tips for increasing your borrowing ability.
> How do you work out the maximum you should pay?
> Why it's smart to buy at a $20k - $50k discount and create immediate equity.
> 11 things you can do to boost your rental income by $1,000 to $10,000 per year.
> How to pick properties that generate both positive cash flow and tax refunds.
> Negotiation tips: how to deal with agents and compete with other buyers and save thousands on every purchase.
> Where do you invest first? It’s simpler than you realise to find great investment locations.
> The truth and traps with most “property hotspots”.
> Setting up your team of experts and who to avoid.
> How to find an a-grade property manager in an industry of full of average people.
Property Investment Finance Hints, Tips and StrategieMark Joncheff
Presented by one of Australia's leading financial experts and founder of Connective, Murray Lees will show you how you can potentially save thousands of dollars in interest repayments, minimise risk and ultimately build a successful and sustainable portfolio.
Jewel in the Crown: Signet Jewelers' Gem of an ESPP Communications PlanAndrea Huck-Esposito
Educating your participants on the merits of your plan can be challenging at times. Communication strategies for today's participants must be dynamic and as multifaceted as a princess-cut diamond. Browse this case study of Signet Jewelers' education and communication plan, and how it resulted in a record-breaking participation rate in their Employee Share Savings Plan. Discover how a great communications plan can help participants see what a treasure their ESPP is. This panel includes Matt Connor and June Davenport from Solium as well as Lynn Ahlers from Signet.
Australian small cap stocks can be a popular investment due to their higher growth potential over large cap stocks. If you’d like to gain exposure to small cap stocks, this webinar can teach you how to identify high-quality businesses that can last the distance.
Identify small cap stocks that will last the distancenetwealthInvest
Australian small cap stocks can be a popular investment due to their higher growth potential over large cap stocks. If you’d like to gain exposure to small cap stocks, this webinar by Aberdeen can teach you how to identify high-quality businesses that can last the distance.
This webinar shows you how you can use Real Estate Investar's all-in-one property investment platform to help build and manage your property investment portfolio.
You will learn how to
> Analyse your property investments: Create 10-year cash flow and capital growth forecasts.
> Do real time portfolio tracking: See market values, capital growth, equity, income, expenses and cash flow in real time.
> Integrate your data with Xero, the global leader in cloud accounting.
> Improve portfolio performance: Add thousands per year to your bottom line by easily monitoring and optimising the financial performance of each property.
> Instantly find property that matches your buying criteria with our unique investment focused search engine.
> Filter, search and analyse the listings from 40 plus sites nationally in one place.
> Accurately estimate the value of any residential property and view on the market and sales history for better negotiation.
> Analyse the investment performance trends of every suburb and complete your research with the latest data.
This new, educational webinar covers exactly how to get started with profitable property investment.
This webinar covers
> How do you balance buying for cashflow and capital growth?
> How to do a detailed investment property forecast in just 2 minutes.
> Finance: Making sense of LVR’s and DSR’s – what do they mean?
> 7 tips for increasing your borrowing ability.
> How do you work out the maximum you should pay?
> Why it's smart to buy at a $20k - $50k discount and create immediate equity.
> 11 things you can do to boost your rental income by $1,000 to $10,000 per year.
> How to pick properties that generate both positive cash flow and tax refunds.
> Negotiation tips: how to deal with agents and compete with other buyers and save thousands on every purchase.
> Where do you invest first? It’s simpler than you realise to find great investment locations.
> The truth and traps with most “property hotspots”.
> Setting up your team of experts and who to avoid.
> How to find an a-grade property manager in an industry of full of average people.
Property Investment Finance Hints, Tips and StrategieMark Joncheff
Presented by one of Australia's leading financial experts and founder of Connective, Murray Lees will show you how you can potentially save thousands of dollars in interest repayments, minimise risk and ultimately build a successful and sustainable portfolio.
Jewel in the Crown: Signet Jewelers' Gem of an ESPP Communications PlanAndrea Huck-Esposito
Educating your participants on the merits of your plan can be challenging at times. Communication strategies for today's participants must be dynamic and as multifaceted as a princess-cut diamond. Browse this case study of Signet Jewelers' education and communication plan, and how it resulted in a record-breaking participation rate in their Employee Share Savings Plan. Discover how a great communications plan can help participants see what a treasure their ESPP is. This panel includes Matt Connor and June Davenport from Solium as well as Lynn Ahlers from Signet.
Australian small cap stocks can be a popular investment due to their higher growth potential over large cap stocks. If you’d like to gain exposure to small cap stocks, this webinar can teach you how to identify high-quality businesses that can last the distance.
Identify small cap stocks that will last the distancenetwealthInvest
Australian small cap stocks can be a popular investment due to their higher growth potential over large cap stocks. If you’d like to gain exposure to small cap stocks, this webinar by Aberdeen can teach you how to identify high-quality businesses that can last the distance.
First of our 4 part series on using Self Managed Superannuation Funds as part of your Wealth and Retirement Planning.
this is the introduction to SMSF and why and how to use them as well as the respobsibilities and some tips and traps to avoidT
This presentation contains the latest property market data and statistics from the June 2018 quarter. To watch the full video recording, please visit:
https://blog.realestateinvestar.com.au/2018-property-market-update
West End Boutique Project Opportunity In Brisbane's Growth MarketReal Estate Investar
Learn how you can benefit from investing in the growing Brisbane market and maximise growth and yield potential through selecting and investing in boutique projects.
How To Perform In The Brisbane Market By Not Buying Brisbane CBDReal Estate Investar
Please join us for this brand new webinar as we discuss how you can benefit from investing in the growing Brisbane market while avoiding the risks from over-development and over-supply in cities like Brisbane CBD.
Investing In New Zealand Property Market For Australians Part 2Real Estate Investar
This new, educational webinar covers exactly how to invest successfully in the New Zealand market as a strategy along with the pitfalls to be aware of for Australian investors.
How to pick new duplex projects that deliver equity, growth and cashflowReal Estate Investar
Investing in new property projects is fraught with all sorts of challenges and risks. In this webinar you will learn how to create equity upfront, pick blue chip growth locations and generate excellent yields and cashflow with duplexes from day 1
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Avrupa Konutlari Yenimahalle - Listing TurkeyListing Turkey
Welcome to Avrupa Konutları Yenimahalle, where luxury living meets unparalleled convenience in the heart of Istanbul. Developed by Artaş Holding, one of Turkey’s leading construction companies, this prestigious residential project offers a contemporary lifestyle experience like no other.
https://listingturkey.com/property/avrupa-konutlari-yenimahalle/
Elegant Evergreen Homes - Luxury Apartments Redefining Comfort in Yelahanka, ...JagadishKR1
Experience unmatched luxury at Elegant Evergreen Homes, offering exquisite 2, 3, and 4 BHK apartments in the serene locality of Yelahanka, Bangalore. These meticulously crafted homes blend modern design with timeless elegance, providing a harmonious living environment. Enjoy top-tier amenities and a prime location, making Elegant Evergreen Homes the ideal choice for discerning homeowners.
Omaxe Sports City Dwarka stands out as a premier residential and recreational destination, offering a blend of luxury and sports-centric living. Located in the thriving area of Dwarka, this project by Omaxe Limited is designed to cater to modern lifestyle needs while promoting a healthy, active living environment.
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus o...Joseph Lewis Aguirre
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus on Public Safety as Job #1, Engagement, Wealth of HOA, Branding, Communication, Culture, Civic Responsibility
Green Homes, Islamabad Presentation .pdfticktoktips
Green Homes Islamabad offers beautifully designed 5, 8, and 10 Marla homes near the airport and motorway. Enjoy luxury, convenience, and high rental returns in a prime location.
Rixos Tersane Istanbul Residences Brochure_May2024_ENG.pdfListing Turkey
Tersane Suites Residences is a luxurious real estate project located in the heart of Istanbul, next to the beautiful Golden Horn. This unique development offers hotel concept residences with Rixos management, making it the perfect choice for both homeowners and investors.
The Tersane Suites Residences offers a wide range of options, from studio apartments to spacious four-bedroom units, all designed to the highest standard. The suites are finished with high-quality materials and feature modern, open-plan living spaces, fully-equipped kitchens, and large balconies with stunning views of the city and sea.
One of the standout features of Tersane Suites Residences is the Rixos management, which provides a truly exclusive and upscale living experience. Residents will have access to a range of luxury amenities, including a fitness center, spa, and indoor and outdoor swimming pools. Plus, the on-site restaurants and cafes provide a taste of the local and international cuisine.
The Tersane Suites Residences also offers a great opportunity for investors, as it provides a rental guarantee program. This means that investors can enjoy a steady income stream, with the peace of mind that their property is being managed by a reputable and experienced team.
The location of Tersane Suites Residences is also unbeatable, with easy access to the city’s main transportation links and within close proximity to the historic center, making it the perfect base for exploring all that Istanbul has to offer.
Brigade Insignia offers meticulously designed apartments with modern architecture and premium finishes. The project features spacious 3,3.5,4 and 5 BHK units, each thoughtfully planned to provide maximum comfort, natural light, and ventilation.
https://www.newprojectbangalore.com/brigade-insignia-yelahanka-bangalore.html
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
VISUALIZER
Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
MC Heights-Best Construction Company in jhanglaraibfatim009
MC Heights stands as the epitome of excellence in construction within Jhang. With a commitment to unparalleled quality and innovative design, MC Heights redefines urban living in the heart of Jhang. Offering luxurious residential spaces, cutting-edge commercial complexes, and vibrant community areas, MC Heights caters to the diverse needs of modern lifestyles. Our dedication to superior craftsmanship and customer satisfaction ensures that every aspect of MC Heights exceeds expectations, making it the premier choice for those seeking unparalleled sophistication and comfort in Jhang.
Keep Your Home Naturally Cool and Warm Out Change in Seasons
Vinra Construction is a private limited company registered under the ROC. The management has an experience of over 15 years of understanding the needs and delivering apt solutions to the end users We are providing turnkey solutions in construction fields. like Construction, Interior Designing Facility Management, Plantation Management, etc..
Vinra Construction Tech Enabled Company for Eco-Friendly Home Construction
Contact With Vinra for a Greener Future >>> Call us @ 888 4898 765
Flat available for sale
Location- Tupudana, Ranchi
Savitri enclave
Area- 3BHK
Rate- 4000/sq.ft.
Super Build Up Area-1629 sq.ft.
Build-up area-1253 sq.ft.
Rate- 65lakh16k(approx)
Floor available- Flat available in all floor(G+12)
Balcony- 2
Washroom- 2
Parking - CAR PARKING
Amenities- Joggers track,temple, children's park,gym,banquet hall (5 Lakh)
Possession year (Handover year)- Dec 2025
Outside View from the apartment and flat balcony is very beautiful.
For more information contact AASHIYANA STAR PROPERTIES
7766900371
Referans Bahcesehir which is being constructed, in the center of the most regional destination as Bahçeşehir, shines out with its central location and unique landscape including social facilities such as a fitness center, sauna, sports facilities, children’s playground and recreational areas.
Not only drawing attention for immediate surroundings including commercial centers and private schools but also providing the easily accessible location with closeness to Tem Highway and connection roads, ongoing construction of 3rd Bridge Connection roads and Metro Projects
Bahcesehir is a rising value in the great city of Istanbul… Located at a new transportation junction in the northwest of the City… Located at such a spot that the access roads for the 3rd bridge and for the 3rd Airport will reach the region in 2016. The Marmaray and the Subway will extend all the way to Referans Bahcesehir respectively in 2018 and 2019.
465 flats and 34 stores are designed with an outstanding approach and arranged with a unique perspective offering the following options: 1 plus 1, 2 plus 1, 3 plus 1, 3.5 plus 1, 4 plus 1, and 4.5 plus 1. It is planned so as to safeguard you and your loved ones based upon a modern, technological safety approach. As you experience the joy and luxury here, you will be content and feet at ease.
It is worth seeing both inside and outside with heart-warming cafes, tasty restaurants and elegant stores… And it is ready to offer a vivacious social life with a warm and cozy space design.
A folding swimming pool and indoor swimming pools, playgrounds, Turkish bath, sauna… It has them all. Everything you need for your well-being and for having a pleasant time will be at your service. You simply need to align the rhythm of life with the rhythm of Referans Bahcesehir.
https://listingturkey.com/property/referans-bahcesehir/
One FNG by Group 108 Sector 142 Noida Construction UpdateOne FNG
One FNG by Group 108 is launching a new commercial project in Sector 142 Noida. Office space and high street retail shops on the FNG and Noida Expressway. For more information visit the website https://www.onefng.com/
500 acres of brilliance await you here at Riverview City which offers modern living, effortless convenience, and a beautiful natural setting. It is a mega township by Magarpatta City in Loni Kalbhor, Pune. Enjoy easy access to work, schools, and fun while experiencing a perfect work-life balance.
Visit - magarpattacity.developerprojects.in
Lixin Azarmehr, a Los Angeles-based real estate development trailblazer, co-founded JL Real Estate Development (JL RED) in 2015 and serves as its CEO. Her expertise has propelled the firm to specialize in luxury residential and mixed-use commercial projects, with a portfolio that features upscale retail spaces and sophisticated care facilities.
Oeiras Tech City, Developed by RE Capital and REIG, Will Become Lisbon's Futu...Newman George Leech
Oeiras Tech City, a historic development in the Oeiras municipality of Lisbon, is acquired by RE Capital and REIG. It is located on a 93,000-square-meter plot of land and combines co-living, business, and residential areas. It highlights ESG principles and is close to Tagus Park, which improves the urban landscape of Lisbon.
Need MCA leads? No sweat! MCAs are great for small biz funding. Learn how to snag top-notch leads: businesses needing cash, with repayment ability, decision-makers, and accurate contacts. Use content, social ads, lead platforms, partnerships, and capture processes for quality leads.
https://www.leadgeneration.media/blog/b/streamline-your-mca-sales-process-with-pre-qualified-leads
5. Master class webinars
• Designed to share knowledge.
• Desire to provide extra value to our
clients.
• Great for both new and experienced
investors.
• Plenty of opportunity for Q&A.
• We will run these regularly
throughout the year, and sometimes
involve our partners to provide
additional insight.
6. Todays 9 topics
1. Demonstrating the enhanced
investment flexibility SMSF can
provide.
2. Explanation of the many
advantages of SMSF property
investing.
3. How to take control of your
investment mix inside of SMSF.
4. How SMSF gives you increased
estate planning benefits.
7. Todays 9 topics
5. Explanation of the many tax
advantages that can be gained
with a SMSF, both before and
after retirement.
6. Why pooling your resources with
family members can help you
reduce SMSF costs.
7. Limited recourse borrowing
arrangements (LRBA).
8. A realistic case study.
9. Why investing in property can be
a great strategy for your SMSF
and retirement planning.
8. Maximise audio quality
• Please ensure your speakers are on, volume is up and not on mute.
• You can test your audio in the control panel of the
Go To Meeting software, under audio preferences.
• If you can’t hear us yet, please ensure your speakers are on and
turned up.
• TURN OFF: Outlook, Skype, online back-ups and any music or video
downloads.
• Faster internet = better quality audio.
10. Anne Street Partners Pty Ltd. ABN 25 107 671 563
10
Material contained in this presentation is an overview only
and it should not be considered as a comprehensive
statement on any matter nor relied upon as such.
This presentation contains general information only and does
not take into account your personal objectives, financial
situation or needs and you should consider whether the
information is appropriate to you before acting on it. Both
superannuation and tax laws are complex and subject to
change. Before acting on any information you should consider
seeking advice from a financial adviser and your accountant
before making any financial decision in relation to any matters
discussed in this presentation.
11. Anne Street Partners Pty Ltd. ABN 25 107 671 563
11
Introducing Dean Rosario
Meet your presenter
• Dean has over seven years of hands-on
experience in the SMSF sector, particularly
within the area of limited recourse borrowing
arrangements.
• Dean is a Justice of the Peace, holds a
Bachelor of Banking & Finance Degree and
a Diploma of Financial Services.
• He is also a member of the SMSF
Association of Australia.
• A SMSF Trustee himself, Dean enjoys
providing assistance and direction to other
SMSF trustees.
12. Anne Street Partners Pty Ltd. ABN 25 107 671 563
12
Anne Street Partners
• Established 1997
• Privately owned – non bank aligned
• Broad range of financial solutions
• Nationwide footprint
• Experienced SMSF administrators
since 2008 – 700 funds under
administration
One of Australia’s leading wealth management organisations
13. Anne Street Partners Pty Ltd. ABN 25 107 671 563
13
What is a Self-Managed Super Fund?
• Self-Managed Superannuation Funds (SMSFs)
are financial vehicles for retirement savings.
• The difference between a SMSF and other
types of funds is that the members of a SMSF
are usually also the trustees.
This means the members of the SMSF run it
for their own benefit and are responsible for
complying with super and tax legislation.
14. Anne Street Partners Pty Ltd. ABN 25 107 671 563
14
What is a Self-Managed Super Fund?
• A super fund with up to 4 members
• All members are trustees or directors of
corporate trustee
• All trustees are members
• Regulated by the ATO
• No member of the fund is an employee of
another member (unless related)
• Trustee are not able to be remunerated for
their duties as trustees
15. Anne Street Partners Pty Ltd. ABN 25 107 671 563
15
Did you know?
• There are over 525,000 SMSFs in Australia
containing approximately 30% of the $2.05 trillion
held within superannuation.
• Over 1 million Australians have a SMSF and
embraced the vehicle as a useful tool to save for
their retirement
• In 1998 only 12% of Australia’s superannuation
wealth was contained within SMSFs compared to
more than 30% today.
16. Anne Street Partners Pty Ltd. ABN 25 107 671 563
16
Audience poll
What are your SMSF plans?
17. Anne Street Partners Pty Ltd. ABN 25 107 671 563
17
Why choose Self – Managed Super?
• Asset types
• Personal investment strategy
• Pooling of super funds – family/friends
• Limited recourse borrowing arrangements (LRBA)
• Tax planning
• Estate planning
• Acquisition of business premises
• Running cost / economy of scale
In a word - CONTROL
18. Anne Street Partners Pty Ltd. ABN 25 107 671 563
18
Important considerations
• Roles & responsibilities of trustee
• Existing insurance cover
• Allocation of time
• Outsourcing of services
• Minimum superannuation balance
• No access to Superannuation
Complaints Tribunal
• Living permanently overseas
19. Anne Street Partners Pty Ltd. ABN 25 107 671 563
19
Trustee responsibilities
• SMSF trustees have ultimate responsibility for the
operation, management and compliance of the fund
• The primary obligation is to ensure the fund is maintained
only for the purposes of providing retirement benefits to its
members
• This is the Sole Purpose test
20. Anne Street Partners Pty Ltd. ABN 25 107 671 563
20
Role of a trustee
• Act honestly in all matters concerning the
fund
• Exercise skill, care and diligence in
managing the fund
• Act in the best interest of the members
• Ensure members only access benefits
once condition of release is met
Trustees are required by law to:
21. Anne Street Partners Pty Ltd. ABN 25 107 671 563
21
Role of a trustee
• Ensure members’ personal monies are kept
separate from the funds
• Take appropriate action to protect the fund’s
assets
• Comply with all regulations under the
Superannuation Industry Supervision (SIS) Act
• Prepare, implement and regularly review a
fund investment strategy
Trustees are required by law to:
22. Anne Street Partners Pty Ltd. ABN 25 107 671 563
22
Role of an Administrator
• Acts as the tax agent for the fund and assists
with the annual compliance requirements
• Prepares annual tax return and financial
statements
• Lodges annual tax return with ATO
• Different levels of service offerings available
• Works with the Auditor to arrange the
completion of the annual audit
23. Anne Street Partners Pty Ltd. ABN 25 107 671 563
23
Role of an Auditor
• It is a formal requirement that each SMSF is
audited by an approved auditor, registered
with ASIC, on an annual basis
• Provide an independent audit of the fund’s
accounts along with a SIS compliance audit
• The auditor will notify the trustees of any
concerns raised during the audit. Depending
on the severity the auditor may be required to
raise an audit contravention report with the
regulator, the ATO, for further action
24. Anne Street Partners Pty Ltd. ABN 25 107 671 563
24
Role of an Adviser
• As a SMSF is a complex structure it is
imperative that the trustees form a close
relationship with a Financial Adviser for
ongoing education, guidance and advice
• For funds entering LRBAs many lenders
require the fund to obtain independent
financial advice
• Strategic planning for structure and
diversification
• Risk guidance
25. Anne Street Partners Pty Ltd. ABN 25 107 671 563
25
Tax considerations
• Generally, the superannuation environment is
subject to a concessional tax rate of 15%
– Negatively geared investments
– Fully franked dividends
– Discounted capital gains tax
– TTR strategies
• An SMSF trustee has control over the timing
of asset disposals and acquisitions which
allows the trustee to maximise the tax position
of the fund
26. Anne Street Partners Pty Ltd. ABN 25 107 671 563
26
Estate planning
• Ordinarily a super death benefit does not form
part of your estate
• Legislation only permits Super death benefits
to be paid to:
– Estate
– Spouse
– Child
– Any other person in interdependency
relationship
27. Anne Street Partners Pty Ltd. ABN 25 107 671 563
27
Estate planning
• Super dependent vs Tax dependent
• Check the trust deed
• Review estate plan regularly
• Inter-generational wealth transfer strategies
can be adopted using a SMSF
28. Anne Street Partners Pty Ltd. ABN 25 107 671 563
28
Timeframes in establishing a SMSF
30. Anne Street Partners Pty Ltd. ABN 25 107 671 563
30
Audience poll
What are the total fees
you are paying your
super funds each year?
31. Anne Street Partners Pty Ltd. ABN 25 107 671 563
31
What are the costs?
• Fund establishment with corporate trustee
• Security / borrowing trust with corporate
trustee
• Annual administration (depending on
complexity)
• Annual audit
• Annual ASIC fees (from 1st July 2015)
• Annual ATO Supervisory levy (existing fund)
$1,000 – 2,000
$1,000 – 5,000
$500
$46 - 246
$259
$2,000 – 4,000
Fee $
32. Anne Street Partners Pty Ltd. ABN 25 107 671 563
32
Winding up a SMSF
• Non compliance
• Separation of trustees
• Death of member(s)
• Insufficient balance
• Overseas retirement
34. Anne Street Partners Pty Ltd. ABN 25 107 671 563
34
Is a SMSF for everyone?
• Competence
• Commitment
• Compliance
35. Anne Street Partners Pty Ltd. ABN 25 107 671 563
35
Tips and traps
• Get advice
• Most common mistakes
relate to separation of
personal assets
• Working overseas
(SMSF residency)
• Keeping records
• Pensions
• Death benefit
nominations
• Beware of scams!
36. Anne Street Partners Pty Ltd. ABN 25 107 671 563
36
Limited recourse
borrowing
arrangements
37. Anne Street Partners Pty Ltd. ABN 25 107 671 563
37
Amendment to SIS Act
• Superannuation Industry Supervision (SIS) Act
amended in September 2007 (section 67A)
• Section 67A contains an exception for certain limited
recourse borrowing arrangements (LRBAs):
– Borrowing is for acquisition of single acquirable asset
– Acquirable asset is held on trust with trustee acquiring
beneficial interest
– Trustee has a right to acquire legal ownership after one or
more payments
– Upon default, lender’s rights are limited to rights relating to
the acquirable asset (personal guarantees)
38. Anne Street Partners Pty Ltd. ABN 25 107 671 563
38
Audience poll
How much super do you need
for a comfortable retirement?
40. Anne Street Partners Pty Ltd. ABN 25 107 671 563
40
Meet Tony & Karen
– Tony is 44, works full time on $155,000 p.a.
– Karen is 42, works part time on $45,000 p.a.
– They have two dependent children aged 16
and 13.
– They have a combined Super balance of
$205,000 across 5 Super funds.
They wish to invest in property however due to
both children being dependent they spend all of
their income on lifestyle commitments.
They are looking for an alternative way to invest
in property which does not impact their current
lifestyle.
41. Anne Street Partners Pty Ltd. ABN 25 107 671 563
41
Tony & Karen’s strategy
– Establish a SMSF
– Combine their existing super
balances in the SMSF
– Purchase a $460,000
apartment in Chermside,
Brisbane
– Obtain lending via a LRBA to
complete the purchase
43. Anne Street Partners Pty Ltd. ABN 25 107 671 563
43
The numbers
Tony & Karen’s SMSF property purchase
Purchase price $460,000
Stamp duty $14,525
Other purchase costs $5,000
Total Investment $479,525
Loan details
Principal & interest
Term 30 years
LVR 70%
Rental income (4.7% yield) $21,620
Interest rate 5% p.a
Monthly repayments $1,703
$322,000 from lender and $157,525 from SMSF
44. Anne Street Partners Pty Ltd. ABN 25 107 671 563
44
Property cash flow (simple)
Income
Gross rental income $21,620
Expenses
P&I Loan repayments $20,440
(Interest only portion $15,552)
Agent fees (8%) $1,730
Rates & Water $1,200
Body Corporate $3,000
Insurance/Other $1,000
Net property cash flow -$5,750
(Net property cash flow -$862 if interest only loan)
45. Anne Street Partners Pty Ltd. ABN 25 107 671 563
45
Tax Position of Fund
Income
Personal concessional contributions $19,000
Interest $997
Gross Rental Income $21,620
Gross Income $41,617
Less Expenses
Interest $15,552
Agents Fees $1,730
Rates / Water / Body Corporate $4,200
Administration / Audit / ATO / ASIC $3,051
Insurance (Personal & Property) $3,000
Borrowing Costs (Amortisation) $440
Depreciation - chattels $1,997
Depreciation - building Write Off $6,416
Total Expenses $36,386
Net Income $5,231
Tax Payable at 15% $785
46. Anne Street Partners Pty Ltd. ABN 25 107 671 563
46
SMSF cash flow (simple)
Income
Contributions $19,000
Interest income $997
Expenses
Net property cash flow ($5,750)
Personal Insurance ($2,000)
Administration & Audit ($2,500)
ASIC & ATO ($551)
Income Tax ($785)
Net SMSF cash flow $8,411*
(Net SMSF cash flow $13,299* if interest only loan)
*before depreciation
47. Anne Street Partners Pty Ltd. ABN 25 107 671 563
47
Surplus cash applied to loan
(Single property) – Freehold by year 17
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
YEARS
Loan Balance
$267.8k
$45.5k
$178.3k
49. Anne Street Partners Pty Ltd. ABN 25 107 671 563
49
Projected SMSF value
(Single property + cash)
0
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
1,800,000
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Years
Assumes surplus cash applied to loan
$380.8k
$1.58m
$1.03m
$654.9k
50. Anne Street Partners Pty Ltd. ABN 25 107 671 563
50
Go further – buy 3 properties
$2,329,980
Property 2
$750,000
Property 3
$1,000,000
$3,862,101
$1,579,596
$0
$500,000
$1,000,000
$1,500,000
$2,000,000
$2,500,000
$3,000,000
$3,500,000
$4,000,000
$4,500,000
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Net SMSF Value Property Value Loan Value
20 year result
Property 1
$460,000
51. Anne Street Partners Pty Ltd. ABN 25 107 671 563
51
Go further – buy 3 properties
• Value of 3 properties at year 20 $3.86m
• Loan balance on properties $1.58m
• Property equity $2.21m
• Less
– equity in SMSF at start $205k
– 20 year contributions (with 3% CPI)
$510k
• Equity growth through property (net of purchase costs) $1.49m
• Average annual capital growth over 20 years $74.7k
• Annual fund surplus cashflow by year 20
(excluding personal contributions) $50k p.a.
52. Anne Street Partners Pty Ltd. ABN 25 107 671 563
52
Audience poll
What is your current
combined super balance?
53. Anne Street Partners Pty Ltd. ABN 25 107 671 563
53
Benefits of strategy
• Ability to invest in direct property
• No financial impact on lifestyle
• Increase exposure to growth assets
• Control over investment choice
• Tax benefits to fund
54. Anne Street Partners Pty Ltd. ABN 25 107 671 563
54
Introducing Anne
Street Partners Super
Solutions
55. Anne Street Partners Pty Ltd. ABN 25 107 671 563
55
The Anne Street Partners Super Team
• Brisbane based team with over 40 years collective SMSF
experience
• Established 1st SMSF in 2008
• Developed SMSF trust deed suite in 2013
• Provides setup & administration services to 700+ funds
• Able to respond to ATO audits
56. Anne Street Partners Pty Ltd. ABN 25 107 671 563
56
Get your 45 min complimentary SMSF
phone consultation today
Reserve your opportunity at:
tinyurl.com/ASPSMSF4
submit your details and one of
our specialists will call you.
Register today and
receive your free
SMSF E-book
57. Anne Street Partners Pty Ltd. ABN 25 107 671 563
57
SMSF Q&A
Reserve your opportunity at:
tinyurl.com/ASPSMSF4
Register today and
receive your free
SMSF E-book