Considering a Self Managed Super Fund or reviewing an existing SMSF? We provide financial advice on whether an SMSF may be appropriate, its investment strategy and how it fits within your broader retirement and Wealth Management plans.
A Self Managed Super Fund can provide greater control over how your retirement savings are invested, but it also places important responsibilities on the trustees.
An SMSF is not appropriate for everyone. Before recommending one, we consider your financial position, retirement goals, investment needs, expected costs, the level of control you are seeking and your willingness to take on trustee responsibilities.
If an SMSF is appropriate, the investment strategy should be built around the fund’s members and their retirement objectives. Trustees remain responsible for the fund and for ensuring it operates in accordance with superannuation and tax law.
Private Capital Management provides financial advice on SMSF suitability, investment strategy and investments. We can also assist with establishing and administering your Self Managed Super Fund as part of our service. Accounting and audit requirements are coordinated and facilitated through appropriately qualified professionals, providing a more streamlined approach without requiring you to source these services separately.
Assess whether an SMSF is appropriate for your circumstances, retirement objectives, investment needs and desired level of involvement.
Where a Self Managed Super Fund is appropriate, we can help establish the SMSF and coordinate its ongoing administration, accounting and audit through a centralised platform. This allows the fund's financial advice, investment strategy and ongoing administration to be managed through a more coordinated process.
Ongoing SMSF administration, accounting and audit are coordinated through a centralised platform. This means clients do not need to independently find and coordinate separate providers for these core SMSF requirements.
Develop advice around the fund's investment strategy, including diversification, investment risk, expected returns, liquidity and the ability to meet expenses and member benefits.
Consider investments that are consistent with the agreed strategy, the fund's trust deed and applicable superannuation rules.
Consider how contributions, accumulation and future retirement income may fit within the broader SMSF and retirement strategy, subject to the applicable superannuation rules.
Review the investment strategy and portfolio as member circumstances, retirement objectives, markets and relevant rules change.
All members of an SMSF are generally trustees or directors of the corporate trustee and share responsibility for the fund.
Trustees are responsible for ensuring the fund complies with superannuation and tax law, follows its trust deed and investment strategy, maintains appropriate records and completes required reporting and audit obligations.
The fund's investments must be consistent with its investment strategy and relevant superannuation rules. Trustees also need to consider matters such as diversification, liquidity, risk, expected returns and the fund's ability to meet expenses and member benefits.
Professional advisers can assist with different aspects of an SMSF, but engaging advisers does not transfer the trustee's legal responsibilities.
An SMSF must have an investment strategy before it begins making investments, and the strategy should be reviewed regularly.
The strategy should reflect the circumstances of the fund and its members. This includes considering investment risk and expected return, diversification, liquidity, the fund's ability to meet expenses and benefits, and the needs and circumstances of members.
We can provide financial advice on the investment strategy and portfolio. The trustees remain responsible for the fund's investment decisions and for ensuring investments comply with the trust deed and superannuation law.
Borrowing within a Self Managed Super Fund is subject to specific rules and should be considered in the context of the fund's investment strategy, liquidity, risk and retirement objectives.
Where appropriate, we can work with clients on borrowing strategies for investments within an SMSF, including borrowing for equities. Any borrowing strategy must be assessed against the fund's circumstances, investment strategy and the applicable superannuation, lending and regulatory requirements.
Where property or other borrowing structures require specialist legal, tax or lending input, we can coordinate with the relevant professionals as part of the broader advice process.
Not necessarily. Whether an SMSF is appropriate depends on your financial position, retirement goals, investment needs, expected costs, the level of control you want and your willingness to take on trustee responsibilities. We assess these factors before recommending an SMSF.
Trustees are responsible for the fund and for meeting its superannuation and tax obligations. This includes following the trust deed and investment strategy, maintaining records, arranging the annual audit and meeting reporting requirements. Professional advisers can assist, but the legal responsibility remains with the trustees.
Yes. An SMSF must have an investment strategy before it starts making investments. The strategy should reflect the fund and its members and consider matters including diversification, investment risk and expected return, liquidity and the ability to meet expenses and member benefits. It should also be reviewed regularly.
SMSF borrowing is restricted. A limited recourse borrowing arrangement may be available in specific circumstances, but the structure is subject to detailed rules and additional legal, lending and compliance considerations. Whether borrowing is appropriate should be assessed against the fund's investment strategy and financial position.
Yes. Where appropriate, we can work with clients on borrowing strategies for investments within an SMSF, including borrowing for equities. The suitability of borrowing depends on the fund's financial position, investment strategy, liquidity, risk profile and the applicable rules and lending requirements.
Yes. We can review an existing SMSF from a financial advice perspective, including its investment strategy, portfolio and how it fits within your broader retirement and Wealth Management plans. Legal matters may require separate specialist advice.
Yes. Private Capital Management can help set up and administer a Self Managed Super Fund as part of our Wealth Management service. Administration, accounting and audit are coordinated through a centralised platform, so you do not need to find and manage these providers yourself. We can also provide financial advice on the fund's investment strategy, investments and how the SMSF fits within your broader retirement and Wealth Management plans.
Private Capital Management provides SMSF and Wealth Management advice from Level 26, 1 Bligh Street in the Sydney CBD. We work with clients across Sydney and elsewhere in Australia, with meetings available in person by appointment or by video.
Licensed and Accredited
AFSL 342880
Authorised Representative 1239545
ASIC
Qualified Tax Relevant Provider, Nathan Ide
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