An SMSF can access a wider range of investments, but it must still have a documented strategy reflecting members’ objectives, risk profiles, liquidity needs and insurance considerations.
Newealth can help you decide whether an SMSF is best for you and design the investment and contribution strategy. We coordinate with your accountant, administrator and other specialists so you have a complete picture at every stage.
SMSFs can be suitable for individuals and families who value control, have sufficient balances to justify the cost and complexity, and are prepared to meet trustee responsibilities.
An SMSF is a private superannuation fund where you, as trustee or director of a corporate trustee, are responsible for managing the fund’s investments and complying with super and tax laws.
Subject to current rules, many clients use transition‑to‑retirement and flexible work patterns to phase into retirement while starting an income stream from their superannuation.
Retirement portfolios are structured to balance income needs, capital preservation and growth, often blending defensive assets for stability with growth assets to help combat inflation over time.
Depending on your circumstances, options may include account‑based pensions from super, allocated or fixed‑term annuities, investment income from non‑super portfolios and, where eligible, Age Pension support.
Newealth models your projected retirement income and capital using assumed returns, inflation and spending needs. We adjust strategies to improve the likelihood your funds last throughout retirement, giving you control over your retirement planning.
A retirement strategy is part of your holistic financial plan and includes superannuation, investments, debt, insurance and estate planning. With an effective strategy, you can transition from earning an income to drawing one, ideally starting years before you retire.
Super normally sits in a trust and does not automatically form part of your estate, so appropriate death benefit nominations and coordination with your broader estate plan are essential.
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Level 10, 276 Pitt Street
Sydney NSW 2000
P: +61 2 9267 2322
General Advice Warning: The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.
Newealth Pty Ltd | AFSL No: 231297 | ABN: 61 091 100 275