Over the past decade, the superannuation landscape has evolved significantly. More Australians are moving away from traditional retail and industry super funds in favour of Self-Managed Super Funds (SMSFs), offering greater flexibility, control, and investment choices.
At Enhance Financial Partners, we specialize in helping individuals take charge of their retirement savings with expert SMSF advice. Our dedicated accountants and SMSF Association Specialist, will guide you through the process of setting up and managing your fund, ensuring compliance with all regulatory requirements while maximising your investment potential.
An SMSF can be a powerful tool for securing your financial future, but it’s not the right fit for everyone. Managing your own superannuation requires time, knowledge, and a strategic approach to investing. Our team will help you assess whether an SMSF aligns with your financial goals and provide tailored advice on structuring and maintaining your fund.
With an SMSF, you make the investment decisions. Unlike traditional super funds, which limit your choices, an SMSF allows you to tailor your portfolio to suit your investment strategy. You can invest in a diverse range of assets, including Term Deposits, Australian and International Shares, Residential and Commercial Property, Managed Funds, Collectables and Cryptocurrency.
Retail and industry super funds often require separate accounts for accumulation and pension phases. With an SMSF, you can manage both within the same fund, streamlining your superannuation and making contributions and withdrawals easier to manage.
An SMSF allows you to consolidate up to six members’ superannuation balances into a single fund, providing greater financial synergy and cost efficiencies. This is an excellent strategy for families looking to manage their super collectively while reducing individual costs.
SMSFs provide unparalleled flexibility in structuring your super and adjusting your investment strategies as market conditions change. You also gain full transparency over your investments, helping you stay informed and in control of your financial future.
You can contribute certain assets—such as shares, managed funds, and commercial property—directly into your SMSF through in-specie contributions. This approach allows you to consolidate wealth under a tax-efficient structure. However, it’s important to consider potential tax implications and capital gains tax liabilities before making these transfers.
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