Self Managed Superannuation Fund investment strategy workbook

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Self Managed Superannuation Fund investment strategy workbook"

Transcription

1 Self Managed Superannuation Fund investment strategy workbook Issue Number 2 June 2013 Prepared for Prepared by

2 Contents Page Fund s Details 3 Member Details 6 Current SMSF s Assets and Liabilities 14 Investment Objectives 15 Investment Strategy 16 Investment Strategy Summary 17 Trustee Acknowledgement 18 Superannuation legislation requires that Self-Managed Superannuation Funds (SMSFs or Fund ) have an appropriate investment strategy, which must be formulated and documented. The purpose of this SMSF Investment Strategy Workbook is to help the trustee(s) of a SMSF apply fi nancial planning techniques to develop or review the Fund s investment portfolio and ensure an appropriate investment strategy is implemented. It is designed to assist the trustee(s) in satisfying regulatory requirements of the Superannuation Industry (Supervision) Act 1993 (Cth) and Regulations (SIS). Completion of this document alone should not be viewed as constituting a valid investment strategy. The trustee(s) of the fund need to consider and decide the investment strategy of the fund. For existing Funds it may be that little or no change to the current investment strategy is required, although application by the trustee(s) of the fi nancial planning techniques referred to in this workbook, could suggest future contributions and income be directed to a particular asset class. For new Funds applying these techniques, the recommended investment strategy should only be adopted after consideration and ratifi cation by the trustee(s) of the Fund. This SMSF Investment Strategy Workbook is not designed to consider or identify the fi nancial planning needs of the underlying members of a SMSF. The separate Asset Allocation Strategy Workbook and Financial Planning Questionnaire should be completed prior to this workbook where individual member needs are to be considered. This is an important and confi dential document. The information you have provided within this document forms the basis of any advice given by your Financial Adviser. Please note, it may be necessary to ask additional questions to identify your needs, objectives and fi nancial situation. 2 SMSF Investment Strategy Workbook

3 Fund Details All clients need to complete this section. General Information Name of the Fund Contact name Phone number Facsimile number address Fund commencement date Current number of members Fund type: Employer Sponsored Personal Fund Pension If Employer Sponsored: Employer s name Phone number Facsimile number address Can this Fund pay a pension? If yes, state the type of pension (eg Complying/Account Based/TTR) Accumulation Fund Details Pension Fund Details Last Recorded Total Fund Asset Value Date of last Valuation Is the Fund a complying Fund? Is insurance cover provided for each member? (If yes, please complete insurance details on pages 7 13.) For existing Funds when was the Fund s trust deed last reviewed or amended? SMSF Investment Strategy Workbook 3

4 Trustee details Individuals/Corporate Trustee/Director 1 Name Contact phone number/ address Member of Fund? Trustee declaration completed? Trustee/Director 2 Name Contact phone number/ address Member of Fund? Trustee declaration completed? Trustee/Director 3 Name Contact phone number/ address Member of Fund? Trustee declaration completed? Trustee/Director 4 Name Contact phone number/ address Member of Fund? Trustee declaration completed? 4 SMSF Investment Strategy Workbook

5 Trustee details Corporate Name of the company Contact name Phone Facsimile number address Administrator details (if applicable) Business name Contact name Phone Facsimile number address Accountant details (if applicable) Business name Contact name Phone Facsimile number address Auditor details Business name Contact name Phone Facsimile number address SMSF Investment Strategy Workbook 5

6 Member Details. 1 All clients need to complete this section. te: This workbook is not designed to consider or identify the fi nancial planning needs of the underlying members for this SMSF. A separate Asset Allocation Strategy Workbook and Financial Planning Questionnaire should be completed prior to this workbook where individual member fi nancial planning needs are to be considered. Title (eg. Dr, Mr, Mrs, Ms, Miss) Surname Given names Phone Facsimile number address Date of birth Sex Male Female Date joined employer Annual salary $ Date joined Fund Superannuation/Pension details Type Account balance at last member statement N/A $ Accumulation Fund Details Pension Fund Details Complying Account Based TTR Date of last member statement Preserved component of this balance $ N/A Concessional $ n-concessional $ minated beneficiaries Name Relationship Allocation Binding? 6 SMSF Investment Strategy Workbook

7 Insurance details Please complete this section or tick the relevant box t applicable t disclosed Provider Type of Insurance Cover Level Annual Premium TPD Definition Own/ Any/Home Duties/General Retain Life Truma TPD Income Protection Overview of Personal Assets and Liabilities outside the Fund Assets Amount Liabilities Amount Total $ Total $ te: The personal asset position of the member may infl uence the strategy within the superannuation Fund. Relationship (if any) to other members Member 2 Member 3 Member 4 SMSF Investment Strategy Workbook 7

8 Member Details. 2 te: This workbook is not designed to consider or identify the fi nancial planning needs of the underlying members for this SMSF. A separate Asset Allocation Strategy Workbook and Financial Planning Questionnaire should be completed prior to this workbook where individual member fi nancial planning needs are to be considered. Title (eg. Dr, Mr, Mrs, Ms, Miss) Surname Given names Phone Facsimile number address Date of birth Sex Male Female Date joined employer Annual salary $ Date joined Fund Superannuation/Pension details Accumulation Fund Details Type N/A Account balance at last member statement $ Pension Fund Details Complying Account Based TTR Date of last member statement Preserved component of this balance $ N/A Concessional $ n-concessional $ minated beneficiaries Name Relationship Allocation Binding? 8 SMSF Investment Strategy Workbook

9 Insurance details Please complete this section or tick the relevant box t applicable t disclosed Provider Type of Insurance Cover Level Annual Premium TPD Definition Own/ Any/Home Duties/General Retain Life Truma TPD Income Protection Overview of Personal Assets and Liabilities outside the Fund Assets Amount Liabilities Amount Total $ Total $ te: The personal asset position of the member may infl uence the strategy within the superannuation Fund. Relationship (if any) to other members Member 1 Member 3 Member 4 SMSF Investment Strategy Workbook 9

10 Member Details. 3 te: This workbook is not designed to consider or identify the fi nancial planning needs of the underlying members for this SMSF. A separate Asset Allocation Strategy Workbook and Financial Planning Questionnaire should be completed prior to this workbook where individual member fi nancial planning needs are to be considered. Title (eg. Dr, Mr, Mrs, Ms, Miss) Surname Given names Phone Facsimile number address Date of birth Sex Male Female Date joined employer Annual salary $ Date joined Fund Superannuation/Pension details Accumulation Fund Details Type N/A Account balance at last member statement $ Pension Fund Details Complying Account Based TTR Date of last member statement Preserved component of this balance $ N/A Concessional $ n-concessional $ minated beneficiaries Name Relationship Allocation Binding? 10 SMSF Investment Strategy Workbook

11 Insurance details Please complete this section or tick the relevant box t applicable t disclosed Provider Type of Insurance Cover Level Annual Premium TPD Definition Own/ Any/Home Duties/General Retain Life Truma TPD Income Protection Overview of Personal Assets and Liabilities outside the Fund Assets Amount Liabilities Amount Total $ Total $ te: The personal asset position of the member may infl uence the strategy within the superannuation Fund. Relationship (if any) to other members Member 1 Member 2 Member 4 SMSF Investment Strategy Workbook 11

12 Member Details. 4 te: This workbook is not designed to consider or identify the fi nancial planning needs of the underlying members for this SMSF. A separate Asset Allocation Strategy Workbook and Financial Planning Questionnaire should be completed prior to this workbook where individual member fi nancial planning needs are to be considered. Title (eg. Dr, Mr, Mrs, Ms, Miss) Surname Given names Phone Facsimile number address Date of birth Sex Male Female Date joined employer Annual salary $ Date joined Fund Superannuation/Pension details Accumulation Fund Details Type N/A Account balance at last member statement $ Pension Fund Details Complying Account Based TTR Date of last member statement Preserved component of this balance $ N/A Concessional $ n-concessional $ minated beneficiaries Name Relationship Allocation Binding? 12 SMSF Investment Strategy Workbook

13 Insurance details Please complete this section or tick the relevant box t applicable t disclosed Provider Type of Insurance Cover Level Annual Premium TPD Definition Own/ Any/Home Duties/General Retain Life Truma TPD Income Protection Overview of Personal Assets and Liabilities outside the Fund Assets Amount Liabilities Amount Total $ Total $ te: The personal asset position of the member may infl uence the strategy within the superannuation Fund. Relationship (if any) to other members Member 1 Member 2 Member 3 SMSF Investment Strategy Workbook 13

14 Current SMSF Assets and Liabilities All clients need to complete this section. Current Investments as at n-geared investments Geared investments Description Direct Investments (eg property/ shares) ($) Cash Managed Funds ($) Sub Total ($) Description Gross Value ($) Debt ($) Net Value ($) LVR (%) Sub Total ($) Total ($) Fixed Interest Property Australian Shares International Shares Multi-Sector Total Cashflow Type Last year Current year Next year Investment income received $ Contributions received $ Benefi ts paid $ Benefi ts paid $ te: Further details of the Fund s assets, cash fl ow and contributions are in the attached (tick as appropriate): Investment report Superannuation statements Fund s tax return Other (specify) 14 SMSF Investment Strategy Workbook

15 Investment Objectives All clients need to complete this section. Investment Objectives are the stated, desired outcomes the portfolio of assets should achieve for your Fund. At a minimum it should state the expected range of investment returns for a given level of risk over a set timeframe. An example of a Fund s objective could be: The investment objective of the trustee is to achieve a moderate to high level of return (1% 3% above infl ation over a fi ve-year period or longer) and to diversify investments such that a capital loss over any three-year period is unlikely. Please state in the space provided below the Fund s objectives (i.e. the overall intention or purpose of investing the assets of the Fund). Important: The Fund s objective must be minuted within the Fund s administration documentation. SMSF Investment Strategy Workbook 15

16 Investment Strategy All clients need to complete this section. An Investment Strategy is the plan to follow to achieve the objectives of the Fund. It should relate to the classes of assets required to achieve these objectives, rather than individual investments. Where individual members of the Fund have different objectives, the investment strategy should refl ect those differences through an acceptable combined strategy of individual investment strategies. According to Regulation 4.09 of SIS, an appropriate investment strategy MUST be formulated and implemented by the trustee. Failure to do so may result in the Fund losing its complying status and tax concessions, while incurring monetary and punitive penalties, including possible jail terms. Regulation 4.09 states that, when formulating an investment strategy, the trustee(s) must take into consideration the following factors: The likely risks and returns of different assets classes; The need to spread risk by having an appropriate range or diversity of classes; and The Fund continuing to be in a position to pay benefi ts to members as they fall due (ie. liquidity of assets). An example of an investment strategy is: It was resolved that in pursuit of the Fund s objectives, the trustee has/trustees have determined the following investment strategy. te: That more than one investment strategy may be appropriate where different Fund members have different objectives. Asset Class Allocation Rate (%) Benchmark (%) Australian Cash Diversifi ed fi xed interest* Australian shares International shares Property Alternatives 0 0 * Includes investments such as: Australian fi xed interest, international fi xed interest, investment and non-investment grade credit and high yield debt. ** Includes but it is not limited to investments such as: hedge Funds, Fund of Fund hedge Funds, private equity, direct infrastructure, derivative based Funds, currency and commodity Funds.What is the Fund s current investment strategy? 16 SMSF Investment Strategy Workbook

17 Investment Strategy Summary Step 1. You should now complete the Asset Allocation Strategy Workbook for each member of the Fund to determine their preferred Risk Profi le. After completion, you need to determine the appropriate asset allocation to recommend, based on whether or not the SMSF segregates the assets per member or if all the assets are pooled. Step 2. Transfer your recommended asset allocation below. Step 3. Determine the variance for each asset class. Step 4. Determine and document how the recommended investment strategy will be achieved. (See important notes below.) Step 5. Prepare an investment strategy report for trustee(s) based on step 4. te: For new Funds commenced with 100% cash, the recommended strategy can be adopted after consideration and ratifi cation by the trustee(s) of the Fund. Asset Sector Current Allocation Recommended allocation Variance in allocation Cash $ % $ % $ % Diversifi ed fi xed interest $ % $ % $ % Australian shares $ % $ % $ % International shares $ % $ % $ % Property $ % $ % $ % Alternatives $ % $ % $ % Important notes If the recommended strategy requires a restructure of existing investments to achieve the recommended asset allocation, then consideration is required as to how this will occur. For example: Is the trustee/are the trustees happy to sell existing investments to achieve the recommended asset allocation? If not, the recommended asset allocation may have to be developed over time. This can be achieved by directing future contributions and income to the asset classes under the variance allocation percentage. How will the recommended risk profile asset allocation be achieved and when? By restructuring assets? By selling current assets? By directing future contributions and income? SMSF Investment Strategy Workbook 17

18 Authorisation Trustee acknowledgement and engagement authority Subject matter At our meeting, we discussed the goals you, as Trustee(s), are seeking to achieve and the strategy for reaching these goals. As part of the process we discussed the Fund s needs, objectives and fi nancial situation and agreed on the following: Scope of advice After identifying the subject matter above we agreed to cover the following areas of advice, as relevant to the Fund s circumstances, within an appropriate advice document: Where the advice is limited, please state reasons for the limitation: The following matters will not be included as part of the advice document preparation at this time: 18 SMSF Investment Strategy Workbook

19 Trustee acknowledgement and engagement authority I/We request that you provide fi nancial advice based on the information disclosed and acknowledge that you will rely on the information contained in this document. I/We have informed you if any of the funds available for investment have been borrowed from any source related or unrelated to the advice sought (eg. home equity loan, margin loan, credit card etc.) I/We acknowledge that if I/we provided any incomplete or inaccurate information that I/we carefully consider the appropriateness of the advice according to the Fund s objectivess, before acting on any advice provided. I/We acknowledge that you will charge a plan preparation fee of $ and on completing the written advice authorise the payment of this fee by: (GST inclusive) for the written advice Debiting my bank account (where fees are paid via direct debit please complete a direct debit authority form) Banking the attached cheque (Please make cheque payable to Sterling Private Wealth) Other (Please specify):. I/We and confi rm that: I/We have received a copy of the Magnitude Financial Services Guide Part 1 Version, dated and Part 2 Version, dated at (or prior to) the fi rst interview and have read and understood it, including the section titled Privacy ment. I/We agree to Magnitude collecting, using and disclosing my/our personal information in accordance with the Privacy Policy. I/we will inform any other individual, such as members, that I/we have provided information about them and make them aware of the information provided in the Privacy Policy. Trustee/Director 1 Name Trustee/Director Signature Date Trustee/Director 2 Name Trustee/Director Signature Date Trustee/Director 3 Name Trustee/Director Signature Date Trustee/Director 4 Name Trustee/Director Signature Date SMSF Investment Strategy Workbook 19

20 Contact Sterling Private Wealth for further information on or visit Magnitude Group Pty Ltd ABN , AFSL and Australian Credit License number The investment strategy of a Self Managed Superannuation Fund is the responsibility of the trustee(s) of the Fund. This workbook is designed to help the trustee(s) formulate an appropriate investment strategy for their Fund. However, the strategies formulated are based on the information provided by the trustee(s) and the decisions of the trustee(s) (and not Magnitude). To the maximum extent permitted by law: (a) no guarantee, representation or warranty is given that any information or advice in this workbook (including, without limitation, in relation to the legal obligations of a trustee of a Self Managed Super Fund and fi nancial planning techniques) is complete, accurate, up to date or fi t for any purpose; and (b) either Magnitude or its representatives is in any way liable (including for negligence) to the reader, a trustee or any other person in respect of any reliance upon such information or advice. Legislative and economic factors relevant to superannuation change often and trustee(s) should review their Fund s investment strategy on a regular basis to ensure that the Fund s investment objectives are met. MC13725B-0413lc

Self Managed Superannuation Fund Investment Strategy Workbook x

Self Managed Superannuation Fund Investment Strategy Workbook x Self Managed Superannuation Fund Investment Strategy Workbook x Issue Number 3 November 2015 Prepared for Adviser name Contents Investment Objectives 2 Investment Strategy 3 Investment Strategy Summary

More information

Investment Strategy Workbook

Investment Strategy Workbook Self Managed Super Fund Investment Strategy Workbook Prepared for Securitor Financial Group Ltd ABN 48 009 189 495 (Securitor) Licensed Dealer in Securities Securitor Financial Group Ltd ABN 48 009 189

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Financial Planning Questionnaire Issue Number 3 June 2014 Prepared for Adviser Name Contents Personal Details 3 Lifestyle and Financial Goals 5 Investment Preferences 7 Income and Expenses 8 Social Security

More information

SMSF Financial Needs Analyser

SMSF Financial Needs Analyser SMSF Financial Needs Analyser To have a complete Statement of Advice prepared for you, you need to provide full details of your financial position to your Count adviser. If you require only restricted

More information

A Financial Planning Technical Guide

A Financial Planning Technical Guide Self Managed Superannuation Funds A Financial Planning Technical Guide Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 Contents What is a self managed superannuation fund (SMSF)? 1 What

More information

Insurance Personal Questionnaire

Insurance Personal Questionnaire Insurance Personal Questionnaire Name of Client 1: Name of Client 2: This section is completed by your Adviser Adviser Name: Adviser Code: Interview Date: FSG Version Number Provided: Adviser Profile Number

More information

Self managed superannuation funds. A Financial Planning Technical Guide

Self managed superannuation funds. A Financial Planning Technical Guide Self managed superannuation funds A Financial Planning Technical Guide 2 Self managed superannuation funds What is a self managed 4 superannuation fund (SMSF)? What are the benefits? 4 What are the risks?

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Financial Planning Questionnaire Issue Number 1 March 2012 Prepared for Adviser Name Contents Personal Details 3 Lifestyle and Financial Goals 5 Investment Preferences 7 Income and Expenses 8 Social Security

More information

Macquarie Mortgages Application for Finance

Macquarie Mortgages Application for Finance Macquarie Mortgages Application for Finance New application (stand-alone deal) Variation Principal increase Personal Details Applicant 1 Personal Details Applicant 2 Borrower Guarantor (please tick one

More information

PRIVATE WEALTH. Client Questionnaire and Risk Profile

PRIVATE WEALTH. Client Questionnaire and Risk Profile PRIVATE WEALTH Questionnaire and Risk Profile Important Notice to The Australian Corporations Act (2001) requires that an Adviser making personal advice recommendations must have reasonable grounds for

More information

Withdrawals. 1. Investor details

Withdrawals. 1. Investor details MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1,

More information

Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account.

Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. RED SECTIONS FOR YOUR INFORMATION GREY SECTIONS TO FILL OUT INVESTMENT CHOICE

More information

Taking control of your superannuation. Good SMSF Advice helps business owners achieve their goals.

Taking control of your superannuation. Good SMSF Advice helps business owners achieve their goals. Taking control of your superannuation Good SMSF Advice helps business owners achieve their goals. Are you in the right superannuation structure? Many Australians outsource the management of their superannuation

More information

PERSONAL SUPERANNUATION SOLUTIONS.

PERSONAL SUPERANNUATION SOLUTIONS. PERSONAL SUPERANNUATION SOLUTIONS. Information Booklet for self-managed super fund services Updated June 2014 CONTENTS. INTRODUCTION 3 WHO IS INVOLVED 4 MANAGING YOUR FUND 9 RISKS 11 FEES AND OTHER COSTS

More information

Make a lump sum withdrawal or rollover For a transition to retirement income stream

Make a lump sum withdrawal or rollover For a transition to retirement income stream CSC retirement income RI04 04/13 Make a lump sum withdrawal or rollover For a transition to retirement income stream Use this form if you have a transition to retirement income stream and wish to > > make

More information

Mercer Self-Managed Super Service Application form

Mercer Self-Managed Super Service Application form Mercer Self-Managed Super Service Application form Please print in black or blue pen, in uppercase, one character per box. A Important information regarding completion of this form Establishing a self-managed

More information

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

GUIDANCE NOTE - SMSFS & PROPERTY

GUIDANCE NOTE - SMSFS & PROPERTY GUIDANCE NOTE - SMSFS & PROPERTY GUIDANCE FOR CPA AUSTRALIA PUBLIC PRACTITIONERS FINANCIAL ADVISORY SERVICES The decision to establish a self-managed super fund (SMSF) requires careful consideration. While

More information

THE SMSF ESSENTIALS GUIDE. The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund

THE SMSF ESSENTIALS GUIDE. The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund THE SMSF ESSENTIALS GUIDE The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund DISCLAIMER The purpose of this e-book is to provide information and

More information

Self-Managed Superannuation Fund (SMSF) Application

Self-Managed Superannuation Fund (SMSF) Application Self-Managed Superannuation Fund (SMSF) Application Section 1 Applicant of Self-Managed Superannuation Fund SMSF ABN Please provide a certified copy of your Self-Managed Superannuation Fund Trust Deed.

More information

Self Managed Super Fund Service

Self Managed Super Fund Service Self Managed Super Fund Service Product Disclosure Statement Issued by the trustees Issue date: 15 April 2010 Prepared by Smartsuper Pty Ltd ABN 47 003 822 339 AFS Licence 247120 PO Box 529 North Sydney

More information

The benefits of insuring through super. Macquarie Life

The benefits of insuring through super. Macquarie Life The benefits of insuring through super Macquarie Life While your clients are accumulating wealth, they also need to ensure adequate insurance cover is in place so they and their families are looked after

More information

Understanding gearing Version 5.0

Understanding gearing Version 5.0 Understanding gearing Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to gearing. This document has

More information

2015 Product Disclosure Statement

2015 Product Disclosure Statement 2015 Product Disclosure Statement Personal Division Issued 1 November 2015 Contents 1. About NSF Super 2. How super works 3. Benefits of investing with NSF Super 4. Risks of super 5. How we invest your

More information

SMSF Trustee Companion

SMSF Trustee Companion If you are thinking about setting up a SMSF, there are a number of decisions you will need to make regarding the structure, operation and management of your fund. To help you understand the process and

More information

Australian Equities Index Fund

Australian Equities Index Fund Contents Page 1. About netwealth 2 2. How the Fund works 2 3. Benefits of investing in the Fund 4 4. Risks of managed investment schemes 4 5. How we invest your money 5 6. Fees and costs 6 7. How managed

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

ESTABLISHING AN SMSF STEPS INVOLVED AND ISSUES TO BE CONSIDERED

ESTABLISHING AN SMSF STEPS INVOLVED AND ISSUES TO BE CONSIDERED Individuals face a number of considerations in deciding to establish a Self Managed Superannuation Fund (SMSF). This article considers some of those considerations and outlines some of the steps involved.

More information

Client Needs Analysis

Client Needs Analysis Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):

More information

Transferring your insurance cover into JR Super

Transferring your insurance cover into JR Super The JR Superannuation Fund is a division of IOOF Employer Super. IOOF Employer Super is one of many products and services offered by the IOOF group. Transferring your insurance cover into JR Super If you

More information

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM www.jaswealth.com.au Superannuation 101 Everything you always wanted to know but were too afraid to ask What is Superannuation? Superannuation 101 Contents What

More information

Employee Super Transfer authority

Employee Super Transfer authority Employee Super Transfer authority Use this form when you wish to transfer benefits from another superannuation fund into your Asgard Employee Super Account. Please complete this Transfer authority in BLOCK

More information

Self Managed Super Funds

Self Managed Super Funds a guide to Self Managed Super Funds a guide to Self Managed Super Funds 1 disclaimer This ebook has been prepared by EJM Financial Services in conjunction with AMP Financial Planning Pty Limited, ABN 89

More information

Important information:

Important information: SMSF insurance Important information: This document has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA).

More information

Understanding Self Managed Superannuation Funds Version 5.0

Understanding Self Managed Superannuation Funds Version 5.0 Understanding Self Managed Superannuation Funds Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits

More information

Application Form and Rollover Form

Application Form and Rollover Form Super Division Application Form and Rollover Form Version 21, Issued 1 July 2016 EXCEPTIONAL BENEFITS! Only Water Corporation employees have access to our super fund. So join today and don t miss this

More information

PRODUCT DISCLOSURE STATEMENT. 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376

PRODUCT DISCLOSURE STATEMENT. 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376 PRODUCT DISCLOSURE STATEMENT 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376 SMSF Product Disclosure Statement CONTENTS SMSF Product Disclosure

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement Prepared and issued 15 June 2015 CONTENTS 1. About QIEC Super 2. How super works 3. Benefits of investing with QIEC Super 4. Risks of super 5. How we invest your money 6. Fees

More information

Is your. potential? Right Strategy.

Is your. potential? Right Strategy. Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make

More information

The ins and outs of self-managed super

The ins and outs of self-managed super The ins and outs of self-managed super Everyone likes to be in control of their own destiny particularly when it comes to finances. Running your own super fund and therefore taking complete control over

More information

SMSF insurance options and strategies

SMSF insurance options and strategies SMSF insurance options and strategies Agenda Will be looking at: Requirement to consider insurance Why hold insurance through an SMSF? Life Insurance Permanent Incapacity Temporary Incapacity. Requirement

More information

Transferring your insurance cover into the Medical & Associated Professions Superannuation Fund

Transferring your insurance cover into the Medical & Associated Professions Superannuation Fund AMA Financial Services Medical & Associated Professions Transferring your insurance cover into the Medical & Associated Professions If you hold insurance cover in another superannuation fund or directly

More information

Eligibility information

Eligibility information DEPARTMENT OF HOUSING Home buyer initiative Eligibility information The Northern Territory Government is committed to providing opportunities for low to middle income earners to buy their own home in the

More information

Lump sum benefit payment request for your superannuation or account based pension

Lump sum benefit payment request for your superannuation or account based pension Lump sum benefit payment request for your superannuation or account based pension How to claim a benefit To claim a benefit you will need to complete the attached Benefit Payment Request and send it direct

More information

Macquarie Mortgages Application for Finance

Macquarie Mortgages Application for Finance Macquarie Mortgages Application for Finance Personal Details Applicant 1 Applicant 2 Borrower Guarantor (please tick one only) Title First name Surname Middle name Date of birth / / Sex F/M Marital Status

More information

Financial Services Guide Version 6 20 October 2015

Financial Services Guide Version 6 20 October 2015 www.empiresmsf.com.au Financial Services Guide Version 6 20 October 2015 Your Adviser: Simon Kelman Dover Authorised Representative Number 342608 About Empire SMSF Advisers: The Trustee for Kelman Family

More information

Self Invested Personal Pension. Benefit Form Annuity Purchase

Self Invested Personal Pension. Benefit Form Annuity Purchase Self Invested Personal Pension Benefit Form Annuity Purchase Important notes Taking benefi ts from your pension is an important decision. We recommend that you take advice from a regulated fi nancial adviser

More information

Financial Services Guide Part 1

Financial Services Guide Part 1 Financial Services Guide Part 1 Version 12, 30 JUNE 2014 This Financial Services Guide ( FSG ) has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN

More information

Setting up a self-managed super fund

Setting up a self-managed super fund Introduction for people setting up an SMSF Setting up a self-managed super fund What you need to know NAT 71923-03.2009 Our commitment to you We are committed to providing you with guidance you can rely

More information

Client Questionnaire (Fact Finder)

Client Questionnaire (Fact Finder) Part 2 Client Questionnaire (Fact Finder) The information requested in this Client Questionnaire is necessary to enable recommendations to be made and will be used solely for that purpose. We accept no

More information

HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS

HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS This is an important document. If you have difficulty understanding English, you must use an interpreter to explain it to

More information

SuperAstute. Self Managed Super. Administration Services Guide March 2012. Distributed by

SuperAstute. Self Managed Super. Administration Services Guide March 2012. Distributed by SuperAstute Self Managed Super Administration Services Guide March 2012 Distributed by 2 Bendigo Wealth Superannuation This page has been intentionally left blank Contents Page About Self Managed Superannuation

More information

Retain copies. Beneficiaries. Guarantee. Contact us

Retain copies. Beneficiaries. Guarantee. Contact us North MyNorth Client data collection form MyNorth Super A guide to completing this form Purpose of this form This form may be used by you to collect client data for the submission of a MyNorth application

More information

Options Activation Pack

Options Activation Pack Options Activation Pack Activating your E TRADE Australia account for trading Options Before starting to trade options, E TRADE Australia requires clients to: Complete and sign a Client Questionnaire covering

More information

Options Activation Pack.

Options Activation Pack. Options Activation Pack. Activating your E TRADE Australia account for trading Options Before starting to trade options, E TRADE Australia requires clients to: Complete and sign a Client Questionnaire

More information

Client Needs Analysis

Client Needs Analysis Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):

More information

Make sure your SMSF is.

Make sure your SMSF is. Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or

More information

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme Member Booklet: RBF Tasmanian Accumulation Scheme Information in this booklet is current as at 1 July 2015 Table of contents About the RBF Tasmanian 2 Accumulation Scheme How super works Benefits of investing

More information

SMSF Solutions for Advisers & Accountants.

SMSF Solutions for Advisers & Accountants. SMSF Solutions for Advisers & Accountants. 1 November 2015 www.multiport.com.au Multiport Pty Ltd ABN 76 097 695 988 AFS LICENCE NO: 291195 Contents Taking the hassle out of SMSF administration and compliance

More information

TRUST ACCOUNT (inc SMSF) application form

TRUST ACCOUNT (inc SMSF) application form TRUST ACCOUNT (inc SMSF) application form Please only use this form to open a trading account: as a Trust Account (including Self Managed Super Fund (SMSF)) where the trustees are individual(s) or a company

More information

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can:

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can: Find out how you can: Make regular personal contributions a small amount can make all the difference. Salary sacrifice your contributions and reduce your tax at the same time. Seven ways to grow your super

More information

Application Form for Millinium's Wholesale Fixed Income Fund Individual(s) / Sole Trader (Resident/Non Resident)

Application Form for Millinium's Wholesale Fixed Income Fund Individual(s) / Sole Trader (Resident/Non Resident) Before you sign this application form, we wish to give you a Information Memorandum ("IM") which is a summary of important information relating to Millinium's Wholesale Fixed Income Fund ("Fund"). The

More information

4. DETAILS OF THE PRINCIPAL(S) OF THE FIRM How Long Practicing as Partner/Director

4. DETAILS OF THE PRINCIPAL(S) OF THE FIRM How Long Practicing as Partner/Director SURA Professional Risks Level 13 / 141 Walker St North Sydney NSW 2060 P O BOX 1813 North Sydney NSW 2059 Telephone. 02 9930 9500 Facsimile. 02 9930 9501 sura.com.au FINANCIAL PLANNERS PROFESSIONAL INDEMNITY

More information

Cessation of employment

Cessation of employment SR1 04/12 Cessation of employment Benefit application form Before you start Before you complete this benefit application form, please read the CSS Product Disclosure Statement. This form and the Explanatory

More information

Financial Planning 1 July 2014

Financial Planning 1 July 2014 Financial Planning 1 July 2014 Privacy Statement Equip Financial Planning 1800 065 753 www.equipsuper.com.au Privacy Statement Equip Financial Planning provides financial advice to clients and holds personal,

More information

KPMG Staff Superannuation Plan Product Disclosure Statement

KPMG Staff Superannuation Plan Product Disclosure Statement KPMG Staff Superannuation Plan Product Disclosure Statement Prepared: 27 June 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains

More information

Thinking about self-managed super

Thinking about self-managed super Introduction for people considering an SMSF Thinking about self-managed super Six steps to work out if managing your own super is right for you NAT 72579-11.2011 Our commitment to you We are committed

More information

Bentham Asset Management Application Form. Customer identification. Contact details. Checklist. Use this application form if you wish to invest in:

Bentham Asset Management Application Form. Customer identification. Contact details. Checklist. Use this application form if you wish to invest in: Bentham Asset Management Application Form Use this application form if you wish to invest in: Bentham Wholesale Global Income Fund Bentham Wholesale Syndicated Loan Fund Bentham Wholesale High Yield Fund

More information

Super/pension account Payment request

Super/pension account Payment request Super/pension account Payment request Complete this form in BLOCK LETTERS and: post it to Asgard, PO Box 7490, Cloisters Square, Perth WA 6850 or fax it to (08) 9481 4834 Note: if this form is faxed, you

More information

Investment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form

Investment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form Investment Account Application Form Page 1 / 15 Escala Investment Account Application Form Responsible Entity: Powerwrap Limited (Australian Financial Services Licence No. 329829 ARSN 137 053 073) Please

More information

Application for superannuation benefits temporary residents departing Australia permanently

Application for superannuation benefits temporary residents departing Australia permanently GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Application for superannuation benefits temporary residents departing Australia permanently * Indicates that providing

More information

Sunsuper for life. A simple and easy solution for life! Low fees Strong performance MySuper approved. Product Disclosure Statement

Sunsuper for life. A simple and easy solution for life! Low fees Strong performance MySuper approved. Product Disclosure Statement Sunsuper for life Product Disclosure Statement Preparation date: 9 June 2015 Issue date: 1 July 2015 A simple and easy solution for life! Low fees Strong performance MySuper approved Contents Page 1 About

More information

Major Reasons for a Self Managed Superannuation Fund ( SMSF ) Trustee(s) Australian Taxation Office ( ATO )

Major Reasons for a Self Managed Superannuation Fund ( SMSF ) Trustee(s) Australian Taxation Office ( ATO ) Major Reasons for a Self Managed Superannuation Fund ( SMSF ) # Members control an SMSF and (subject to sole purpose test and other restrictions of Australian law) can choose investments (including own

More information

SMSF Audit Self Managed Super Funds

SMSF Audit Self Managed Super Funds SMSF Audit Checklist SMSF Audit Self Managed Super Funds Fund Name: (per trust deed) Fund ABN: Fund TFN: Year of Audit: The basic format is to have Financial Statements, a Tax Return, supporting documentation

More information

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund.

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund. Benefit access Gesb Super and West State Super SUP E R ANNUATION Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying

More information

Zurich Super Estate Management

Zurich Super Estate Management Zurich Super Estate Management Binding Nominations The Trustee of the Zurich Master Superannuation Fund is Zurich Australian Superannuation Pty Limited ABN 78 000 880 553, AFSL 253 500, RSE Licence No.

More information

FIRST CAPITAL POOLED INVESTMENT TRUST FUND

FIRST CAPITAL POOLED INVESTMENT TRUST FUND No: FIRST CAPITAL POOLED INVESTMENT TRUST FUND APPLICATION FORM 5 Beethoven & Strauss Street Windhoek West P.O Box 4461 Windhoek, Namibia Tel: +264 61 401326 Fax: +264 61 401353 www.firstcapitalnam.com

More information

Telstra Super Personal Plus

Telstra Super Personal Plus 01/ 17 NOVEMBER 2015 PRODUCT DISCLOSURE STATEMENT Telstra Super Personal Plus Making the most of your future Contents 01 About Telstra Super and Telstra Super Personal Plus 02 02 How super works 02 03

More information

Small Self Administered Scheme. Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS)

Small Self Administered Scheme. Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS) Small Self Administered Scheme Benefit Form Uncrystallised Funds Pension Lump Sum (UFPLS) Important notes Taking benefi ts from your pension is an important decision. We recommend that you take advice

More information

Financial Services Guide

Financial Services Guide Financial Services Guide / 1 Commonwealth Private Financial Services Guide Date of issue: 22 June 2015 Issue 10 Commonwealth Private Limited ABN 30 125 238 039 AFSL 314018 Registered office: Ground Floor,

More information

The sole purpose test

The sole purpose test In this issue: SMSFs and insurance : the new landscape where property and borrowing are involved In recent years 1, we have seen substantial growth in the number of SMSF trustees entering into limited

More information

Super Guide: A Guide to Personal Risk Insurance for SMSF Trustees

Super Guide: A Guide to Personal Risk Insurance for SMSF Trustees Integrity SMSF Education Professionalism Super Guide: A Guide to Personal Risk Insurance for SMSF Trustees Web: www.thesmsfclub.com.au Ph: 1300 760 397 Email: admin@thesmsfclub.com.au Integrity SMSF Education

More information

a helpful guide to your membership

a helpful guide to your membership a helpful guide to your membership Issued 1 July 2014 GuildSuper Member Guide incorporating MySuper and MyMix solutions This booklet provides more details to help you understand and get the most from your

More information

DEBTOR FINANCE. Please FAX signed application form back to Nova Business Finance on 1300 138 187

DEBTOR FINANCE. Please FAX signed application form back to Nova Business Finance on 1300 138 187 DEBTOR FINANCE Please FAX signed application form back to va Business Finance on 1300 138 187 va Business Finance is pleased to accept your application with a view to providing you with a solution to your

More information

investment portfolio service

investment portfolio service investment portfolio service overview Cavendish is a specialist administrator of Self Managed Superannuation Funds (SMSFs). Our overriding business objective is to provide our clients the Trustees of the

More information

Self Managed Super Funds Take charge

Self Managed Super Funds Take charge Self Managed Super Funds Take charge Gain control of your financial future with a Self-Managed Super Fund (SMSF) About Markiewicz & Co. Markiewicz & Co. is one of Australia s leading full service investment

More information

Employer Insurance Application

Employer Insurance Application for Property Focused Employer Sponsored Super Before you sign this application form, the Trustee or your financial adviser is obliged to give you the Property Focused Super Product Disclosure Statement

More information

A Guide to Investing in Property Using a Self Managed Super Fund

A Guide to Investing in Property Using a Self Managed Super Fund A Guide to Investing in Property Using a Self Managed Super Fund Why would I consider a SMSF? I already have a super fund. Self Managed Superannuation Funds (SMSF s) are the fastest growing sector of the

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE A GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This Financial Services Guide (FSG) is designed to assist you in deciding whether to use the services of Entrust Private Wealth

More information

Member Application Form

Member Application Form Super Member Application Form Employer Sponsored and Personal Plan members Joining Australian Catholic Superannuation is easy. Simply complete this form using a dark pen and capital letters or type directly

More information

Self Managed Superannuation Funds

Self Managed Superannuation Funds Self Managed Superannuation Funds You have as much choice and control over an investment property using your superannuation funds as you would by investing personally Self Managed Superannuation Funds

More information

Date day month year customer / customer s representative signature, full name, seal

Date day month year customer / customer s representative signature, full name, seal Customer Questionnaire for Receipt of Discretionary Asset Management Services For Legal Entities The sections below should be completed in order to determine whether discretionary asset management services

More information

Member Application Form

Member Application Form Member Application Form ABN 76 829 356 693 RSE R1004366 SFN 299 735 940 SPIN CFS0102AU Chifley Financial Services Limited (Trustee) ABN 75 053 704 706 AFSL 231148 RSEL L0001120 Instructions Member Services

More information

Understanding insurance Version 5.0

Understanding insurance Version 5.0 Understanding insurance Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. This document

More information

NAB 100% Investment Loan. Client Application

NAB 100% Investment Loan. Client Application NAB 100% Investment Loan Client Application Risk Disclosure Statement There are risks associated with using a NAB 100% Investment Loan Facility to borrow on the security of investments. You should be aware

More information

Are you ready to become part of Australia s largest superannuation pool?

Are you ready to become part of Australia s largest superannuation pool? Are you ready to become part of Australia s largest superannuation pool? This information is a summary based on Hayes Knight's understanding of the relevant legislation. It is general in nature and may

More information

Understanding Insurance

Understanding Insurance Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. Important

More information

MARGIN LOAN APPLICATION FORM

MARGIN LOAN APPLICATION FORM MARGIN LOAN APPLICATION FORM EFFECTIVE DATE 21 FEBRUARY 2015 YOU ARE WHAT YOU DO HOW TO USE THIS FORM PLEASE USE CAPITAL LETTERS STEP 1 BEFORE YOU START THE COMMSEC MARGIN LOAN TERMS AND CONDITIONS (29

More information

PROFESSIONAL INDEMNITY CLAIM FORM

PROFESSIONAL INDEMNITY CLAIM FORM ACE Insurance Limited PROFESSIONAL INDEMNITY CLAIM FORM McKenna Hampton Pty Ltd "Kandahar House" Level 1, 41-43 Ord Street West Perth WA 6005 PO Box 204, West Perth WA 6872 Phone: 08 6142 0000 Fax: 08

More information