3 ways to maximise every dollar in your SMSF.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "3 ways to maximise every dollar in your SMSF."

Transcription

1 3 ways to maximise every dollar in your SMSF. We knowhow.

2 Contents. Your super, your way. Once you ve established a Self Managed Super Fund, we have a three-piece DIY Super Solution to help you manage the everyday banking and share trading needs of your fund. So if you like the idea of having control over where your super is invested, here s how to get started. Your super, your way Super, easy. 5 Get underway, straight away. 7 The big picture. 10 Your questions answered. 14 Time to take control. 16 Know what you want for your money and your future? With some expert help from your accountant and Westpac Financial Planner, you can set up a Self Managed Superannuation Fund (SMSF) and make your own investment decisions for your super. Your SMSF could bring you a number of benefits, depending on your circumstances, from controlling where you invest to potentially improving your returns. Of course, with opportunity comes obligation, and you ll need to ensure you: Act in accordance with the conditions of your trust deed Follow ATO regulations and associated legislative obligations Put in the time to manage your fund appropriately Act in the best interests of your fund s members 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 you re thinking about starting one. The biggest challenge is to make sure you get the important decisions right. After all, the decisions you make will determine how much super you have when you retire. Which is why just over 70%* of Australian investors make the decision to receive professional advice when it comes to their SMSF. This is where a Westpac Financial Planner can help you understand your financial situation and build your SMSF investment strategy. *Financial Review Smart Investor Reader Survey, May

3 . Super, easy. Managing your own super shouldn t take a super effort. We ve developed a three-piece DIY Super Solution specifically for SMSFs, so you ll have the ability to concentrate on investing your super, rather than just managing it. Savings account Park your surplus funds between investments No monthly service fees Great interest rates on every dollar Operate and access via your linked Working account Working account An everyday hub account to manage your investments No monthly service fees Tiered interest rate Online banking Personal or Business telephone banking Branch and cheque access to funds Westpac Online Investing Trade from $19.95 when linked to your Working account Access shares, Options, Warrants and more Trade online, over the phone or via the mobile app Get the latest research and analysis from Morningstar, Westpac, BT and more Advanced charts using live market data No monthly service fees How does the DIY Super Solution work? Your three accounts work together to meet the everyday needs of your SMSF. Transact from your Working account, including online trades Save surplus funds at a great interest rate, by depositing them in your Savings account Trade shares and other securities with Westpac Online Investing Working account*. With your Working account you can be earning interest on your funds, and still have the ability to access funds on a day to day basis. The account acts as a hub for your SMSF transactions. You can transfer funds directly to and from your Westpac DIY Super Savings and Westpac Online Investing accounts; and use it to manage your other super investments. * If you close your Working account, you will need to close your linked Savings account and, if applicable, arrange an alternative trading account for your Westpac Online Investing account. 4 5

4 Get underway, straight away. Why have a Savings account and a Working account? As an investor, there ll be times when you have surplus cash between investments, for example. Your Westpac DIY Super Savings account lets you make the most of this money by attracting great interest rates until you need it again. Once you ve established your SMSF in conjunction with an SMSF specialist, you can open the DIY Super Solution: Online at westpac.com.au/smsf At any Westpac branch Or by calling Accessing funds from your Super Savings account. When you want to invest the funds in your Westpac DIY Super Savings account elsewhere, you simply transfer the amount you need to your Working account then make your transactions from there. Westpac Online Investing. Finally, Westpac Online Investing gives you the tools to invest in a range of securities with great rates, convenient access, and all the latest data you need to help you make your decisions. When you come to see us or go online, remember you ll need: Your current trust deed The ABN for your trust The Tax File Number for your super fund Two forms of identification Cash Fixed Wrap Income Residential Property SMSF Self Managed Super Fund Financial Advice Commercial Property Education Equities Fund Insurance Administration To open and operate a Savings account, you must hold a Working account and have the accounts linked. Fees may be applied on the Working account. 6 7 For further information on the risks, you should consider the disclosure documents relating to each product and service (where applicable). 8

5 The big picture. Once you have your DIY Super Solution set up to meet the everyday banking and share trading needs of your SMSF, you may want to consider the other products and services Westpac offers that might support your investment strategy. Term Deposits. If you re attracted to the certainty of a fixed investment return for a fixed term, Westpac Term Deposits could be just what you re looking for. Our interest rates are competitive, and you could have your interest earnings paid directly into your Working account. We can even help show you how you can receive a regular income from your Term Deposits. Super Fund Property Loan. Superannuation legislation lets you borrow to invest, as long as certain conditions are met. So your SMSF may be able to invest in residential and commercial investment property with the help of our Super Fund Property Loan. Insurance products. Building your wealth is one thing, protecting it is something else. With our portfolio of life insurance options, from death benefits to income protection, we have the knowhow to help keep you secure. Just ask your Westpac Financial Planner about it. Cash DIY Super Solution A suite of three products including a DIY Super Working account, DIY Super Savings account and Westpac Online Investing to help you manage the everyday banking and share trading needs of your SMSF. Fixed Income Term Deposit Lock away SMSF funds at a guaranteed rate for a selected term of your choice. Residential Property Commercial Property Coupon Select Deposit A tailored term deposit that lets you choose the frequency of interest payments, the start date and whether to receive fixed rate or floating rate interest payments or a combination of both. CPI Plus Deposit A tailored term deposit that pays a guaranteed fixed rate above the inflation rate, e.g. CPI + 3.5% Inflation Linked Deposit Variable Rate Property Loan Fixed Rate Property Loan Bank Bill Business Loan/ Business Loan A tailored term deposit that features an interest rate which is directly linked to inflation. The interest rate increases with inflation, protecting the real value of your interest income. Funds the purchase of an investment property through a limited recourse loan. Funds the purchase of a business or commercial property through a limited recourse loan, with the option of a fixed or variable interest rate. Equities BT Managed Accounts Managed Accounts can provide SMSF trustees with direct exposure to a professionally managed portfolio of Australian shares, listed property and managed funds. All administration and comprehensive tax reporting is performed by a team of experts. Self Funding Instalment (SFI) Warrants Westpac Online Investing An ASX listed investment that lets you borrow to invest in the sharemarket within an SMSF without margin calls. A quick and cost effective way to invest online in shares, Options, Warrants, ETFs, managed funds, IPOs and more. Insurance Life Insurance Access Death Cover, Total and Permanent Disability Cover and Salary Continuance Insurance via your SMSF. Wrap BT Portfolio Wrap A single point of access to a range of investment options such as managed funds, term deposits, ASX listed securities and insurance. Financial Advice Westpac Financial Planners Westpac has qualified Financial Planners trained and accredited to advise on SMSFs. Education Davidson Institute Westpac s Davidson Institute provides financial and business education courses, seminars and online learning for SMSF trustees, designed to improve your financial knowhow. Fund Administration Westpac Alliances Westpac has informed alliances with professional, specialist administration firms that can assist you with the running and compliance obligations of your SMSF

6 Get the complete picture with Westpac. Your questions answered. Q. How do I check my DIY Super account balances? A. You can check your account balances at any time simply: Login to Online Banking at westpac.com.au Call us on (or if you re a Business customer) Visit any Westpac branch Q. How s my interest calculated? A. Interest is calculated daily and paid monthly. Your DIY Super Working account pays tiered rates based on your account balance, while your DIY Super Savings account pays a flat rate on the full balance. Q. Are there minimum or maximum balance requirements? A. No you can deposit and hold as much or as little as you like in your Working and Savings accounts. Q. How often will I receive statements? A. You ll get quarterly statements for both your Westpac DIY Super Working and Savings accounts. You can also select e-statements if you re happy to receive your statements electronically. Q. Are there any fees or charges on the accounts? A. There are no monthly account service fees for the Solution. Fees may apply for some transactions though. Please see our booklet, Deposit Accounts for Personal and Self Managed Super Customers Terms and Conditions for details. Things you should know: Information is current as at 18 April This information provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such. This information does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. You should seek independent financial, legal and tax advice before acting on this information. This brochure does not constitute an offer, or a solicitation of an offer, to subscribe for or purchase any securities or other financial instrument; is not an invitation to invest; is not an offer for finance; does not constitute an offer, inducement or solicitation to enter a legally binding contract; and is not to be construed as an indication or prediction of future results. Any reference to taxation matters is a general statement only and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation. Westpac and its financial planners are not qualified to give tax advice. The individual situation of investors may differ and investors should seek independent professional tax advice on any taxation matters. The Working and Savings accounts are issued by Westpac Banking Corporation ABN Australian Credit Licence and AFSL (Westpac), an authorised deposit-taking institution under the Banking Act 1959 (Cth). Westpac Online Investing through Westpac Securities Limited ABN AFSL is a service provided by Australian Exchange Ltd ABN AFSL , a participant of the ASX Group. The DIY Super Working Account, DIY Super Savings Account, Westpac Online Investing, Westpac Self Funding Instalments, Term Deposits, Coupon Select Deposits, CPI Plus Deposits, Inflation Linked Deposits and Term Deposit Account are issued by Westpac. Managed Accounts products and services are offered by Westpac RE Limited ABN AFSL Westpac SMSF Property Loan (retail) and SMSF Business Loan and SMSF Bank Bill Business Loan Normal credit criteria and fees and charges apply, credit provider is Westpac. You should consider the disclosure documents and terms and conditions relating to each of these products before making any decision to invest, as well as Westpac s Financial Services Guide. These are available at westpac.com.au or by calling BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN AFSL (Insurer). The issuer for all products, except for Term Life as Superannuation and Policies paid via SuperWrap, is the Insurer. BT Portfolio Services Ltd ABN (BTPS) operates BT Portfolio Wrap (Wrap). Westpac is not responsible for bringing Wrap to you. Its role is limited to distributor only. An IDPS Guide is available for Wrap and can be obtained from your Westpac Financial Planner. You should obtain and consider the IDPS Guide before deciding whether to acquire, continue to hold or dispose of interests in Wrap. BTPS is a subsidiary of Westpac. Apart from any interest investors may have in underlying bank accounts held at the Bank through a Wrap Cash Account or in Westpac securities acquired through Wrap, an investment in, or acquired using, Wrap is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, Wrap. Fees and charges apply. Full details of terms and conditions are available on request. Westpac Financial Planners are representatives of Westpac Westpac Banking Corporation ABN Australian Credit Licence and AFSL

7 Open a DIY Super Solution today. Ask at your local branch Call Visit westpac.com.au/smsf You don t have to know it all. Westpac Financial Planners have the knowhow to help you develop a long-term strategy to suit your SMSF. So you can concentrate on your super returns for now, and know you ve got a sound plan for tomorrow. To talk to a Westpac Financial Planner, call Want to ask about Westpac Online Investing? Speak to our specialists on STOCKCODE (03/12) WRI0071

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

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

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

Wealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions

Wealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions Wealth Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions We all have different plans in life. At Bank of Melbourne, our commitment to you starts

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

Borrowing to Buy Property in your Self Managed Super Fund

Borrowing to Buy Property in your Self Managed Super Fund Level 7,34 Charles St Parramatta answ 2150 PO Box 103 Parramatta NSW 2124 Phone: 02 9687 1966 Fax: 02 9635 3564 Web: www.carnegie.com.au Guide Build Protect Manage Wealth Borrowing to Buy Property in your

More information

Financial Services Guide. Westpac Financial Planning

Financial Services Guide. Westpac Financial Planning Financial Services Guide Westpac Financial Planning Table of contents 1. The value of this Financial Services Guide... 1 2. About the Westpac Group... 1 3. Financial Planning with Westpac... 1 4. What

More information

Your guide to a total solution Ascend self managed super

Your guide to a total solution Ascend self managed super Your guide to a total solution Ascend self managed super The big picture ISSUE 2 - SEPTEMBER 2009 Components of an SMSF If one member only If 2 to 4 members What is a self managed super fund? Member trustee

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

Financial Services Guide. Bank of Melbourne Financial Planning

Financial Services Guide. Bank of Melbourne Financial Planning Financial Services Guide Bank of Melbourne Financial Planning Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence No. 233714 Australian

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

BT Select Portfolio SuperWrap

BT Select Portfolio SuperWrap BT Select Portfolio SuperWrap Product Disclosure Statement BT Select Portfolio SuperWrap Personal Super Plan BT Select Portfolio SuperWrap Pension Plan Dated 11 March 2013 The distributor of BT Select

More information

Premier Advantage Package. Conditions of Use

Premier Advantage Package. Conditions of Use Premier Advantage Package Conditions of Use Effective as at 29 June 2015 Table of Contents Premier Advantage Package Conditions of Use 1. Acceptance of Conditions of Use 3 2. Opening a Package 3 3. Eligibility

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

Investor Guide Dated 26 March 2016. BT Panorama. BT Panorama Investments

Investor Guide Dated 26 March 2016. BT Panorama. BT Panorama Investments Investor Guide Dated 26 March 2016 BT Panorama BT Panorama Investments What is this Investor Guide for? This Investor Guide aims to help you to make an investment decision by giving you an overview of

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.

More information

Products at a glance. Macquarie Wrap

Products at a glance. Macquarie Wrap Products at a glance Macquarie Wrap Over 15 years experience with inception in 1999 More than $40 billion in funds under management (FUM) (as at April 2014) 1 in 3 investments with Macquarie Wrap are held

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Supplementary Product Disclosure Statement SuperWrap

Supplementary Product Disclosure Statement SuperWrap Supplementary Product Disclosure Statement SuperWrap This Supplementary Product Disclosure Statement ( SPDS ) is dated 20 November 2015 and supplements the Product Disclosure Statement ( PDS ) for SuperWrap.

More information

St.George Financial Planning. Financial Services Guide

St.George Financial Planning. Financial Services Guide St.George Financial Planning Financial Services Guide Issue date: 1 July 2013 Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence

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

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this guide is important to you This Guide explains the services we provide, as well as giving you important information that will help you decide if you want to

More information

Supplementary IDPS Guide

Supplementary IDPS Guide Supplementary IDPS Guide Investment Manager Supplementary IDPS Guide issued by Macquarie Investment Management Limited (MIML) ABN 66 002 867 003 AFSL 237492. Issued 28 September 2015. This Investment Manager

More information

Wealth & Planning... Financial Planning Services

Wealth & Planning... Financial Planning Services Wealth & Planning... Financial Planning Services Contents. What is financial planning? Whatever your financial goals wealth creation, retirement, investments or otherwise having a financial plan is key

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

borrow Want to in your SMSF?

borrow Want to in your SMSF? borrow Want to to buy property in your SMSF? A Self Managed Super Fund (SMSF) gives you investment flexibility. Some typical investment options for SMSFs include term deposits, direct shares, and managed

More information

A guide to our Financial services

A guide to our Financial services A guide to our Financial services Financial Services Guide Dated 1 July 2015 BT Funds Management Limited ABN 63 002 916 458 Australian Financial Services Licence No. 233724 RSE Licence No. L0001090 as

More information

Self Managed Super Funds

Self Managed Super Funds Self Managed Super Funds How can Morgans make a difference to you? Our clients have been accessing a wealth of experience in financial services since 1987. While our reputation was established in stockbroking,

More information

Macquarie Longevity Solutions. Macquarie Lifetime Income Guarantee

Macquarie Longevity Solutions. Macquarie Lifetime Income Guarantee Macquarie Longevity Solutions Macquarie Lifetime Income Guarantee How can Macquarie help? The Macquarie Lifetime Income Guarantee Policy provides you with a flexible, low cost investment which guarantees

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

MLC Wrap and Navigator Investor Online. A guide to accessing your account online

MLC Wrap and Navigator Investor Online. A guide to accessing your account online MLC Wrap and Navigator Investor Online A guide to accessing your account online This guide will help you set up online access to your account and help you navigate your Investor Online site. Contents What

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

Financial Services and Credit Guide

Financial Services and Credit Guide Issued on 27 April 2012 Helping you make the most of life Financial Services and Credit Guide RI Advice Group Pty Ltd ABN 23 001 774 125 Australian Financial Services Licence 238429 Australian Credit Licence

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

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

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS)

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS) BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003

More information

Super Saver Induction Booklet

Super Saver Induction Booklet VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December 2013 99 Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

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

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

SMSF Property Loans Online Product Training

SMSF Property Loans Online Product Training SMSF Property Loans Online Product Training Contents 01 SMSFs and borrowing 02 Responsibilities and licensing 03 Product overview and features 04 Fees 05 Credit policy 06 Case study 07 Next steps 01 SMSFS

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement The Portfolio Service Superannuation Plan The Portfolio Service 1 July 2014 Supplementary Product Disclosure Statement Issuer: Questor Financial Services Limited ABN 33 078 662 718 AFS Licence No. 240829

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE This Financial Services Guide ( FSG ) explains Astute Advisory Services Pty Ltd ( AAS ) financial services offering. It is a legal requirement that you must be provided with an

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE VERSION 6.0 OCTOBER 2014 PATRON Financial Services Pty Ltd (ABN 13 122 381 908) atf the PATRON Financial Trust (ABN 32 307 788 137) trading as PATRON Financial Advice (PATRON)

More information

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited Super Accelerator Supplementary Product Disclosure Statement 2 April 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL 230975

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

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening

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

Grow your Business. or DIY Super cash the. easy way! Business Optimiser Information Brochure

Grow your Business. or DIY Super cash the. easy way! Business Optimiser Information Brochure Grow your Business or DIY Super cash the easy way! Business Optimiser Information Brochure 1 I want an easy way to grow my cash A Business Optimiser could be the answer Business Optimiser is a smart and

More information

Helping you save for tomorrow

Helping you save for tomorrow North Investment Investor Directed Portfolio Service Guide and Financial Services Guide Helping you save for tomorrow Issue Number 7, 1 July 2014 To be read in conjunction with North Investment Guarantee

More information

At-Call Savings Accounts

At-Call Savings Accounts At-Call Savings Accounts Part 1 - At-Call Savings Accounts Product Disclosure Statement (Corporations Act (Cth) 2001) comprises of the following documents Part 1 - Product Disclosure Statement for all

More information

Advising on need not Premium

Advising on need not Premium Advising on need not Premium Determining Insurance Adequacy Levels Brendan Bowen Product Technical Manager, BT Life Insurance I keep tweaking and crafting until I get the perfect sound. A life lesson from

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

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

Helping you trade your way

Helping you trade your way Helping you trade your way 2 3 4 5 7 8 10 Enhance your investing and trading performance with Westpac Broking Make fast, easy orders Stay in control Pay for trades whichever way suits you Discover what

More information

A guide to our financial services and terms and conditions of using Westpac Online

A guide to our financial services and terms and conditions of using Westpac Online A guide to our financial services and terms and conditions of using Westpac Online Financial Services Guide Dated 27 January 2013 BT Funds Management Limited ABN 63 002 916 458 Australian Financial Services

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

I want a. simple way. to save. Savings Maximiser

I want a. simple way. to save. Savings Maximiser I want a simple way to save Savings Maximiser Information Brochure Date: 1 February 2012 I like a simple and straight forward way to reach my savings goals 2 Who is ING DIRECT? As our name suggests, we

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

BT Select Portfolio. Investor Short Guide

BT Select Portfolio. Investor Short Guide BT Select Portfolio Investor Short Guide Dated 11 March 2013 Purpose of the Investor Short Guide This Investor Short Guide is the Investor Guide for Wrap and should assist you to make an investment decision

More information

North. Super and Pension Guarantee. Product Disclosure Statement Part B. Issue number 11, 30 March 2015

North. Super and Pension Guarantee. Product Disclosure Statement Part B. Issue number 11, 30 March 2015 Issue number 11, 30 March 2015 North Super and Pension Guarantee Product Disclosure Statement Part B North Personal Superannuation and Personal Pension North Guarantee To be read in conjunction with North

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

www.statewide.com.au/join

www.statewide.com.au/join How we invest your money Employer-sponsored and personal superannuation members. This document was prepared on 3 August 2015. The information in this document forms part of the Statewide product disclosure

More information

Financial Services Guide. A guide to our financial services

Financial Services Guide. A guide to our financial services Financial Services Guide A guide to our financial services Westpac Securities Administration Limited ABN 77 000 09 72 Australian Financial Services Licence Number: 233731 RSE Licence Number: L0001083 Dated

More information

ONLINE SAVINGS ACCOUNT.

ONLINE SAVINGS ACCOUNT. ONLINE SAVINGS ACCOUNT. TERMS AND CONDITIONS. THE FINE PRINT. All the details to keep everyone smiling. ABOUT THIS BOOKLET. Congratulations on choosing an Online Savings Account with ME Bank. We know that

More information

Put your clients on the TTR track

Put your clients on the TTR track RETIREMENT November 2012 Put your clients on the TTR track Adviser guide to transition to retirement strategies About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice

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

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8.1 Date: 1 st March 2015 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we

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

CREATE WEALTH WITH SHARES

CREATE WEALTH WITH SHARES CREATE WEALTH WITH SHARES Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 ( CommSec ) Locked Bag 22, Australia Square NSW 1215 Important Information. This brochure has been prepared without

More information

Things you should know

Things you should know Westpac Group Plan Defined Benefit Pension (including Spouse pension) Product Disclosure Statement (PDS) Dated: 1 July 2014 Things you should know The Westpac Group Plan Defined Benefit pension provides

More information

Manage Your Cash, Manage Your Life

Manage Your Cash, Manage Your Life Manage Your Cash, Manage Your Life 1 Manage Your Cash, Manage Your Life A simple guide to effective cash flow management Contents The importance of Cash Flow Management 3 Get on top of your cash flow 4

More information

Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement

Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 31 July 2015 St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL

More information

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS)

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 1 July 2014 This SPDS is dated 1 July 2014 and supplements the information contained in the BT Protection

More information

The Navigator Platform

The Navigator Platform Navigator Adviser use only The Navigator Platform At a glance Preparation date: May 2013 This brochure is issued by, Navigator Australia Limited ABN 45 006 302 987 AFSL 236466. Navigator Australia Limited

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this Guide is important to you This Guide explains the financial planning and credit services we provide, as well as giving you important information that will help

More information

HEADING GUIDE TO INVESTMENT SERVICES

HEADING GUIDE TO INVESTMENT SERVICES HEADING GUIDE TO INVESTMENT SERVICES HEADING TRADING SOLUTIONS We ve taken the strength of the market leading CommSec trading platform and enhanced it with additional features for advisers trading on behalf

More information

Self Managed Super Funds. Plain Talk Library

Self Managed Super Funds. Plain Talk Library Plain Talk Library Contents Introducing Self Managed Superannuation Funds 1 What is a self managed super fund? 1 What are the requirements of self managed super fund trustees? 3 Who can use self managed

More information

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme Bring your Australian super home ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme If you ve worked in Australia at any time since 1992, you may have some Australian super tucked away. You can transfer

More information

Investment. A guide to investment bonds

Investment. A guide to investment bonds Investment A guide to investment bonds Investment bonds represent an opportunity to build wealth in a unique tax environment. * Here is a brief explanation of how investment bonds work. About OnePath OnePath

More information

capability statement Private Wealth

capability statement Private Wealth capability statement Private Wealth 2 Private Wealth CONTENTS Introducing BDO Private Wealth... 3 About BDO Private Wealth... 3 Our Investment Philosophy... 3 Our Beliefs... 3 Our Services... 4 Personal

More information

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch Everyday banking and savings Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch We all have different plans in life. At Bank of Melbourne, our commitment

More information

Personal Plan. Product Disclosure Statement. www.australiansuper.com/join

Personal Plan. Product Disclosure Statement. www.australiansuper.com/join Personal Plan Product Disclosure Statement www.australiansuper.com/join 1. About AustralianSuper 2. How super works 3. Benefits of investing with AustralianSuper 4. Risks of super 5. How we invest your

More information

Savings and Term Investment Accounts. Savings made easy, however you choose to do it.

Savings and Term Investment Accounts. Savings made easy, however you choose to do it. Savings and Term Investment Accounts Savings made easy, however you choose to do it. If you re looking for a savings account we have different types you can choose from, each slightly different to fit

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

Financial Services Guide. A guide to our relationship with you

Financial Services Guide. A guide to our relationship with you Financial Services Guide A guide to our relationship with you Shadforth Financial Group Limited ABN 27 127 508 472 AFSL 318613 Part of the IOOF group Version 11.0 15 January 2016 Purpose and content This

More information

Your upgrade to IOOF Pursuit

Your upgrade to IOOF Pursuit Your upgrade to IOOF Pursuit The following is more information about your upgrade to the IOOF Pursuit Select Investment Service Firstly, about Pursuit IOOF Pursuit Select Investment Service for Plan B

More information

Licensing options for accountants

Licensing options for accountants Licensing options for accountants Licensing your way Licensing your way Take advantage of the opportunities in the SMSF market. Be licensed to succeed. 2 Smart licensing and support solutions for SMSF

More information

Additional Information Booklet

Additional Information Booklet SuperWrap Additional Information Booklet Dated 20 November 2015 This Additional Information Booklet ( Booklet ) has been prepared by the issuer of SuperWrap: BT Funds Management Limited ABN 63 002 916

More information

AMP SMSF Solutions. Is an individual or corporate trustee. for your SMSF?

AMP SMSF Solutions. Is an individual or corporate trustee. for your SMSF? AMP SMSF Solutions Is an individual or r corporate trustee ght for your SMSF? 3 One of the greatest aspects of a self managed super fund (SMSF) is the level of control you have in tailoring your fund to

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

Financial Services Guide

Financial Services Guide Financial Services Guide Version 18.0 Issue date: 23 March 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information designed to help

More information

Product Disclosure Statement

Product Disclosure Statement AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of

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

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

With every business transaction we make it count.

With every business transaction we make it count. Business Solutions 02 With every business transaction we make it count. business solutions Personal service has a new name When we say we re here to help you, we mean business. Whether you re just starting

More information

ANZ Margin Lending Integrated with E TRADE

ANZ Margin Lending Integrated with E TRADE ANZ Margin Lending Integrated with E TRADE The ANZ Margin Loan - Integrated with E TRADE What is margin lending? Benefits of gearing The ANZ Margin Loan is an integrated facility that allows you to trade

More information

Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement

Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 31 July 2015 Westpac Banking Corporation ABN 33 007 457 141 AFSL 1 and Australian credit licence

More information

Financial services guide

Financial services guide Financial services guide The Financial Services referred to in this guide are offered by: Dixon Advisory & Superannuation Services Ltd ABN 54 103 071 665 AFSL 231143 A hard copy of this document is available

More information