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1 Make sure your SMSF is.

2 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% 2 of Australian investors make the decision to receive professional advice when it comes to their SMSF. 1 (from front cover) Investment Trends 2011 SMSF Investor Report: $39bn of SMSF money was in excess cash that would be invested in other assets. 2 Financial Review Smart Investor Reader Survey May 2011.

3 The big questions What should you be investing in? How can you manage your investments effectively? Are you missing out if you don t borrow to invest? At Westpac we understand it takes time and resources to answer these questions. So it makes sense to get the experts in when you need to. This guide takes a closer look at some of the challenges SMSF investors face and helps you decide when it makes sense to seek expert advice. Westpac has the answers At Westpac we help you get the big decisions right. We re leading the way for SMSF investors, providing support, services and investment strategies at every stage for your SMSF. WESTPAC SELF MANAGED SUPER FUNDS 1

4 1. What is the right asset allocation for my SMSF portfolio? Managing your own SMSF is an exciting prospect but when it comes to deciding on your investment strategy a blank page can present as many challenges as it does opportunities. Why is asset allocation so important? Asset allocation is the cornerstone of a successful investment strategy. It could have a bigger impact on your returns than the individual investments you choose. Your asset allocation determines how well your portfolio tolerates market volatility and will provide the diversification you need to get the returns you want over the long term. Getting it right The right asset allocation is different for each SMSF and will depend on your goals, how much risk you want to take on and your investment horizon. Your asset allocation will also need to change over time as your lifestyle changes. Making sure you have addressed each of these issues is the first step in building the right asset allocation for you. 2 WESTPAC SELF MANAGED SUPER FUNDS

5 Do you know your true risk appetite? Working out your risk appetite is not as straightforward as simply choosing between conservative, moderate and aggressive. In fact this tick box approach can be misleading. One person s moderate may be another s aggressive. Maybe a better question to ask yourself is, how much can I lose and still be comfortable? This might give you a more accurate indicator of your risk appetite. When to ask for advice Emotion and investing just don t work. An objective approach is as important to the success of your SMSF as the investments you choose. It s helpful to talk through your investment strategy with a Westpac Financial Planner who can help you really understand your financial situation and how much risk you can take on without emotion getting in the way. WESTPAC SELF MANAGED SUPER FUNDS 3

6 Asset allocation putting the theory into practice A core/satellite approach A good place to start is to look at whether a core/satellite approach is right for you. With this approach you maintain the core of your portfolio in less risky assets such as simple equity, cash or fixed income, while the satellite gives you the opportunity to diversify into more aggressive or alternative investments. You can take a more active approach with your satellite portfolio. And if your satellite portfolio does not do well, you can minimise the impact on your portfolio as a whole. Where could different types of investments fit? CORE Examples of investments you could hold in the core of your portfolio include: Cash and term deposits High interest saving accounts Diversified fixed interest Tailored term deposits Australian property Simple equity investments such as managed funds or exchanged traded funds (ETFs) that track the Australian share market (S&P/ASX 200) and the global share market (MSCI World) SATELLITE Examples of investments you could hold in the satellite of your portfolio include: Directly held shares Self-funding instalment warrants Specialist managed funds such as small caps, regional and hedge funds Global property Hybrid securities Global fixed interest investments Capital protected investments 4 WESTPAC SELF MANAGED SUPER FUNDS

7 Diversifying your cash allocation On average SMSFs allocate around 26% 3 of their portfolio to cash a significant chunk of their investment. By diversifying your cash portfolio you can achieve more effective asset allocation. One way to do this is to allocate your cash across a range of investments such as high interest savings accounts, fixed and floating rate term deposits and tailored term deposits such as inflation linked deposits. Westpac has the answers Speak to your Westpac Relationship Manager or Westpac Financial Planner. Our Financial Planners can take you through our SMSF Investment Strategy Workbook to help you build or review your strategy. 3 Investment Trends 2011 SMSF Investor Report. WESTPAC SELF MANAGED SUPER FUNDS 5

8 2. What is the most effective way to transfer personal assets into my SMSF? Your SMSF can do more than just give you control over your investments. Holding assets in your SMSF can help you structure your super to achieve your financial goals in an effective way. So how does it work? You can transfer certain assets into your SMSF using an in-specie contribution or your SMSF trustee can purchase the asset from you. Eligible assets may include: ASX listed securities acquired at market value Managed funds that are widely held unit trusts Business real property at market value. What is an in-specie contribution? An in-specie contribution is a contribution to an SMSF in the form of an asset other than money. You can make a contribution to your SMSF by transferring the ownership of certain personal assets off-market from yourself to the trustee of the SMSF. The value of the asset will then be allocated to the SMSF. Purchase of the asset by your SMSF Your SMSF can buy the asset from you at its true market value. You receive the cash value of the asset from your fund, in exchange for transferring ownership of the asset to the trustee of the SMSF. This method is not classed as a contribution. The SMSF needs to have available funds to make the purchase. 6 WESTPAC SELF MANAGED SUPER FUNDS

9 When to ask for advice In the right circumstances transferring assets into your SMSF can be a great strategy. But there are a few things you need to bear in mind: you won t be able to access the value of the asset until you can access your superannuation after reaching your preservation age 4 you may have to pay stamp duty on the managed funds and any property that is being transferred if you use the contribution method, care should be taken not to exceed contributions caps the transfer may have capital gains tax implications as the ownership of the asset will change from you to the trustee of the SMSF. Getting it wrong could see you incur additional costs such as stamp duty, capital gains tax or excess contributions tax. Or you may not have enough investments that you can access prior to your preservation age. So speak to your Westpac Financial Planner about whether a sale or an in-specie transfer is appropriate for your financial goals. Westpac has the answers Speak to your Westpac Relationship Manager or Westpac Financial Planner to find out more. 4 From 55 or 60 depending on when you were born. WESTPAC SELF MANAGED SUPER FUNDS 7

10 3. Is a borrowing to invest strategy right for my SMSF? Borrowing to invest within your SMSF follows similar fundamental principles as borrowing to invest outside your SMSF. If you invest in a quality asset that generates income and increases in value over time, you can increase your returns by using borrowed funds to invest in these assets. On the other hand, if you invest in poor assets which lose value, your losses will be proportionately greater. Why borrow to invest? Put simply, with more money to invest you can increase your exposure to the market and diversify your portfolio. There may also be associated tax outcomes from borrowing to invest within your SMSF: any income from the investment will be taxed at a maximum rate of 15% interest payments may be a deductible expense of your SMSF your SMSF won t have to pay any capital gains tax if the investment is sold once your SMSF is in pension phase and paying pensions to its members. You should always remember that borrowing to invest can magnify your losses as well as your gains. When to ask for advice One key difference when you borrow through your SMSF is that you need to ensure the loan you use meets the SMSF borrowing rules. 8 WESTPAC SELF MANAGED SUPER FUNDS

11 The SMSF borrowing rules at a glance The loan must be limited recourse The loan must be used to purchase a single acquirable asset that is an eligible SMSF investment The asset must be held in trust for the SMSF, with the SMSF holding a beneficial interest in that asset The SMSF has the right to acquire the asset following the SMSF making one or more subsequent payments. The rules around borrowing are quite complex so it makes sense to speak to your Westpac Financial Planner and professional tax adviser before borrowing to invest within your SMSF. Westpac has the answers Speak to your Westpac Relationship Manager or Westpac Financial Planner to find out more. WESTPAC SELF MANAGED SUPER FUNDS 9

12 Borrowing to invest putting the theory into practice Our handy summary takes a closer look at a few of the pros and cons of borrowing to invest within your SMSF over the two most common assets: property and shares. BORROWING TO INVEST IN SHARES Pros Products such as instalment warrants are specifically designed for SMSFs and provide the following features: Easy to access as they are listed on the ASX You can borrow as little as $2000 There are no credit checks required There are no margin calls As you own more shares you ll increase your potential to receive dividends and you may be entitled to the benefit of franking credits on those dividends You may be able to use any excess franking credits to offset contributions tax payable by your SMSF Interest on the loan may be deductible for the SMSF (subject to the capital protected borrowing rules) Cons You have to pay interest on the funds borrowed Borrowing to invest can magnify your losses as well as your gains Your risk appetite should be able to tolerate periods of volatility in the market, as the value of the shares could fall significantly if there is a market disruption Borrowing costs are higher than traditional investment loans due to the additional protection provided by the limited recourse loan The interest on the amounts borrowed to invest in instalment warrants may be higher than the dividends received from the underlying securities Interest rate increases will result in additional interest costs being incurred on the amount borrowed Your ability to borrow to invest in shares may be impacted by changes in law and administrative practice 10 WESTPAC SELF MANAGED SUPER FUNDS

13 BORROWING TO INVEST IN REAL PROPERTY Pros Your SMSF can choose the real property and decide who to lease the property to and whether to sell the property at some time in the future Your SMSF benefits from any rental income Interest on the loan may be deductible for the SMSF Your SMSF can acquire property worth more than its available cash funds In the event of default other SMSF assets are secure as the lender does not have recourse to any of your SMSF s assets apart from the purchased property Your SMSF receives all income and potential capital growth even if the property has not been paid off Your SMSF can use income from the property to help pay off the loan There are loan products available designed specifically with SMSFs in mind Cons You have to pay interest on the funds borrowed Borrowing to invest can magnify your losses as well as your gains Your risk appetite should be able to tolerate periods of volatility in the market There are legal fees and stamp duty to pay when you purchase the property as well as annual insurance costs, council rates, water rates, agent s management costs and strata levies where applicable There are restrictions on whether the property can be improved, developed or sub divided whilst there is a loan attached There may be additional costs associated with rental property or maintenance The rent for the business real property paid to the SMSF by any related parties must be at market rates You must purchase the property from an unrelated party unless it is a business property (generally a real property used for business purposes) Property cannot be leased to, or used by a fund member or any of their relatives or associates Any rise in interest rates will increase the amount added to the loan as interest Your ability to borrow to invest in property may be impacted by changes in law and administrative practice WESTPAC SELF MANAGED SUPER FUNDS 11

14 4. I m a small business owner. What are the benefits of holding my business property through my SMSF? For small business owners getting value from your business is a primary goal. Your SMSF can provide the opportunity to structure your business in a more effective way. The benefits of holding your business property through your SMSF include: a potential source of income and potential capital growth for your SMSF stability for the business the trustee of your SMSF is your landlord tax on the rental income is at a maximum rate of only 15% if the asset is held for more than 12 months, only two-thirds of any capital gain is taxable (effective 10% capital gains tax rate). If the property is sold when your SMSF is in pension phase no capital gains tax will be due superannuation may provide some asset protection in certain circumstances the value of assets in superannuation don t count against the Net Tangible Asset test for access to the Small Business CGT Concessions which you may want to access when you eventually sell your business. If you already own the business real property you may be able to transfer the property to your SMSF, either as a contribution, sale or a combination of the two. If you don t own the property then your SMSF can buy the property, either using a loan or cash. 12 WESTPAC SELF MANAGED SUPER FUNDS

15 Contribution caps a quick reminder Personal contributions are limited to $150,000 p.a. (or $450,000 over three years if you re under 65) Tax deductible contributions are limited to $25,000 p.a. (or $50,000 p.a. for those over 50 until 30 June 2012) When to ask for advice When transferring property to your SMSF you must comply with the relevant rules. Your Westpac Financial Planner can help you make sure you get your investment strategy right. Westpac has the answers Speak to your Westpac Relationship Manager or Westpac Financial Planner to find out more. WESTPAC SELF MANAGED SUPER FUNDS 13

16 5. How can I make sure my SMSF assets are properly protected so my family gets their full benefit? Having control over your investments is a well-known benefit of having an SMSF. Not as well known is the control your SMSF gives you over your estate planning. Protecting your assets is fundamental to achieving your estate planning goals. It may make sense to purchase insurance through your SMSF. What type of insurance can I buy? There are three types of insurance commonly held in SMSFs: Life insurance which pays a benefit on the death of a member Total and permanent disability which pays a lump sum on permanent disability of a member Income protection which pays a regular income benefit if a member is unable to work temporarily. Looking after your family Most people don t realise their Will may not apply to the assets held by their SMSF. The first thing to do is make sure that you have a valid death benefit nomination in place. You then have a number of options on how your SMSF can pay out death benefits to your beneficiaries following your death: A lump sum payment An ongoing pension Reversion of your existing pension to your spouse Potential payment of an additional anti-detriment payment in some circumstances. If set up correctly, your SMSF can be a great way to pass your assets onto your family in an effective way. 14 WESTPAC SELF MANAGED SUPER FUNDS

17 When to ask for advice Even though an insurance policy may not have a specific cash value, it is considered an asset for the purposes of superannuation legislation. So you will need to make sure the acquisition of asset rules are not breached. Each estate planning option may have different tax outcomes for your beneficiaries. It s important to talk to your Westpac Financial Planner and professional tax adviser to work out the most effective strategy for your circumstances. Westpac has the answers Speak to your Westpac Relationship Manager or Westpac Financial Planner to find out more. WESTPAC SELF MANAGED SUPER FUNDS 15

18 Protecting your assets putting the theory into practice Let s assume John s premium for his life (death) cover for the year is $2,000 and he is in the top marginal tax bracket which is 46.5%. Option 1 John s life (death) cover is held outside super If John pays his premiums outside super he needs to earn $3,738 pre-tax to cover the cost of his annual premium. The amount of $3,738, minus his income tax of $1,738, leaves $2,000 to pay his premium. His pre-tax salary $3,738 Minus his income $1,738 Minus his premium $2,000 Cash $0 16 WESTPAC SELF MANAGED SUPER FUNDS

19 Option 2 John s life (death) cover is held by his SMSF In most cases when life cover is held by your SMSF the premiums are tax deductible to your fund. To take advantage of this John decides to hold his life cover through his SMSF. He salary sacrifices $2,000 of his pre-tax salary into his fund to cover the cost of his annual premium. John only needs to salary sacrifice $2,000 of his pre tax salary as the 15% tax due on the amount he salary sacrifices can be offset against the 15% tax deduction generated as his SMSF is paying his annual life cover premium. The result is that John has an extra $930 that year. His pre-tax salary $3,738 Minus his salary sacrifice $2,000 Remaining salary $1,738 Additional cash after 46.5% $930 These outcomes may vary with the type of insurance used, the marginal tax rate of the member, the ability to contribute within the relevant concessional caps and your personal circumstances. It s also important to note that the benefit paid from the policy if a claim is made may be taxed differently when paid from the SMSF, compared to it being paid to John personally to his estate. WESTPAC SELF MANAGED SUPER FUNDS 17

20 Westpac has the answers At Westpac we understand you need to focus on the big decisions so we ve made managing your SMSF as easy as possible. Save time It s estimated that the average SMSF trustee will spend up to 4 hours a week managing their SMSF. For most of us that s a big chunk out of our already busy lives. And as an SMSF trustee you re obliged to get it right. 18 WESTPAC SELF MANAGED SUPER FUNDS

21 We ve packaged together some of our accounts to help you manage your SMSF with Westpac DIY Super Bundle: 1. Manage your day to day account with your DIY Super Working Account, which pays tiered interest and acts as a hub for your online investing facility and your high interest SMSF savings account 2. Your DIY Super Savings account makes sure you earn a competitive flat interest on the parked funds in the account 3. Your online investing facility, which when linked to the DIY working account, allows you to trade shares and securities from $19.95 per trade with Westpac Online Investing. All of your accounts are linked and you have 24/7 access via Online Banking and Personal or Business Telephone Banking. There are no monthly account service fees or account balance restrictions and you can add on extra products such as a Term Deposit, SMSF Investment Property Loan or Insurance. Stay in control BT Wrap and BT Private Wrap are sophisticated yet simple tools that wrap your portfolio of shares, managed funds, insurance and cash into one easy to manage online account. Over 16,000 SMSF Trustees use these facilities and benefit from consolidated reporting and other tools to help manage and monitor their portfolios. WESTPAC SELF MANAGED SUPER FUNDS 19

22 Get the complete picture with Westpac Fixed income Residential Property Investment Cash Equities DIY Super Bundle BT Managed Accounts Cash Equities SMSF Self Managed Super Fund Commercial Property Insurance Fixed income Self-Funding Instalment Warrants Westpac Online Investing Term Deposit Coupon Select Deposit CPI Plus Deposits Inflation Linked Deposits Wrap Advice Fund Administration Residential Property Investment Commercial Property Variable Rate Investment Property Loan Bank Bill Business Loan / Business Loan Insurance Life Insurance Wrap BT Portfolio Wrap For further information on the risks you should consider the disclosure documents relating to each product and service (where applicable). Financial Advice Westpac Financial Planners Fund Administration Westpac Alliances 20 WESTPAC SELF MANAGED SUPER FUNDS

23 A bundle of three accounts including a Super Transactional Account, Online Savings Account and Online Investing Account to help you manage day to day your SMSF investments. Managed accounts can provide SMSF trustees with direct exposure to a professionally managed portfolio of Australian shares and listed property. 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. Lock away SMSF funds at a guaranteed rate for a selected term of your choice. A tailored term deposit that lets you choose if your coupon is based on fixed or floating interest rates or a combination of both. A tailored term deposit that pays an interest rate referenced to a fixed margin over and above the inflation rate, e.g. CPI + 3.5% 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/commercial property through a limited recourse loan. Access Death Cover, Total and Permanent Disability Cover and Salary Continuance Insurance via your SMSF. A single point of access to a range of investment options such as managed funds, term deposits, ASX listed securities and insurance, eliminating some of the administrative burden and paperwork that comes with managing individual investments separately. Westpac have experienced Financial Planners trained and accredited to advise on Self-Managed Superannuation Funds. Westpac has formed alliances with professional, specialist administration firms that can assist you with the running and compliance obligations of your SMSF. WESTPAC SELF MANAGED SUPER FUNDS 21

24 Find out more about how Westpac can help you make the right decisions for your SMSF: Speak to your Westpac Relationship Manager or Westpac Financial Planner Call us on Information current as at 26 September 2011 and remains subject to change without notice. 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. The information contained in this document has been derived from sources believed to be accurate. Although we have taken reasonable steps to ensure the information is free from error, neither Westpac nor any other company in the Westpac Group of companies warrant the accuracy, adequacy or completeness of the information, or otherwise endorse it in any way. 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 Super Transaction Accounts, the Online Savings Accounts and Westpac Self Funding Instalments, Term Deposits, Coupon Select Deposits, CPI Plus Deposits, Inflation Linked Deposits, DIY Super Working Account and DIY Super Savings Account, Term Deposit Account and Life Insurance are issued by Westpac Banking Corporation ABN AFSL ( Westpac ). Managed Accounts products and services are offered by Westpac RE Limited ABN AFSL Share trading through Westpac Online Investing is a service provided through Westpac Securities Limited ABN AFSL by Australian Investment Exchange Ltd ABN AFSL , a Participant of the ASX Group. You should consider the disclosure documents relating to each of these products before making any decision to invest, as well as Westpac s Financial Services Guide. These are available at or by calling Westpac SMSF Investment Property Loan (retail) and SMSF Business Loan and SMSF Bank Bill Business Loan Normal credit criteria and fees and charges apply, Terms and conditions apply and are available on request. Credit provider is Westpac Banking Corporation ABN AFSL and Australian credit licence 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. 22 Westpac WESTPAC Financial SELF Planners MANAGED are representatives SUPER FUNDS of Westpac.

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