Introducing SMSF

Self Managed Super Funds (SMSFs) are the fastest growing segment in the superannuation industry and account for over 25% of Australia's total superannuation pool.

Why? Because more and more Australians are taking control of their superannuation, choosing to work closely with a financial adviser for individual attention and advice.

AAAFI has introduced an innovative structure for people who want to take control of their superannuation future. The AAAFI Management Service provides you with personal attention to your superannuation savings. By establishing a SMSF and working closely with your AAA Shares adviser, you can benefit from:

• Direct control of your superannuation
• Individual attention and advice
• Better investments choice and potential for performance
• Tax savings/tax minimisation strategies
• Cost savings

Direct Control

By running your own super fund, you benefit from flexibility and control. You can customise your savings and investment strategy to suit your individual circumstances and enjoy access to a greater variety of investments.

Individual Attention and Advice

Unlike dealing with retail funds of Fund Managers, you deal direct with your AAA Shares adviser, somebody you know and trust for quality investment advice.

Better Investment Choices

With a SMSF you have access to a greater variety of investments. These include direct shares, derivatives, managed funds, property and more! With access to greater variety of investments, along with specialised attention and advice, you have the opportunity to see the value of your superannuation savings grow.

Tax Savings

Superannuation provides significant taxation advantages and is an attractive structure to hold investments in.

Tax on income received from investments in your SMSF is a maximum of 15%, and capital gains tax is a maximum of 10% for assets held greater than 12 months.

From July 1 2007, where a fund is paying a pension there is NO TAX PAYABLE on the pension account. That is $0 tax on investment income and $0 tax on capital gains for a pension account.

In fact, where a pension account has invested in direct shares, it is possible to receive a refund cheque from the ATO each year through the refund of franking credits! With tax savings of up to 46.5% on the highest marginal tax rate, it's no wonder more and more people are utilising a Self Managed Super Fund to invest their longer term savings.

Costs

Administration and management costs are generally fixed, and not linked to the value of your superannuation.

Is a SMSF for you?

Your superannuation is likely to be your single largest asset outside of owning your own home. It deserves individual attention!

The AAA Shares SMSF Management Service can assist you with all aspects of managing your super - from setting up your SMSF and managing your ongoing investments.

If your current superannuation assets are relatively low and unlikely to increase significantly in the short term, an SMSF may not be the solution for you at this time. Your AAAFI Adviser is able to guide you through the comparative costs and tailor a recommendation for you.

The AAA Shares SMSF Management Service

AAA Shares has established a dynamic relationship with SuperGuardian, a leading superannuation specialist, to provide you with a total solution to your Self Managed Superannuation needs.

We offer expertise.

Your specialist AAAFI Wealth Manager will monitor the financial markets and make you aware of investment opportunities as they arise. They will assist you to develop your SMSF investment strategy, designed specifically to you the returns suited to you.

We offer administration.

We handle everything relating to the establishment of your Self Managed Superannuation Fund (SMSF). On an ongoing basis, the administration and compliance burden of your Self Managed Super Fund (SMSF) is handled by SuperGuardian - our SMSF specialists.

We offer regular reporting.

Being kept up to date is important so we will provide you, through online access, investment and member statements so that you can review your super fund investments and monitor ongoing performance of your fund throughout the year.

We have a total solution.

We offer great SMSF advice and complete administration, the SMSF Management Service includes annual accounting and taxation. SuperGuardian will prepare all statutory reports and prepare and lodge the tax return for your fund.

Let's get started.

To find out more information about the AAA Shares SMSF Management Service, download our brochure here.

To speak with a AAA shares adviser about your superannuation needs please forward us your contact details so that we can help you gain control of your financial future.

Important Note: The above is intended as general information only and does not take into account the individual readers' financial circumstances, needs or objectives. You should consult a AAA Shares adviser before taking any action based on this information.