superannuation: self managed super funds

We provide an all encompassing superannuation advice service.

You don't have to be self employed or on an amazing salary to have a SMSF. Provided you have saved wisely or you have accumulated enough anyone can have their own super fund. The major attraction of a SMSF fund is that you become your own fund manager, making all the investment and administration decisions. This provides you with the freedom to design an investment strategy that is appropriate to your needs.

You can select from a very broad range of investment options including shares, property, cash, fixed interest investments as well as the full range of managed investment products. SMSF's have a greater degree of flexibility in retirement and they are an exceptionally good estate planning tool.

One of the key benefits is their ongoing costs. If you have a combined superannuation balance of greater than $250,000 then a SMSF is for you. As most costs are generally fixed, for instance, accounting and audit fees the more you have in your SMSF the relatively cheaper it becomes. You can start a SMSF with one member or you can have up to four members, usually family members. So if a husband and wife have $125,000 each in superannuation then they can pool their funds to start their very own SMSF. Stonebridge Wealth Solutions are experts in SMSF's and manage more than 20 funds for 52 individuals.

Legislation also allows for most insurance products (Life and TPD) to be held within a SMSF. This helps to reduce the cash flow burden of the premium, meaning the premiums are being paid with pre tax dollars (or max tax of 15%) and also allows the SMSF to claim a tax deduction for that premium.