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• Take interest in your Super

           Businessmatters magazine Edition 21         

          There are 795,000 super smart Australians who take an active interest in their super funds- they are

          Self Managed Super Fund Trustees. Self Managed Super Funds,also referred to as DIY Super Funds

          are growing at an unbelievable rate!

• Not all trust deeds are created equal

         Businessmatters magazine Edition 22

         The first place to start for SMSFs is to understand the foundations- your trust deed. The fund's trust deed,

         together with the super laws, form the governing rules of each individual fund. If the trust deed does not allow

         a certain strategy, even if the law does, the trustee cannot perform that strategy inside the fund.

• Smart SMSF strategy 1- Borrowing inside a SMSF

         Businessmatters magazine Edition 23

         In 2007, a change was made to legislation regarding super funds and borrowing to invest. An exemption was

         added to the SIS Act 1993, allowing super funds to borrow through an instalment warrant arrangement.

• Smart SMSF strategy 2- Pensions- accessing Australia's tax haven

         Businessmatters magazine Edition 24

         If you are over the age of 60 there is no need to move half way across the world, instead you can access

         Australia's very own tax haven- superannuation pensions.

• STOP PRESS- Changes to SMSF Borrowing Rules

         Businessmatters magazine Edition 25

         SMSF Borrowing changes have now been legislated, the good side and the not so good side.

• Smart SMSF strategy 3- Transition to Retirement pensions

         Businessmatters magazine Edition 26

         Age 55 has more significance than you realise. While it may be a milestone year for you personally, the reason

         financial advisors get excited is that you can start a tax friendly pension from your super even if you continue to

         work.

• 5 minutes with... Jo Hall

         Businessmatters magazine Edition 26

• Smart SMSF strategy 4- Estate Planning

         Businessmatters magazine Edition 27

         It may surprise you to hear that your Will is completely ineffective when it comes to dispersing your

         superannuation benefits. Whilst you may have included the provision of distributing your super benefits

         within your Will, in reality, your super assets are a non estate asset, meaning that the monies are not

         automatically passed to your Estate to be distributed by your Will.

• Smart SMSF strategy 5- Reserves

         Businessmatters magazine Edition 28

         Back in the day when reasonable benefit limits and other fun things were in play within superannuation,

         reserves had a very big part to play. It was not uncommon to hear terms like "forfeiture" be bandied

         around and reserves were where these ideas arose. Since that time reserves have fallen out of favour to

         a large degree; however for those savvy enough to understand how to benefit from them, they still very

         much have a place in their fund.