Self-Managed Super Fund

Self-Managed Super Funds

In the world of asset management, each person has their own unique priorities and varying levels of risk tolerance. Some opt for a self-managed super fund (SMSF) as part of their strategy. This arrangement can give them a chance to purchase residential property or commercial property that could bring in returns.

However, it can be perceived as a challenge to manage your own super fund, considering that it requires hands-on decision-making on investing that not everyone is comfortable doing on their own. SMSFs that have invested in shares may also find themselves juggling share portfolios in highly fluctuating markets.

It’s worthwhile to consider your options and their associated risks. To pursue a diversified portfolio for SMSFs, one option could be to pool your assets in a managed fund.

At TPT Wealth, we have been providing a range of cash and income funds using a prudent approach and an in-house investment management team with decades of experience. Our team would manage the funds you are investing in should you decide to choose our funds as part of your investment strategy.

You may want to begin by taking a look at the information we’ve compiled for you below, written in simple terms for easy understanding of this kind of investment. This information is intended to be general, and as such, it may not directly align with your financial situation, investment objectives, or individual needs.

For that reason, it’s always important to understand which investment product would work best for you. Before proceeding with the application, ensure that you’ve sought independent financial, legal, and taxation advice that takes into account your particular goals for your personal investments.

Read the relevant Product Disclosure Statements (PDS) and other disclosure documents, including the Target Market Determinations, before making any decisions.

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Cash & Income Funds

Aiming for capital stability and consistent investment returns.

  • Short to medium term investors
  • Generate income from a diversified portfolio
  • Assets include bonds, money markets and mortgages
  • Delivers monthly variable returns

Investment Growth Funds

Potential for higher average investment returns over the long term.

  • Long term investors
  • Assets include property, Australian and International shares
  • Short term ups and downs are part of the funds’ performance
  • Regular income streams

All investments involve various elements of risk. Whilst TPT Wealth cannot eliminate all risks associated with an investment in the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds (including the risk of loss of income and capital invested), as Responsible Entity and Investment Manager we employ a range of strategies that seek to actively identify, assess, manage, and reduce risk. Neither TPT Wealth, nor MyState Limited or MyState Bank Limited guarantee the repayment of capital or the performance of the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds. For important information about Funds and their risks, please refer to the Fund’s PDS and TMD.

ASIC Benchmark Disclosures:
ASIC has developed a range of benchmarks for unlisted mortgage schemes (such as the Income Funds) the enable investors to understand the risks and assess the suitability of the investments. This information is updated on a quarterly basis and made available on this website.

Why invest with TPT Wealth?

Short, medium to long term investments
Over 30 years experience
Invest in assets generally not available to retail investors
24/7 access to your investments via our online investor portal

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What is a self-managed super fund?

A self-managed super fund is a type of superannuation fund that provides retirement benefits for its members. The members are also the trustees either in their individual capacity or as directors of a corporate trustee. Being a trustee allows you the flexibility to decide what exactly happens to your funds. This would include aspects such as the investment itself, insurance, and much more.

The ownership and responsibility of the self-managed super fund are yours to bear, and this means that your superannuation or work retirement savings are under your control.

However, self-managed super funds come with additional responsibilities and costs. It is essential to seek professional advice and ensure you are complying with the subsequent tax laws and superannuation laws associated with this arrangement, or else penalties could be imposed.

What’s more, handling a self-managed super fund is a continuous process where you would have to stay on top of legal requirements and the SMSF’s investments. In that regard, the investor alone can decide whether utilising a self-managed super fund is suitable for their needs.

How does a self-managed super fund work?

With a self-managed super fund, you get to redirect the money you’d ordinarily funnel into a regular super fund (retail or industry) into a fund of your own creation.

While operating a self-managed super fund, duties like managing investments, preparing financial statements, ensuring compliance, and handling the annual tax return are a must.

Making investment decisions for your fund is part of the process. A concrete investment strategy that considers the risk profile, diversification, and liquidity of the fund’s investments is also needed.

It’s apparent that running a self-managed super fund requires a lot of investment, legal, and administrative skills. Not everyone is capable of handling wealth management all by themselves, and leveraging the expertise and experience of investment professionals may help you reach your individual financial goals.

As such, TPT Wealth is here. When you invest a part of your SMSF funds, you could have an experienced team manage your investments for you.

What can a self-managed super fund invest in?

A self-managed super fund has the ability to invest in a number of assets. As part of a diversified investment strategy, it’s essential to understand the options available, their related risks, and whether or not they’re acceptable or manageable enough for your vision.

Among the investment options for SMSFs are shares, commercial and residential properties and bonds (among others). A number of Australian self-managed super funds also pool their money together in cash products or investment funds like managed funds.

Managed funds are an investment option for people who have money that they wish to invest but who are seeking the skills and experience of a professional fund manager to make investment decisions on their behalf. They operate by collecting funds from many investors to form a larger capital pool. This sum is then professionally invested in a variety of assets.

At TPT Wealth, we offer professionally managed funds, and we pride ourselves on being forward-looking and authentic in our services. Our roster of investors includes self-managed super fund trustees who have both their personal and company accounts in our care.

You can trust our service, as we have a skilled team of investment specialists at the helm, and we continuously monitor market developments and manage the funds of our corporate and private clients with care and expertise.

This commitment to genuine, honest communication and personal service forms the bedrock of our relationships. It reassures our clients that we can make sound financial decisions on their behalf and that they can rely on our skilled investment management team.

Additionally, our income funds invest in a selection of asset classes, including money market, fixed income, and commercial mortgages, to offer diversified portfolios with varying risk/return profiles to suit different investor appetites. We also have a cash investment fund and even conservative investments you can take advantage of to diversify your portfolio even further.

Just keep in mind that you should always connect with a professional and read through the Product Disclosure Statements (PDS) and other disclosure documents, including the Target Market Determinations (TMD), before pushing through with any investment. This will help you familiarise yourself with all the terms and potential risks involved.

Begin your income fund journey with us at TPT Wealth, and contact us at 1300 138 044 should you have any questions. Apply online today.

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