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Overview

 

At Birchcorp you will benefit most by developing a close business relationship where Birchcorp understands your future plans, the associated risks and how you like to do business. 

 

 

Superannuation has undergone many changes since inception.  One of the greatest changes has been the choice of super policy. This means you are free to select the superannuation fund that best suits your needs and requirements.  This decision alone may determine whether or not you have enough dollars in retirement.

 

Given superannuation is the provision of funds that will support your retirement, Birchcorp has placed a significant emphasis on breaking down the walls of complexity that currently exist.  Birchcorp has the intention to cut through all the red-tape to give you a genuine understanding of the most suitable superannuation vehicle to provide a significant benefit for your retirement.

'Your super, Your choice' is the catch slogan of the day …

To understand the choice of Super funds avialable to you, you must understand the various positions they have, what they represent and their stance in the community.

 

Superannuation Funds may be divided into three broad categories:

Self Managed Super Funds (SMSF)
Retail Funds
Industry Funds

 

The table below provides a general overview:

 

SMSF

Retail

Industry

Total Money invested in this sector in 2011

$430 Billion.

$360 Billion.

$290 Billion.

Control and Ownership 

Members take complete control, there is no payment of wages or other day to day overheads paid to external parties.

They are generally run by banks and larger Financial Institutions. They have to answer to shareholders: profits are required to be made and passed to shareholders. Executive wages have to be paid and significant overheads are paid from your balance.

Generally set up as a not-for-profit, but executive wages have to be paid and significant overheads are paid from your balance.

Fees and Charges

Fixed annual fee regardless of your money in the super fund (In a pension or accumulation phase).

Generally 2-3% of your funds under management depending on the investment strategy (In a pension phase).

Generally 0.75%- 1.5% of your funds under management (In a pension phase).

Regulations and Restrictions apart from the SIS act, Corporations Act, and the Income Tax Act.

Governed by your trust deed and investment strategy: you may change your investment strategy to buy property with a loan from the bank. You are the trustee.

Restricted to investments outlined in the PDS and general rules of the fund's trust deed. You are at the trustee's discretion.

Restricted to investments outlined in the PDS and general rules of the fund's trust deed. You are at the trustee's discretion.

Performance

You will receive 100% of the return allocated to the investment. i.e A 6.0% term deposit yields exactly 6.0%.

Your return will be net of fees, manager's performance fees and other associated costs.

Your return will be net of fees, manager's performance fees and other associated costs.

Investment Classes

All classes including direct property, exotic investments, direct shares and derivatives.

Restricted.

Restricted.

Gearing Allowed

Yes, via a bare trust arrangement.

No Gearing unless using geared managed funds.

No  Direct Gearing.

Strategy

This is the major advantage due to the flexibility. Individually catered to receive greater tax benefits and a better wealth creation outcome. Refer to reserving strategies and the like. 

Restricted to cater for the many.

Restricted to cater for the many.

Entry level: Dollar Amount Required to Enter

In some cases: Nil balance. Depending on your creativity. In most instances approximately $75,000 between two people. But you may have up to four members to improve this balance.

Any value.

Any value: very good for low balances.


Property in your SMSF - Beware

SMSF and property investments: This is NOT for everyone. Although many property spruikers stand before you and sell the concept that everyone must buy a property in your SMSF. Birchcorp is here to say that there is much time and effort required for an investor to decide to embark on this complicated arrangement. Although Birchcorp is happy to say the process is as easy as 1,2,3... it is not a process that should be taken lightly. We are professionals and have processed these SMSF establishments and ongoing services many times. A complacent trustee can easily com... Read More

Insurance

Birchcorp can show you how you may purchase your Insurance with no out of pocket expense.

Unlike other Financial Planning firms, Birchcorp is happy to show you how and why you can decrease your Insurance coverage... Read More

© Birchcorp 2017. -- All Rights Reserved

Birchcorp Pty Ltd ABN 56 132 775 654 is a Corporate Authorised Representative (No. 339299)
of Dover Financial Advisers Pty Ltd ABN 87 112 139321, which is the holder of an AFSL No. 307248. Birchcorp Pty Ltd is an Accredited Member of the FBAA with an ACL No. 376718.