Effective 1st March 2008

FREE ! :  SUPER FUND LOAN ADVICE (see Special offers page.)

SAVE ! : 2% or more  on Super Fund Loan Interest (see Special offers page.)

DIY SUPERANNUATION CHANGES ENABLES BORROWING
& GEARING IN INVESTMENT INSTALMENT WARRANTS, S67 (4A)
(See our A4Companies Super Fund Gearing Checklist)

Introduced and made effective in September 2007 the new changes to the SIS Act allow superannuation funds to gear super. fund assets indirectly.
Suprisingly simple, these changes give fund trustees a new strategy to grow retirement assets quickly, but as with all gearing it will also magnify the downside risks, so they must be thoroughly understood before taking action.
Not since the old Trevisan Trust arrangements** (1991-1999) were outlawed in 1999, have super. funds had the ability to employ borrowed funds to indirectly acquire and mortgage (super fund) assets. The major difference under S67 4A is that the assets that may be acquired are restricted to those which the fund may itself acquire directly.
However, this description includes business property, that is real estate used in a business carried on by the fund members and/or relatives.
This will provide an opportunity to buy any property used by a business, which employs the fund members/business owners.

Including:

(a) a factory, office, retail or commercial property,

(b) a residential style property where a Medical/Dental practice or Specialist Surgery or other business is located provided that all the property is allocated to the business activites, or

(c) a farm,
(that is, land used in a primary production business as defined in the ITAA 1997.)

The new rules though simple, are very strict, so stop dreaming about any arrangement which involves investing in any form of business or in shares in a private company which is related to the fund members. These are still beyond the range of approved fund investments. This includes activities such as property development, but will allow investments in child care centre real estate or family farms provided they are structured correctly.

Our Super Fund & Warrant Trust Services
We offer a complete advisory service to help you explore how the borrowing opportunities could work for you personally, from conception, forward planning through to installation. We have been in the Self Managed Super Fund business since 1978 and probably have one of the longest unbroken business track records in the Australian DIY SMSF market.
Click here to access our A4COMPANIES SUPER FUND GEARING CHECKLIST

A4Companies - 30 years of SMSF Services.

A4Companies Pty. Limited and its parent company, Fintel Group Pty. Limited have been involved in Self Managed Super Fund establishment and planning since 1978
Our daily activities have included Company and Trust and Self Managed Super. Fund establishment when we commenced providing additional services to new and existing clients. Prior to this we had been involved in the business of providing consultancy in insurance, finance and business planning. We are the forerunners of the modern financial planner but with important differences because:

› We have mostly provided advice on an hourly fee or on a success fee basis.

› We have always informed clients of all available options including direct investments and structures, not just products from investment managers.

› Unlike the majority of financial planners we have always paid close attention to the structuring and tax planning benefits of a clients investments or business activities.

› 30 years of experience honing our skills and problem solving approach will provide you with a superlative
tailored outcome.