MLC Australia’s Post

Self-managed superannuation funds (SMSFs) are becoming an increasingly popular choice for Australians who want greater control over their retirement savings. While starting an SMSF is a significant commitment, it offers unique advantages that can help you align your investment strategy with your financial goals. Here are 10 key reasons why an SMSF might be the right choice for you, as highlighted in the Australian Financial Review. Read more>>https://hubs.la/Q02-Tdyj0 #SMSF #australians #retirementsaving #investment #financialgoals #finance #australia

In Australia, superannuation is a long-term investment by way of saving for your retirement and only accessible once a condition of release has been met or an individual has retired. So what are the benefits of a self-managed super fund? Read more: https://okt.to/7zUerD #selfmanagedsuperfund #smsf #smsfaustralia

🚀 Self-Managed Super Funds (SMSFs) Surpass $1 Trillion Milestone! 🚀 The latest milestone for Self-Managed Super Funds (SMSFs) in Australia is a testament to the strength and professionalism of the sector. SMSFs have now surpassed a remarkable $1 trillion in assets under management! This achievement highlights the growing confidence of Australians in managing their own retirement savings. It also underscores the vital role of financial professionals, advisors, and service providers who support SMSF trustees in navigating the complex landscape of superannuation. As the SMSF sector continues to evolve, this milestone is not only a reflection of the sector’s resilience but also a reminder of the value of knowledge, expertise, and strategic planning in securing financial futures. Congratulations to the SMSF industry for this outstanding achievement – the future looks bright! 🌟 Read more: https://lnkd.in/gEQkvQMJ #SMSF #Superannuation #FinancialPlanning #RetirementSavings #FinancialServices #IndustryMilestone

🎯 Thinking about investing in property through your SMSF? 📈🏡 Self-Managed Superannuation Funds (SMSFs) give you the control and flexibility to grow your retirement savings your way – including the option to invest in property! But like any strategy, it’s important to weigh the pros and cons before diving in. Here’s a quick breakdown:👇 ✅ Pros of using an SMSF to invest in property: Potential for High Returns 💸: Property has historically shown strong capital growth and steady rental income. 📈 Diversification 🌍: Add property to your investment mix for more stability and reduced risk. Tax Benefits 💰: Lower tax rates on rental income (15%) and capital gains (10% after 12 months), plus deductible expenses! Control & Flexibility 🎛️: Choose and manage the properties yourself, while leveraging borrowing options to maximize your returns. ❌ Cons of using an SMSF to invest in property: Higher Costs 💲: Acquiring property involves legal fees, stamp duty, and ongoing maintenance costs. Limited Liquidity ⏳: Property is an illiquid asset, making it harder to access cash if needed quickly. Lack of Diversification 🏘️: Putting too much of your retirement savings in one asset class could be risky if the market underperforms. Regulatory Burden 🛡️: Managing an SMSF involves strict compliance rules, especially around property transactions and borrowing. Before you make the move, professional advice is key! 🔑 💡 Consider your SMSF’s cash flow and repayment capacity to ensure it can handle the costs and still grow your retirement savings. Looking to explore SMSF property investment or need a hand with figures? 🤝 Let's chat! #PropertyInvestment #SMSF #RetirementPlanning #Superannuation #InvestSmart #RealEstate #TaxBenefits #Diversification #FinancialFreedom #WealthBuilding #FinanceTips

Does your family have a Self Managed Superannuation Fund to grow your family wealth for future generations? A great article by my colleague Simon Gow on the benefits of setting up a self managed superannuation fund. #familybusiness #superannuation

Personal finance strategies for those aged 50 or over tend to focus more on wealth preservation rather than wealth creation. But that doesn't mean you shouldn’t be investing. Our latest article looks at what you need to think about if you’re starting to think about retirement https://lnkd.in/e_UFbknf 🌟📈 #MeDirect #investments #retirement #financialplanning MeDirect Bank (Malta) plc, company registration number C34125, is regulated by the Malta Financial Services Authority and is licensed to undertake the business of banking in terms of the Banking Act (Cap. 371) and investment services under the Investment Services Act (Cap. 370). The Bank is a participant in the Depositor Compensation Scheme established under the laws of Malta. MeDirect Bank (Malta) plc. The Centre, Tigne Point, Sliema TPO 0001, Malta

🏠💡 𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐎𝐮𝐭𝐬𝐢𝐝𝐞 𝐭𝐡𝐞 𝐁𝐨𝐱 𝐭𝐨 𝐅𝐮𝐧𝐝 𝐘𝐨𝐮𝐫 𝐇𝐨𝐦𝐞 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞? 𝐃𝐢𝐬𝐜𝐨𝐯𝐞𝐫 𝐇𝐨𝐰 𝐒𝐮𝐩𝐞𝐫𝐚𝐧𝐧𝐮𝐚𝐭𝐢𝐨𝐧 𝐂𝐚𝐧 𝐁𝐞 𝐏𝐚𝐫𝐭 𝐨𝐟 𝐘𝐨𝐮𝐫 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲! 💡🏠 𝑪𝒂𝒏 𝒀𝒐𝒖 𝑼𝒔𝒆 𝑺𝒖𝒑𝒆𝒓 𝒕𝒐 𝑩𝒖𝒚 𝒂 𝑯𝒐𝒖𝒔𝒆? Superannuation is usually thought of as a way to save for retirement, but did you know there are options to tap into it to help fund a home purchase? Here’s a quick rundown: 𝟏. 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐒𝐮𝐩𝐞𝐫 𝐒𝐚𝐯𝐞𝐫 (𝐅𝐇𝐒𝐒) 𝐒𝐜𝐡𝐞𝐦𝐞 The FHSS scheme allows first-home buyers to supercharge their deposit savings through extra super contributions. By saving in super, first-time buyers can benefit from tax advantages, ultimately building their deposit faster. 𝟐. 𝐒𝐞𝐥𝐟-𝐌𝐚𝐧𝐚𝐠𝐞𝐝 𝐒𝐮𝐩𝐞𝐫 𝐅𝐮𝐧𝐝 (𝐒𝐌𝐒𝐅) 𝐟𝐨𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 If you’re interested in buying an investment property, using an SMSF could be an option. Through strict regulations, SMSFs can help investors leverage superannuation to buy property. This path requires careful planning and is best done with professional guidance. 𝟑. 𝐀𝐜𝐜𝐞𝐬𝐬𝐢𝐧𝐠 𝐒𝐮𝐩𝐞𝐫 𝐎𝐧𝐜𝐞 𝐘𝐨𝐮’𝐫𝐞 𝟔𝟎+ Once you reach preservation age (typically 60+ and retired), you have more flexibility with your super. You can withdraw funds to use for a home or other purposes, but keep in mind the tax implications and impact on your retirement. 𝑾𝒉𝒚 𝑪𝒐𝒏𝒔𝒊𝒅𝒆𝒓 𝑼𝒔𝒊𝒏𝒈 𝑺𝒖𝒑𝒆𝒓? With property prices on the rise, maximising your deposit strategy can make a significant difference. While using super isn’t as straightforward as pulling money from your account, it’s a route worth exploring if you’re looking for long-term financial growth. 𝑵𝒆𝒆𝒅 𝑯𝒆𝒍𝒑 𝑵𝒂𝒗𝒊𝒈𝒂𝒕𝒊𝒏𝒈 𝑺𝒖𝒑𝒆𝒓 𝒂𝒏𝒅 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚 𝑩𝒖𝒚𝒊𝒏𝒈?Get in touch to see how a tailored plan might work for your unique situation! #BrayePropertyBuyersAgency #superannuation #Superfund #retirement #retirementinvestment #SMSF #propertyinvestment #investors

🏠💡 𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐎𝐮𝐭𝐬𝐢𝐝𝐞 𝐭𝐡𝐞 𝐁𝐨𝐱 𝐭𝐨 𝐅𝐮𝐧𝐝 𝐘𝐨𝐮𝐫 𝐇𝐨𝐦𝐞 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞? 𝐃𝐢𝐬𝐜𝐨𝐯𝐞𝐫 𝐇𝐨𝐰 𝐒𝐮𝐩𝐞𝐫𝐚𝐧𝐧𝐮𝐚𝐭𝐢𝐨𝐧 𝐂𝐚𝐧 𝐁𝐞 𝐏𝐚𝐫𝐭 𝐨𝐟 𝐘𝐨𝐮𝐫 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲! 💡🏠 𝑪𝒂𝒏 𝒀𝒐𝒖 𝑼𝒔𝒆 𝑺𝒖𝒑𝒆𝒓 𝒕𝒐 𝑩𝒖𝒚 𝒂 𝑯𝒐𝒖𝒔𝒆? Superannuation is usually thought of as a way to save for retirement, but did you know there are options to tap into it to help fund a home purchase? Here’s a quick rundown: 𝟏. 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐒𝐮𝐩𝐞𝐫 𝐒𝐚𝐯𝐞𝐫 (𝐅𝐇𝐒𝐒) 𝐒𝐜𝐡𝐞𝐦𝐞 The FHSS scheme allows first-home buyers to supercharge their deposit savings through extra super contributions. By saving in super, first-time buyers can benefit from tax advantages, ultimately building their deposit faster. 𝟐. 𝐒𝐞𝐥𝐟-𝐌𝐚𝐧𝐚𝐠𝐞𝐝 𝐒𝐮𝐩𝐞𝐫 𝐅𝐮𝐧𝐝 (𝐒𝐌𝐒𝐅) 𝐟𝐨𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 If you’re interested in buying an investment property, using an SMSF could be an option. Through strict regulations, SMSFs can help investors leverage superannuation to buy property. This path requires careful planning and is best done with professional guidance. 𝟑. 𝐀𝐜𝐜𝐞𝐬𝐬𝐢𝐧𝐠 𝐒𝐮𝐩𝐞𝐫 𝐎𝐧𝐜𝐞 𝐘𝐨𝐮’𝐫𝐞 𝟔𝟎+ Once you reach preservation age (typically 60+ and retired), you have more flexibility with your super. You can withdraw funds to use for a home or other purposes, but keep in mind the tax implications and impact on your retirement. 𝑾𝒉𝒚 𝑪𝒐𝒏𝒔𝒊𝒅𝒆𝒓 𝑼𝒔𝒊𝒏𝒈 𝑺𝒖𝒑𝒆𝒓? With property prices on the rise, maximising your deposit strategy can make a significant difference. While using super isn’t as straightforward as pulling money from your account, it’s a route worth exploring if you’re looking for long-term financial growth. 𝑵𝒆𝒆𝒅 𝑯𝒆𝒍𝒑 𝑵𝒂𝒗𝒊𝒈𝒂𝒕𝒊𝒏𝒈 𝑺𝒖𝒑𝒆𝒓 𝒂𝒏𝒅 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚 𝑩𝒖𝒚𝒊𝒏𝒈?Get in touch to see how a tailored plan might work for your unique situation! #BrayePropertyBuyersAgency #superannuation #Superfund #retirement #retirementinvestment #SMSF #propertyinvestment #investors

Thinking about buying property? Self-Managed Super Funds (SMSFs) could be your perfect solution! Here’s how SMSFs can help you achieve property ownership in Australia. What is an SMSF? An SMSF is a private superannuation fund that you control, allowing you to invest in assets like property. Benefits of Using an SMSF to Buy Property Control Over Investments You decide how to invest your super, choosing properties you believe in. Tax Benefits Rental income from SMSF-owned properties is taxed at 15%, and can be tax-free in retirement. Diversification Investing in property diversifies your assets, reducing risk and increasing potential returns. Higher Returns Real estate in Australia has strong growth potential, offering higher returns than traditional super funds. Leverage SMSFs can borrow money to buy property, allowing you to invest in more valuable assets. Estate Planning SMSFs offer flexibility in distributing benefits to your beneficiaries according to your wishes. Considerations Managing an SMSF requires time and effort. Ensure you stay compliant with superannuation laws to avoid penalties. Is an SMSF Right for You? SMSFs aren’t for everyone, but for those willing to put in the work, the rewards can be significant. It’s a great way to control your retirement savings and build wealth through property investment. Ready to Explore SMSFs for Property Investment? Learn more about SMSFs and property investment with ScaleMortgage. Our experts are here to guide you every step of the way. Find out more at: https://lnkd.in/eYHAMa_C #SMSFbenefits #PropertyOwnership #SuperannuationInvesting

Can anyone assist me from SEI with the following? SEI are taking over ex employees of Capita Atlas Mastertrust Pensions, whilst the pensions of current employees of Capita are being moved over to Scottish Widows. Therefore I am trying to find on the various SEI websites the performance data of the following funds that are only available. As the websites are not very user friendly for any potential investor. As sadly SEI don't have all the same funds as the Atlas Master Trust. And I don't want my pension transferred into a default scheme. I've been averaging 5% performance a month since 2017 on the Atlas Master Trust where I have control in what funds I invest in. My current employers pension I am averaging 50% performance a month, but that is due to the pension provider having more available funds and links to daily prices that I monitor. Sadly I am unable to transfer the Atlas pension to my current employer, despite putting a request in to Atlas in June. And them taking 4 months to acknowledge my request. Stating it is too late due to the transfer to SEI. Where my new SEI pension will then go "Dark" for several months....... 😫 I require links so I can see the performance or daily prices of the following SEI funds that will only be available to me. I've done a google search which is no use, turns out there are several types of SEI Aggressive Funds. The funds that I will only have access to are: SEI Defensive Fund SEI Moderate Fund SEI Core Fund SEI Growth Fund SEI Aggressive Fund SEI UK Equity Fund SEI MT Global Equity Fund SEI Factor Allocation Global Equity Fund SEI Small Cap Select Fund SEI Emerging Markets Equity Fund SEI MT UK Equity Index Tracker Fund SEI MT Europe (ex UK) Equity Index Tracker Fund SEI MT North American Equity Index Tracker Fund SEI MT Asia Pacific (ex Japan) Equity Index Tracker Fund SEI MT Japan Equity Index Tracker Fund SEI MT Climate Transition Equity Index Tracker Fund SEI MT Sustainable Equity Fund SEI MT Global Impact Equity Fund SEI MT Shariah Compliant Fund SEI UK Core Fixed Interest Fund SEI Global Fixed Income Fund SEI Global Opportunistic Fixed Income Fund SEI MT UK Conventional Gilts over 15 years Fund SEI MT UK Index Linked Gilts over 5 Years Fund SEI MT Sterling Liquidity Fund SEI MT UK Ethical Corporate Bond Fund SEI MT UK Direct Property Fund Total Many thanks. #Pensions #Finance #capita #SEI