Investments
By investing into Solution F's highly structured Asset Class Portfolios, you can be assured that your investment will maintain maximum diversification, minimised risk and consistent market performance.
If you are seeking a high level of capital growth you would allocate more of your capital into shares and listed property.
If you are seeking a higher income return to fund lifestyle objectives, or looking to reduce performance volatility within your portfolio, you would allocate a higher proportion of your portfolio into fixed interest or income investments.
CloseGearing an investment involves borrowing money to invest. Gearing allows you to invest more than you could otherwise invest using your capital alone, and is a proven method to help enhance long term performance on a portfolio.
Gearing your portfolio will allow you to enjoy many tax efficiencies, such as tax deductions available on borrowed funds invested for an income generating purpose, as well as higher franking credits paid on Australian share investments.
You can structure your geared portfolio to be positively or negatively geared, depending on your personal requirements, and portfolios can be internally funded if necessary.
In the short term, leverage achieved through gearing can result in higher negative returns during market downturn, as well as higher positive returns during periods of market growth. As such, gearing is a risky strategy which means you should only undertake gearing if you have a long term investment horizon.
CloseIncreasing numbers of high-net-worth individuals are establishing their own charitable foundations, which allow them to give to charities in a more controlled and tax effective manner.
CloseA person to whom property or investment is legally committed in trust, to be applied for the benefit of specified individuals.
CloseThe term family trust refers to a discretionary trust set up to hold a family's assets or to conduct a family business. Generally, they are established for asset protection or tax purposes.
Closesuperannuation
Using our structured Asset Class Portfolios, Solution F is able to provide you with a cost effective and highly diversified superannuation investment.
Superannuation, in its accumulation phase, provides a tax effective environment, which helps to accumulate capital for use during retirement.
CloseOnce you have retired from the workforce and have met the preservation age requirements, your accumulated superannuation assets can be converted into a pension, which will provide you with monthly income to enjoy during retirement.
CloseAn Annuity is a fixed term investment that provides you with a guaranteed regular income for a selected term, in exchange for an initial lump sum investment amount. You can purchase the investment with either superannuation money or with private investment monies.
Annuities are generally undertaken by more conservative retirees and investors, seeking a regular income stream.
CloseGenerally a superannuation fund is a self managed superannuation fund if (with a few exceptions):
- it has four or fewer members.
- no member of the fund is an employee of another member of the fund, unless they are related.
- each member is a trustee, and
- no trustee of the fund receives any remuneration for their services as a trustee.
Or
A self managed superannuation fund can have a company as a trustee (known as a corporate trustee) if:
- the fund has four or fewer members.
- each member of the fund is a director of the company.
- no member is an employee of another member, unless they are related.
- the corporate trustee does not receive any remuneration for its services as a trustee, and
- no director of the corporate trustee receives any remuneration for their services as a director in relation to the fund.
Employees cannot be in the same self managed superannuation fund as an employer member, unless they are related.
Whilst Solution F is able to assist you with your existing Self Managed Super Fund and it's investment strategy, if you are thinking of becoming a trustee of a self managed superannuation fund, Solution F recommends that the decision not be taken lightly.
As a trustee, you are responsible for ensuring your fund complies with the Superannuation Industry (Supervision) Act 1993 (SIS Act) and other relevant legislative and administrative requirements.
If your SMSF is found to be non-compliant there are serious taxation consequences.
Your responsibilities as a trustee include:
- lodging an annual income tax return and superannuation fund annual return.
- lodging Superannuation member contribution statements.
- appointing an approved auditor to complete the annual audit.
- maintaining records for up to ten years.
- complying with investment requirements, and
- ensure the trust deed is maintained and kept up to date with legislative changes.
Some of the key restrictions under the SIS Act include:
- meeting the sole purpose test.
- not accessing your money without meeting a specific condition of release, and
- not providing loans or financial assistance to members or relatives.
Closeprotection
Solution F is able to offer you a complete range of personal insurance coverage, ranging from cost effective cover provided through Super to comprehensive Personal Protection policies.
Life insurance established through Solution F is designed to provide you with a lump sum payment made to your nominated beneficiaries, upon proof of your death.
Capital paid from life insurance is an effective way to remove your family debts and provide an ongoing income stream to your surviving dependants, to help them maintain a good quality of life following tragic circumstances.
CloseTPD insurance established through Solution F provides a lump sum payment to you, in circumstances causing you to become totally and permanently disabled, according to the definition and medical specifications of TPD by the insurer.
Total and Permanent disability generally reflects situations where you are so disabled, that you are no longer able to care for yourself in the normal way (i.e. bathing, dressing, mobility etc). TPD is therefore not the same as Critical Illness insurance, as there is some chance of you recovering to a normal life after suffering a Critical Illness.
CloseSolution F can facilitate Critical Illness insurance, which is designed to pay you a lump sum benefit on the diagnosis of a specific illness, according to the definition of the insurer.
The cover provides you with protection in cases of suffering major traumatic health conditions, such as heart attack, stroke, cancer, coronary artery surgery, kidney failure, intensive care among others.
Closeestate planning
Solution F can assist you in completing an appropriate and comprehensive estate plan so you can then forget about it...
In the case of your death, your will should provide appropriate guidelines for your executor outlining how you wish for your complete estate to be distributed and to whom you wish to benefit.
Solution F can assist in the process of establishing your will.
CloseIn case you ever become physically or mentally incapacitated and unable to act for yourself, your nominated Enduring Power of Attorney can quickly assume responsibility for any of your personal business and financial matter, which require attention.
Solution F can assist in the process of establishing your Power of Attorney.
CloseIn case you ever become physically or mentally incapacitated and unable to act for yourself, your nominated Enduring Guardian can quickly assume responsibility to make any required personal lifestyle, care or medical decisions on your behalf.
Solution F can assist in the process of establishing your Enduring Guardianship.
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