There are now roughly 600,000 SMSFs in Australia, each investing on average $1,000,000 within their fund.

These numbers continue to increase each year as more people elect to invest their own savings to take more control and provide an appropriate level of income in their retirement.

With the stakes so high and large amounts of money involved, it is vital for SMSF members to have their finger on the pulse.

Each investment comes with its own nuances and not every type of investment will be appropriate for you. Feel free of course to reach out to us here at Endorphin if you have any questions or would like to discuss how we could assist you to manage your investments.

Shares

The ability to become a shareholder or part owner of a company has long been a staple of Superannuation investments. If the company you have chosen is successful, you will likely benefit from an increased value to your shares and/or an income stream in the form of dividends from the company’s profits. In contrast, if the company is struggling, you may see the value of your investment decline and/or no dividends paid out at all.

In your SMSF, a focus on quality companies that deliver consistent dividends are often highly sought after to increase the value of your fund or replace the funds you are withdrawing if you’re lucky enough to be enjoying your retirement. In Australia, companies like Telstra and Wesfarmers are currently offering attractive fully franked dividends to contribute to your cash flow.

12One of the benefits of modern technology is being able to invest in global companies in your SMSF as well. Do you see almost everyone on the train on their phone or tablet? Might Apple, Google or Facebook continue to be profitable companies in the future? Apple’s share price recently jumped 11.67% in just four days after the new iPhone7 was launched.

Do you believe that the growing middle class in Asia will lead to more disposable income and more motor vehicle and life insurance policies being required? There are companies that stand to benefit from nearly every scenario or trend around the world and fortunately there are investment options that you can take advantage of also.

Hybrids

Hybrid investments are essentially a method for companies to borrow money from investors in exchange for coupon payments. The name Hybrid is due to the investment’s ability to contain characteristics of both debt and equity investments, and is generally regarded as a more conservative investment than shares in the company itself.

Like an investment in debt, typically there is a promise to pay a rate of return until a certain date. There can also be features that resemble equities, however often, a future ‘call’ date where capital is offered back to the investor at a pre-determined rate.We have found a select few Hybrid securities to be worthy of an investment including some offered by Australian banks and Health Care providers that can offer franking credits as an added bonus.

Bonds

Bonds are a small step up the risk curve from Term Deposits and are utilised in portfolios to reduce the overall volatility of your SMSF funds. Governments and companies from all around the world are regularly seeking additional cash to fund expansion projects, and bonds are a method by which investors can loan them money in exchange for regular interest payments.

It should be mentioned that not all bonds are created equal. Some global governments and companies are certainly riskier than others. And whilst past performance is not a reliable indicator of future performance, some bond fund managers have been returning as much as 8.34% per year to their clients over the last 10 years after fees. Bonds are a good way to stabilise

Property

Australia’s most favoured asset class is most commonly referred to as ‘bricks and mortar’. Property has its own specific risks and challenges that will need to be considered before investing in property through your SMSF.

Unsurprisingly, since the government has allowed for SMSFs to own property directly, investors have been looking for opportunities to take advantage of the preferential taxation treatment compared to owning the property in their own name.

SMSF investors will need to consider a few important factors before committing to a purchase:

  • Does the property match my attitude towards risk?
  • Do I have the cashflow within the fund to cover any repairs, council rates, water rates or unforeseen expenses?
  • Do I understand that I need to hold the property for the long term to allow for downturns and large expenses such as stamp duty and agent’s commission?
  • Can I achieve adequate diversification within the fund?
  • Is my SMSF actually able to borrow the money needed to purchase the property?

As with all investments, it requires a lot of thought and consideration into the potential benefits and risks involved. No matter where you’re at with your Superannuation, we’re happy to have a no-obligation chat with you. There won’t be any pressure to take any particular path – just a good coffee and honest advice relevant to your circumstances.

For an obligation free conversation about your financial future, please contact us.

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Endorphin Wealth Management
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Rebecca Wadley
Rebecca Wadley
04:56 04 Jun 20
Justin and the team at Endorphin Wealth are professional, trusted advisors who provide good quality service with the... client at the heart of all they do. Their approach is quite unique and customer centric. I would have no hesitation in referring my clients, friends and family through to Justin and the Endorphin Wealth team.read more
Vanessa Doller
Vanessa Doller
07:13 02 Jun 20
I wholeheartedly endorse Rob Rich and his team at Endorphin Wealth. When it comes to financial advice you want the... best. Rob is so knowlegable, passionate about his clients future, and, really takes the time to get to know you as a person and understands your situation, to then be able to advise accordingly. Rob is someone you want on your team to help you create personal financial security for your future.read more
Natasha Barton
Natasha Barton
00:16 01 Jun 20
I have been dealing with Phillip and the team at Endorphin Wealth for approximately 18 months. They have helped me a... great deal with both defining my financial goals, and putting a plan in place to achieve them. The team have always been professional and responsive. I highly recommend Endorphin Wealth for anyone looking to secure their financial future.read more
Suzanne Diprose
Suzanne Diprose
21:52 26 May 20
Roberts understanding of financial management is extensive - so is his understanding of people and their needs. Highly... recommended.read more
Glenn Hill
Glenn Hill
02:19 23 Apr 20
I approached Endorphin Wealth with a really complex problem that I genuinely thought had no solution. The level of... attention, respect, and care David Patterson and Phillip Richards afforded me is completely invaluable. Their advice has made a significant and tangible difference; I can not recommend them highly enough.read more
Alana Blizzard
Alana Blizzard
22:31 22 Apr 20
Robert was Fantastic to deal with! Super friendly and very personable. We were not experienced and unsure of what we... needed/was best for us but Robert guided my partner and I through everything clearly and always answering any concerns we may have had. Very informative, easy to deal with and friendly.Thanks for all your help 🙂read more
Sharon Vidot
Sharon Vidot
22:19 09 Mar 20
Robert is a great listener and invested in what is important to you. If you want to work with someone who cares about... you and leads with integrity then he is the man to help you down your financial path.read more
Chris Chivers
Chris Chivers
09:03 19 Feb 20
Upon a recommendation through a friend, we contacted Rob to discuss our financial position and to seek his guidance for... our future aspirations. Rob has been fantastic! His knowledge of all things financial has been very impressive, but also, his genuine concern and interest in what we were looking for, has meant we can seek advice at any time.We couldn’t recommend Rob highly enough to anyone who’s looking for a trusted and professional financial wiz!read more
amair arif
amair arif
12:55 03 Feb 20
Excellent and expertise financial advise from Justin Hooper. Great help in managing my super funds and educated me well... of whole process. Great skills and management, very well presentation of process which makes me understand well. Thanks Justin for wonderful service, making whole process smooth. Highly Recommended. 👏👏👏👍🏻👍🏻read more
Brigid Butler
Brigid Butler
08:55 29 Jan 20
Robert has been a joy to work with. He puts you at ease and explains everything in an easy to understand way. He asked... pertinent questions about my personal situation so he could come up with a financial plan that would ensure that I can live the life I want going forward. He is friendly, caring, passionate about his work and always responds promptly to emails and phone calls. I consider myself very lucky to have met him.read more
Mitchell Brereton
Mitchell Brereton
22:26 14 Jan 20
I was recommended to Justin last year and he was been amazing. In the 9 months of working with him he has given me a... clear vision and goal of my financial situation for the next 20+ years. He always answers the phone & I feel much more at ease now that i have Justin's guidance. Could not recommend him any higher!read more
Gerard P
Gerard P
00:58 30 Nov 19
Robert is fantastic. He helped me to clarify my financial goals and to put in place a clear plan to achieve them. He is... a pleasure to work with and I highly recommend his services.read more
Caradi Miller
Caradi Miller
00:42 16 Nov 19
Robert was recommended to me via my accountant. From our very first phone call I knew that Robert was the person to... help me with setting up my financials for my future retirement. His easy going, friendly and knowledgeable personality makes talking and doing finances a breeze. I highly recommend Robert for all matters regarding personal and SMSF finances.read more
Andrew Di Luciano
Andrew Di Luciano
23:29 09 Sep 19
My Financials was a mess from Savings to Super, i was hesitant to approach anyone with my financials but i needed to do... something fast, I approached Robert after i saw some reviews online, i received a warm welcome from Robert and Staff at Endorphin Wealth Management, I explained my situation, Robert introduced me to a couple more people to get my credit in order as well as my taxes, Robert took care of the rest, he immediately went to work and got all my super in order and we even started a personal portfolio thinking about the long term, i am better off financially now that i have everything in order and visible. I highly Recommend Robert and this team for his knowledge, support and keen eye for detail. 🙂👍 - 5 Star Rating ✨✨✨✨✨read more
Sue Curry
Sue Curry
23:57 02 Sep 19
We recently decided it was time to get our finances in control and look to our future retirement. On a recommendation... from a work colleague, we contacted Robert from Endorphin Wealth to help. Robert was professional, knowledgeable and a delight to deal with. He took away our stress and streamlined our finances and investments, personalizing everything to suit our individual needs and circumstances. Both my partner and I would highly recommend Robert to anyone looking to secure their future finances and investments.read more
Timothy Mannix
Timothy Mannix
01:42 09 Aug 19
I am extremely happy with the attention and care Rob has provided us from Endorphin over the past 18 months. No query... is too insignificant or small for his attention and his advice and management has certainly helped me become more confident and feel more secure about my future planning. Thank you Rob!read more
Ann M
Ann M
08:17 16 Jul 19
I have been working with Glenn for around 6 years. His advice over that time has help me build my superannuation &... retirement assets to a point where I can afford to retire. Around 6 months ago I decided that I wanted to formally retire. Glenn discussed importance of retiring to something and we spent time developing my vision for retirement. This included spending more time with my family, learning how to paint, mentoring my grandchildren, and keeping active by joining a swimming class. He also discussed the important lifestyle benefits that my work provides and how I can replace these once I leave the workforce. This holistic approach is true retirement planning. Because of Glenn I’m confident that I not only have enough money to retire but will also live a fulfilling and energising retirement.read more
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Sanjeev helped us achieve our short and long term financial goals by providing a clear advice, and sometimes even going out of his way to ensure best possible outcomes for us. He is easily approachable and takes a genuine interest in his clients. I have no hesitation in recommending Sanjeev to our friends, family and colleagues.

Mihir

Compared to other advisers I had met, the difference with Ray was he seemed to care, and our chat was extremely tailored toward my complex goals and structures I had in place. He runs my SMSF and has re-organised my legal structures and recommended me a new accountant and saved a fair amount of money in the process. The best way I can express my high praise and gratitude is via this review!

Stevan

Glenn Malkiewicz has been a great help in setting up my finances for post retirement. He explained everything clearly in words I could understand and answered my questions promptly and succinctly. I now feel very comfortable about my future going forward. His friendly manner makes him a pleasure to work with. I look forward to consulting with him in the future.

Michael O’Mara

Rob has been amazing to deal with. He is so kind and considerate – especially recently when he developed a plan for my Mum who was struggling to live on a part pension. Rob has changed my Mum’s life..and mine! Thank you Rob! We are forever in debt to you!

Jennifer Pitson

Phillip and the team at Endorphin have looked after my financial affairs for a few years now and I could not be happier. They are pro active with communication, experts at investment advice and are friendly and great to deal with. They are my trusted financials professionals. I highly recommend them if you are looking for a financial planning team that will look after you for the future.

Stuart Coulthard

Rob and Phil and their wonderful team provide excellent service with the unique combination of award winning professional insights, personalised service and real and genuine care about our future

David Klingberg

Glenn discussed importance of retiring to something and we spent time developing my vision for retirement. He discussed the important lifestyle benefits that my work provides and how I can replace these once I leave the workforce. Because of Glenn I’m confident that I not only have enough money to retire but will also live a fulfilling and energising retirement.

Ann M

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