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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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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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.

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!

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.

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

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.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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