Yes. However this will depend on the amount you have invested in Superannuation. See our web site choice of Funds for existing Superannuation monies and future Superannuation contributions.

Yes, if you have a Self-Managed Superannuation Fund (where you are legally responsible for your own superannuation), then you could look at investing in our Funds as part of your superannuation investment strategy. In fact, many of our investors are investing through their Self-Managed or DIY Superannuation Fund. We suggest you seek independent advice. There are a number of ways to define and measure risk.

A DIY superannuation fund is an individual, family or small business-based fund that consists of one to four members. There are two types of DIY super funds: Small APRA Fund (SAF) and Self-Managed Super Fund (SMSF).

Crea & Co prefer something with the name Super in it as everyone then knows the purpose of the Fund. However you do not need to have Super or your own name for your Fund e.g. if your name is Bill and Maria Jones, you could call it: You could call it some special or family name e.g. Maria's maiden name may have been Ruggiero so you may decide to call the Fund Ruggiero Super Fund.

A Self Managed Superannuation Fund is a Superannuation Fund that is managed by you and regulated by the Australian Taxation Office (ATO). All the members of the fund must be trustee of the fund.

Do-It-Yourself superannuation fund is an informal name for a Self-Managed Superannuation Fund (SMSF). Self-Managed Super Fund is a superannuation fund that is regulated by the Australian Taxation Office (ATO) and all members of the fund are trustees of the fund. There are exceptions to this rule, such as, a member who is a minor, or, one who is under legal disability. In such cases, regulatory provisions state that a member of the SMSF cannot be the trustee of the fund.

You can decide to do nothing about choice of superannuation funds. There is no obligation for you to do anything. If you don’t fill in the standard choice form your superannuation will be paid into WA Local Government Superannuation Plan. . Copyright © 2005 WALGSP AFSL #269006 RSE #L0001137 RSE REG #R1004380 | Disclaimer | Privacy Statement | Site Map

If you want to save for a comfortable and secure retirement, you may need to make additional contributions to your DIY Super Fund. Due to the lower tax rate on income, it is the most tax effective way to accumulate funds for retirement.

Ask the employee to complete a Consolidate your Super Form and send it to us and we will then arrange the transfer on your employee's behalf. You can download this form from the website (in Forms and Publications) or by calling AustSafe Super weekdays 8.30am-5pm (EST).

New laws come into force on 1 st July 2005 which will allow fund members to choose a fund of their own choice rather than one chosen by their employer. Some employees in government or certain awards will not be eligible. Your employer will give you a form by July 28, which allows you to nominate a new fund or stay with the existing one.

Tax is paid on contributions & investment earnings. The Maximum tax payable on super fund earning is 15%, this tax is reduced by franking credits received by the fund

Note: This FAQ has been prepared primarily to address issues raised in relation to employers communicating to employees about choice of superannuation fund (‘super choice’).

Transferring your other super account(s) into your Westscheme account could increase your retirement savings by reducing your costs. Westscheme does not charge a fee to recover your rollover(s), although your other account may. Before you decide to transfer your other super account(s) into Westscheme, it???s a good idea to make sure you don???t lose out on benefits and entitlements by leaving your existing fund(s).

Instead of purchasing individual stocks and bonds, a fund of funds selects, purchases, and sells mutual funds. Literally, a fund of funds is a mutual fund of mutual funds. We believe mutual funds represent an improved investment to individual stocks because of the added stability brought by the fund's diversification. However, there are now over 20,000 mutual funds available in the market.

Yes. To make this easier for you we have designed a form, called a Benefit Transfer form, which you can complete and send to your old fund. This form contains all the information on AvSuper that they will need and you can download it from the Forms and Publications area of this website. No fee is charged by AvSuper for the transfer, however, your old fund may charge an exit fee.

It was previously mentioned that a complying superannuation fund is essentially a regulated superannuation fund that meets the operational standards of SISA. Complying superannuation funds are taxed concessionally (i.e. a complying fund is taxed at a rate of 15% while a non-complying superannuation fund is taxed at 47%).

No. We are not a superannuation fund. If you have self-administered superannuation, then it is possible to invest as part of your investment strategy and we would strongly suggest that you seek advice.

Most Summer sheds are suitable for DIY assembly. Assembly is a straightforward and satisfying project for any DIY enthusiast. Even large sheds can be installed with only basic tools, such as a hammer, a screwdriver, a power drill, a spirit level, an adjustable spanner, a knife, a stepladder and safety goggles. Particular care is required when handling glass and good quality gloves should be worn at all times. You should not attempt to lift heavy sections without a helping pair of hands.

Most Summer summerhouses are suitable for DIY assembly. Assembly is a straightforward and satisfying project for any DIY enthusiast. Even large summerhouses can be installed with only basic tools, such as a hammer, a screwdriver, a power drill, a spirit level, an adjustable spanner, a knife, a stepladder and safety goggles. Particular care is required when handling glass and good quality gloves should be worn at all times.

Most Summer greenhouses are suitable for DIY assembly. Assembly is a straightforward and satisfying project for any DIY enthusiast. Even large buildings can be installed with only basic tools, such as a hammer, a screwdriver, a power drill, a spirit level, an adjustable spanner, a knife, a stepladder and safety goggles. Particular care is required when handling glass and good quality gloves should be worn at all times.

Most Summer playhouses are suitable for DIY assembly. Assembly is a straightforward and satisfying project for any DIY enthusiast using only basic tools, such as a hammer, a screwdriver, a power drill, a spirit level, an adjustable spanner, a knife, a stepladder and safety goggles. You should not attempt to lift heavy sections without a helping pair of hands. Remember that extra time spent preparing a good base is normally repaid with time saved later on during the installation.

Each Trust is structured as a unit trust. Complying and self managed superannuation funds can participate in each Offer. Opus Capital expects each Trust will be a widely held trust pursuant to Subdivision C of Division 1 of the Superannuation Industry (Supervision) Act 1993 and will thus be an allowable investment for trustees of superannuation funds.

The "Choice of Fund" legislation allows many employees to choose the superannuation fund their employer makes superannuation guarantee (SG) contributions into from 1 July 2005. The Choice of Fund legislation is designed to encourage employees to take a greater interest in their superannuation. Enabling employees to choose where their contributions are applied allows them to take greater control in the accumulation of their retirement savings.

Upon retirement, you will have more tax-effective investment choices for your retirement income stream.

No, your superannuation may only remain in the Fund once you reach age 65 if you have worked 240 hours in the previous financial year. At the end of the financial year in which you cease to meet this criterion, your benefit must be paid out.

Setting up a SMSF is not for everyone. People considering a SMSF must familiarize themselves with the requirements and obligations of running a fund. We are able to provide you with basic fact sheets released by the ATO.

A key area of responsibility for trustees of SMSFs is investment management. SISA places certain duties and responsibilities on trustees when making investment decisions. They aim to protect and increase member benefits over time for retirement purposes. Trustees are required to prepare and implement an investment strategy for the SMSF. The strategy must reflect the purpose and circumstances of the fund.

Ask the employee to complete a Portability Request Form and send it to us and we will then arrange the transfer on your employee???s behalf. You can download this form (in Forms and Publications) or by calling AustralianSuper weekdays 8am-8pm (EST).