SMSF Investment Strategies - CapitalQ

SMSF Investment Strategies

Every self-managed superannuation fund MUST have a documented Investment Strategy!  It is a requirement of the Superannuation Industry (Supervision) Act 1993 (“SIS Act”), the primary legislation governing SMSFs.

Section 52(6) of the SIS Act (and its Regulation 4.09(2)) provide that the trustee(s) of the fund must implement, and regularly review, an Investment Strategy taking into account –

  • the risks associated with the investments covered by the strategy,
  • the diversification of those investments,
  • the liquidity of those investments,
  • the fund’s ability to meet its liabilities,
  • amongst other considerations.

The fund is also required to consider the insurance needs of the members and determine whether it is appropriate to meet those needs within the self-managed superannuation fund environment on their behalf.

Now as of July 2016, Accountants may only provide advice and assist with the formulation of your fund’s Investment Strategy if they hold an Australian Financial Services Licence (“AFSL”).

Holding our own Licence allows us to provide this service, free from the biases of of a large Financial Planning Dealer Group and the Banks.

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What our customers say

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Duncan Melbin’s firm first became the business accountants for Exploration Data Services, and my Family, when he was still a Graduate Accountant some 16 years ago. Myself and my late business partner have followed him ever since!

In the early days Duncan was very proactive in regards to fine tuning our business structure and the benefits of getting the structure right early are still flowing today.

Throughout my time working with Duncan he has played a key role in ensuring our tax affairs have always been in order and our tax obligations have always been minimised and well managed.

Duncan has also played a key role in ensuring my Family and I have adequate wealth protection in place and that we have maximised our wealth creation including through a regular superannuation contribution strategy and the use of a self-managed super fund that keeps us engaged, in control and to a large extent free from the perils of the GFC.

More recently we took the opportunity to outsource our entire back office accounting function to CapitalQ including switching our accounting and invoicing to Xero. I now spend barely any time at all on my monthly accounting and Activity Statement lodgements, as CapitalQ have it all in hand. This allows me to focus on running my business better, and frankly to have more time to enjoy the spoils of a life in business.

I work closely with Kapil Bhasin, our Client Manager, and Peter Melbin, our outsourced Bookkeeper, and they are clearly very valuable assets for CapitalQ.

Working with Duncan, Kapil and Peter is very easy, they respond promptly to any queries I have and most importantly I have complete trust in the advice they give me and that my business affairs are being well looked after. I would recommend CapitalQ to any potential client without reservation.

So if you own a small business or are looking to grow your wealth I highly recommend you speak to the CapitalQ Team. They will give you good advice, and ensure you are on track for a sound business and financial future (and outsourcing your back office accounting process to them, and switching to Xero, will be two of the best business decisions you will make).

Michael Gray

Director - Exploration Data Services (Perth)

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