Sinclair Wilson    |    Self-Managed Super Funds   -   Portability, consolidation & accessibility

A self managed fund is fully portable and can therefore be used not only during your life time but also your spouse’s and your children’s. It is an excellent tool for generational wealth and estate planning.

A change of employer does not mean a change in Superannuation Fund Provider.

You can roll over benefits held in other superannuation funds, approved deposit funds or deferred annuities. When you retire, if you do not wish to take a lump sum or part thereof, the fund can be used to pay a pension. If you do not wish to receive your retirement benefits at that time, the money can be left in the fund, with earnings only being taxed at 15%. If any part of these benefits is unpreserved then you can draw down on them at anytime.

Rate of return
This will depend largely upon your strategy and risk perception with the investments chosen.

Protection
Superannuation assets are generally protected upon bankruptcy.