SMSF Investment Strategy Preparer
Fund Details
Please complete all details as applicable.
Fund Name
*
Fund Trustee Type
Individual
Corporate
Corporate Trustee Name
Trustee #1 Name
*
First Name
Last Name
{trustee1} Email
*
example@example.com
{trustee1} DOB
-
Day
-
Month
Year
Date
Trustee Name #2
First Name
Last Name
{memberName6} Email
{memberName6} DOB
-
Day
-
Month
Year
Date
Trustee Name #3
First Name
Last Name
{memberName7} Email
{memberName7} DOB
-
Day
-
Month
Year
Date
Trustee Name #4
First Name
Last Name
{memberName8} Email
{memberName8} DOB
-
Day
-
Month
Year
Date
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Age Considerations
In the following section Trustees need to consider the age differences between members (if any) and how that might impact on the Fund’s Investment Strategy, if at all.
General Age Considerations
*
The Trustees have considered the age difference between the members and believe that it does not have any material impact on the Fund's investment strategy at this time.
The Trustees have considered the age difference between the members and recognise that changes may be required to the Fund's investment strategy in the future.
The Trustees are satisfied that the age difference of members has been taken into account when formulating the Fund's Investment Strategy.
The Trustees do not wish to address the matter of age in this Investment Strategy.
The Trustees prefer to detail their position below in their own words.
Age Consideration in the Trustees' own words
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Retirement Considerations
Anticipated Retirement Dates
Retirement Date - {trustee1}
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Day
-
Month
Year
Retirement Date - {memberName6}
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Day
-
Month
Year
Retirement Date - {memberName7}
-
Day
-
Month
Year
Retirement Date - {memberName8}
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Day
-
Month
Year
The Trustees have considered the difference between the anticipated retirement dates of the members and:
*
Believe that it does not have any material impact on the Fund's investment strategy at this time.
Recognise that changes may be required to the Fund's investment strategy in the future.
The Trustees are satisfied that the difference between the anticipated retirement dates of members has been taken into account when formulating the Fund's Investment Strategy.
Other, details provided in Notes section.
If any member intends to retire within the next 2 years, it may impact on the investment strategy of the Fund. In the following section please select the most appropriate response.
Member retiring in less than 2 years
*
The Trustees have considered the anticipated retirement date of each member and are satisfied that the Investment Strategy will continue to meet the needs of the members
The Trustees have considered the anticipated retirement date of each member and recognise that changes will be needed to the Investment Strategy to continue to meet the needs of the members
Not applicable – no members are retiring within 2 years
Other, details provided in Anticipated Retirements Notes Section
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Member Types - Accumulation, Pension and Mixed
If your Fund has members in both the accumulation and retirement phase, the requirements of each should be considered when determining the investment strategy. In the following section please select the most appropriate response.
{trustee1} Account Type
*
Please Select
Accumulation
Pension
Mixed (Accumulation & Pension)
Not Applicable (Non Member Trustee)
{memberName6} Account Type
*
Please Select
Accumulation
Pension
Mixed (Accumulation & Pension)
Not Applicable (Non Member Trustee)
{memberName7} Account Type
*
Please Select
Accumulation
Pension
Mixed (Accumulation & Pension)
Not Applicable (Non Member Trustee)
{memberName8} Account Type
*
Please Select
Accumulation
Pension
Mixed (Accumulation & Pension)
Not Applicable (Non Member Trustee)
Members in both Accumulation & Retirement
*
The Trustees have taken into consideration the different requirements of pension and accumulation members when formulating the Fund's Investment
The Trustees recognise that future changes may be required to the Fund's investment Strategy to manage the requirements of pension and accumulation members
Not applicable
Other, details provided in Anticipated Retirements Notes Section
Anticipated Retirement Dates Notes
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Member Insurance Considerations
Please Confirm the following
*
The Trustees acknowledge that they are required to consider the insurance needs of each member, including Life, Total & Permanent Disability and Income Protection Insurance.
In consultation with each member the Trustees have considered their insurance needs, with the results set out in the dropdown options below.
{trustee1} Life Insurance
*
Please Select
The Trustee is satisfied the member has an adequate level of life insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of life insurance WITHIN the fund
The Trustee is satisfied the member has no need for life insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain life insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain life insurance
The member declines to have life insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{trustee1} Total and Permanent Disability Cover (TPD)
*
Please Select
The Trustee is satisfied the member has an adequate level of TPD insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of TPD insurance WITHIN the fund
The Trustee is satisfied the member has no need for TPD insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain TPD insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain TPD insurance
The member declines to have TPD insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{trustee1} Income Protection Insurance
*
Please Select
The Trustee is satisfied the member has an adequate level of income protection insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of income protection insurance WITHIN the fund
The Trustee is satisfied the member has no need for income protection insurance
The Trustee recommends the member seeks advice in relation to their income protection insurance needs
The Trustee acknowledges the member is unable to obtain income protection insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain income protection insurance
The member declines to have Income Protection insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName6} Life Insurance
*
Please Select
The Trustee is satisfied the member has an adequate level of life insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of life insurance WITHIN the fund
The Trustee is satisfied the member has no need for life insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain life insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain life insurance
The member declines to have life insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName6} Total and Permanent Disability Cover (TPD)
*
Please Select
The Trustee is satisfied the member has an adequate level of TPD insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of TPD insurance WITHIN the fund
The Trustee is satisfied the member has no need for TPD insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain TPD insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain TPD insurance
The member declines to have TPD insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName6} Income Protection Insurance
*
Please Select
The Trustee is satisfied the member has an adequate level of income protection insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of income protection insurance WITHIN the fund
The Trustee is satisfied the member has no need for income protection insurance
The Trustee recommends the member seeks advice in relation to their income protection insurance needs
The Trustee acknowledges the member is unable to obtain income protection insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain income protection insurance
The member declines to have Income Protection insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName7} Life Insurance
Please Select
The Trustee is satisfied the member has an adequate level of life insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of life insurance WITHIN the fund
The Trustee is satisfied the member has no need for life insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain life insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain life insurance
The member declines to have life insurance
Other, enter information into the Additional Insurance Notes Section
{memberName7} Total and Permanent Disability Cover (TPD)
Please Select
The Trustee is satisfied the member has an adequate level of TPD insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of TPD insurance WITHIN the fund
The Trustee is satisfied the member has no need for TPD insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain TPD insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain TPD insurance
The member declines to have TPD insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName7} Income Protection Insurance
Please Select
The Trustee is satisfied the member has an adequate level of income protection insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of income protection insurance WITHIN the fund
The Trustee is satisfied the member has no need for income protection insurance
The Trustee recommends the member seeks advice in relation to their income protection insurance needs
The Trustee acknowledges the member is unable to obtain income protection insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain income protection insurance
The member declines to have Income Protection insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName8} Life Insurance
Please Select
The Trustee is satisfied the member has an adequate level of life insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of life insurance WITHIN the fund
The Trustee is satisfied the member has no need for life insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain life insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain life insurance
The member declines to have life insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName8} Total and Permanent Disability Cover (TPD)
Please Select
The Trustee is satisfied the member has an adequate level of TPD insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of TPD insurance WITHIN the fund
The Trustee is satisfied the member has no need for TPD insurance
The Trustee recommends the member seeks advice in relation to their life insurance needs
The Trustee acknowledges the member is unable to obtain TPD insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain TPD insurance
The member declines to have TPD insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
{memberName8} Income Protection Insurance
Please Select
The Trustee is satisfied the member has an adequate level of income protection insurance OUTSIDE of the fund
The Trustee is satisfied the member has an adequate level of income protection insurance WITHIN the fund
The Trustee is satisfied the member has no need for income protection insurance
The Trustee recommends the member seeks advice in relation to their income protection insurance needs
The Trustee acknowledges the member is unable to obtain income protection insurance at an acceptable price
The Trustee acknowledges the member is unable to obtain income protection insurance
The member declines to have Income Protection insurance
Not Applicable (Non Member Trustee)
Other, enter information into the Additional Insurance Notes Section
Additional Insurance Notes
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Fund Liquidity Considerations
In the following section you need to consider the Fund’s situation in relation to liquidity. You will be asked to estimate the gross income from contributions and investments as well as the anticipated outgoings including tax, expenses and member payments. This will demonstrate that you have considered the liquidity needs of the fund in establishing your strategy.
The trustee has considered the specific liquidity needs of the fund which include:
*
Administration and accounting expenses
Investment related expenses
Taxation & statutory fees
Adviser fees
Member pension payments
Member lump sum withdrawals
Insurance premiums for members
Rollovers to other funds
Loan repayments
Investment settlements
Anticipated annual cash OUTFLOWS
*
The trustee is satisfied the liquidity needs of the Fund can be met from the following:
*
Member contributions
Employer contributions
Investment income
Rollovers into the fund
Existing cash deposits
Other assets that can be converted into cash
Anticipated annual cash INFLOWS
*
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Fund Investment Considerations
When setting the investment objective for your fund, the selection should reflect the objective that best suits the preferences and needs of each member.
What is the Primary Investment Objective of the fund:
*
Generating income
Generating capital growth
Generating a combination of income and capital growth
Capital Preservation
In setting the investment objective for the fund, the Trustee has taken into consideration the (select all that apply):
*
Risk profile, investment horizon and retirement objective of each member
Asset preferences of each member
Expectations for growth and income
Potential risks
Potential tax benefits
Short-term & Medium-term liquidity requirements for theFund
Potential benefits and risks of gearing
Medium term economic outlook
Long term economic outlook
Other (complete details below)
Provide further information on any other specific issues taken into consideration in the formulation of your investment strategy.
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Investment Allocations and Weightings
In the following section you will be asked to specify the asset allocations to be used in achieving your investment objectives. The Low and High percentages need to be realistic, selecting 0% - 100% does not meet the requirements for an investment strategy. The Target percentages are required to Total 100%. It is not important that the actual allocation will vary around the target, but should still fall within the Low and High range.
Investment Allocations
Low (%)
High (%)
Target (%)
Cash Products including term deposits
Mortgage Funds
Fixed Interest
Direct Australian Property (Residential)
Direct Australian Property (Commercial)
Listed Australian Shares/Securities
Listed International Shares
Managed Funds >70% growth assets
Managed Funds >50% growth assets
Managed Funds >30% growth assets
Managed Funds -30% growth assets
Structured Products
Unlisted Australian Shares
Unlisted Assets
Other
Total Target Weighting
STOP! the Total Target Weighting must equal 100%
You will not be able to submit this form if the error is not corrected on this page. Please correct before you click Next.
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High and Extreme Investment Weightings
Your target allocations in the previous table include weightings that are deemed to increase the concentration risk of your portfolio. As Trustee you are free to determine how your Fund is to be invested, but you are expected to recognise and accept those risks. The items listed below highlight the areas deemed High or Extreme Weightings. In the following section you will be asked to select statements that align with your decision making process.
Investment Weighting Commentary
Your target allocations in the previous table do not appear to create substantial risk of concentration for your portfolio. Great news, it seems like you have a balanced investment strategy. As Trustee you are free to determine how your Fund is to be invested, but you are expected to recognise and accept risks as they arise. The Investment Strategy Preparer should only be used as a guide so it is recommended that Trustees determine their own view of High or Extreme Weightings and plan accordingly.
Cash Products
Mortgage Funds
Fixed Interest
Direct Australian Residential Property
Direct Australian Comm Property
Listed Australian Shares
Listed International Shares
Managed Fund70
Managed Fund50
Managed Fund30
Managed Funds
Structured Products
Unlisted Aus Shares
Unlisted Assets
Other Assets
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Moderate to High Risk Strategy Acknowledgement
The Trustees acknowledge there are risks of having such high exposure, but believe the allocation meets the investment objectives for the following reasons (select all relevant)
The Trustees recognise it has a high exposure to certain assets for the following reason/s:
*
It provides a predictable level of income
It meets the prime objective to preserve capital
The need to ensure liquidity for an anticipated event
Expectation of generating capital growth over the medium to long term
To generate rental income to assist with loan repayments
It provides exposure to a growth asset with low price volatility
It provides regular Income/Dividends
It will generate attractive franking credits
To provide speculative investment opportunities with the potential to generate higher growth
An expectation that Listed Australian Shares will outperform other assets classes over the medium to long term
Provides access to unique investment opportunities that are not available through other means
Provides exposure to investment themes that are expected to generate strong returns
An expectation that residential property will outperform other assets classes over the medium to long term
The Trustees recognise and accept the strategy may expose the fund to the following risks.
Inflation and Income Risk
*
The fund's investments may not keep pace with inflation.
The fund may not generate sufficient income to outperform inflation.
Total Capital Loss Risk
*
The funds assets may be at risk of permanent capital loss.
Diversification Risk
*
The funds strategy exposes the fund to a lack of diversification
Retirement Benefit Risk
*
If medium to long term growth is lower than anticipated it may have a material impact on the retirement benefits of members.
Property Risk
*
If the property is vacant for an extended period it may impact on the fund's liquidity and ability to meet its commitments.
Potential for capital loss may arise if the fund is forced to sell the property into a depressed market.
Liquidity Risk
*
The strategy has the potential to expose a lack of liquidity, particularly if there are unforeseen changes to member circumstances.
Volatility Risk
*
The strategy exposes a large part of the fund's assets to market volatility.
Forced Liquidity Risk
*
Trustees may be forced into selling assets at depressed prices when liquidity is needed.
Taxation Risk
*
Changes to taxation laws may diminish the benefits of dividend franking.
Liquid Second Market Risk
*
The strategy exposes the assets to liquidity risks as no secondary market may be available.
Structured Product Risk
*
The Trustee has elected to invest in a geared structured product to meet the investment objectives of the fund. The Trustee recognises the investment is speculative, as there needs to be positive performance of the underlying assets in excess of the interest costs before any return is generated. The Trustee accepts that there is a risk of losing the interest paid which is offset by the potential to generate a higher return.
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You're done!
You have completed the process that will generate an Investment Strategy based on the information you have provided. If you are satisfied the information is accurate and complete you can now finalise your document by providing your credit card details on the next page.
Strategy Acknowledgement
*
We acknowledge the SMSF Investment Strategy Preparer is a tool that can be used to assist with the preparation of an investment strategy for our SMSF. The tool does not constitute financial advice of any kind, and merely provides a structured framework to follow. The output relies solely on the trustee/s giving due consideration to each element and providing responses that are accurate and take into consideration the needs of each fund member, the investment approach and the assets of the fund.
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