Self Managed Superannuation Fund

Strategy ID	Section	Strategy	Description
119	SMSF	Segregation of assets	This is a binary decision for the optimisation engine to consider. This will typically be optimal under the following client scenarios:
			Clients have different risk profiles;
			It is likely that it is optimal to run multiple accounts across superannuation and pension. In this scenario, tax advantages can be achieved by holding income producing assets in pension and growth focused assets in superannuation wherever possible.
			There is no intention to purchase a ‘lumpy’ asset that may requrie multiple accounts to fund (e.g. property assets).
120	SMSF	Limited Recourse Loan	This can occur under the following conditions:
			This is a specified client objective.
			The trust deed allows and it is suitable for the client/s specified risk profile.
121	SMSF	Wind up SMSF	This occurs when one of the following is applicable:
			Balance falls below a certain level that is set in the adviser assumptions.
			Client/s objective is set to reduce administration.
			The required portfolio (see super comparison step) can be obtained via a platform for cheaper that it is to maintain a SMSF.
122	SMSF	Corporate trustee structure	Unless specified otherwise, a corporate trustee will always be recommended.
123	SMSF	Transfer business real property into SMSF	Client/s must have an existing company, and that company must hold business real property. Refer to “control” adjustment. Generally this factor will make it favourable to execute this strategy, provided there are minimal to no CGT consequences.
124	SMSF	Purchase business real property from related party	This strategy will only be considered optimal if the client/s have identified it is important to free up cashflow within their business.
125	SMSF	Establish a SMSF cash account	This happens automatically upon recommendation of a SMSF.
126	SMSF	Design an SMSF Investment strategy	This happens automatically upon recommendation of a SMSF.
127	SMSF	Individual trustee structure	This is the reverse of corporate structure. It defaults to No, unless adviser overrides.
128	SMSF	In-specie contribution to super	Whether this strategy is optimal or not largely depends on the tax consequences of the following:
			CGT issues upon transfer.
			Ongoing tax impact of holding asset in your own name v SMSF.
129	SMSF	Review your SMSF investment strategy	This occurs is a key asset is missing from list of acceptable assets, such as ownership of business real property or borrowing strategies such as warrants and limited recourse loans are not permitted and these strategies are relevant based on risk profile.
130	SMSF	Pooled assets	This is a binary decision for the optimisation engine to consider. This will typically be optimal under the following client scenarios:
			Clients have the same risk profile;
			There is an intention to hold a ‘lumpy’ asset that may requrie multiple accounts to fund (e.g. property assets).
131	SMSF	Purchase warrant	Recommendation will be optimal if this is the best allocation of resources taking into consideration other alternative strategies and competing objectives. Lending capacity will be determined by servicability and risk profile constraints.
132	SMSF	Establish an SMSF	This decision is formed outside the optimisation engine. Adviser can pre-determine this recommendation, or rely on the adviser assumption options to drive this decision (see adviser assumptions).
133	SMSF	Appoint an SMSF administration service	This strategy is automatically triggered upon recommending a SMSF. The administration service is a default set by the advice group.

Retirement income

Risk management

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