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Financial Planning
IFMA Investment Services Pty Ltd is a financial planning company.
Self Managed Superannuation Funds
Self Managed Superannuation Funds (“SMSF’s”) are a very popular superannuation structure being utilised by approximately 300,000 individuals, families and small businesses. They currently account for over 20% of all assets held in the Australian superannuation system. These small superannuation funds are referred to by a variety of different names including “DIY” funds (do it yourself), “Family” funds, “Mum and Dad” funds and of course “SMSF’s”.
Estate Planning
Most people prefer not to think about what happens when they die and put off planning for this situation. It is a very important issue to think about early and is an essential part of the financial planning process. Estate planning is determining how your assets will be divided on your death to ensure they are distributed efficiently and according to your wishes. Proper estate planning can reduce worry for your spouse and/or beneficiaries. All sorts of problems can occur if you have not planned your affairs properly.
Managed Funds
Defined simply, managed funds pool the money of individual investors who share common investment goals. Professional fund managers use the pool money to buy securities, such as shares, property, fixed interest and cash, that are consistent with the fund's financial objective. Because they offer instant diversification and expert management, managed funds are an excellent way to help build a retirement nest egg.
Investment Strategies
Figuring out which investments can best help you deliver your comfortable retirement requires an understanding of:
- what your investment options are;
- how different types of investments tend to perform over long periods of time; and
- your financial goals, so you can pick an investment mix suited to your specific retirement investment objectives and risk tolerance.
Gearing Structures
Geared investments (or investments made from borrowed money) are generally designed to increase the potential for tax deductible expenses (such as interest costs). The ultimate goal of this strategy is for the assets purchased with borrowed money to increase and create a profit upon sale after repayment of borrowed funds plus expenses. The assets purchased would normally be direct property or Australian listed shares.