When it comes to planning for retirement, many Australians are looking for ways to take greater control of their superannuation. One increasingly popular option is a Self-Managed Super Fund (SMSF). For Port Macquarie locals, partnering with an expert finance team like Crafted Capital can make the move from a standard fund to an SMSF seamless, strategic, and rewarding.
What Is a Self-Managed Super Fund (SMSF)?
A Self-Managed Super Fund is a private superannuation fund that you manage yourself. Unlike standard retail or industry super funds, where investment decisions are made for you, an SMSF gives you direct control over how your retirement savings are invested.
With an SMSF, you can have up to six members, usually family members or business partners, all working together to build wealth for retirement.
Key Benefits of Moving from a Standard Super Fund to an SMSF
1. Greater Investment Control
With a traditional super fund, your investment choices are limited. An SMSF allows you to choose from a wide range of assets including:
- Direct property (residential or commercial)
- Australian and international shares
- Term deposits and cash accounts
- Managed funds and ETFs
This flexibility means you can tailor investments to your goals, values, and risk appetite.
2. Potential Tax Advantages
SMSFs can offer significant tax planning opportunities. Income from investments is taxed at a concessional rate of 15%, and in retirement phase, your fund may even pay 0% tax on investment earnings. Strategic planning with a finance partner like Crafted Capital can ensure you’re maximising these tax benefits.
3. Ability to Invest in Property
One of the standout advantages of an SMSF is the ability to purchase property through your fund. This includes:
- Commercial property (e.g., business premises you operate from)
- Residential property (with restrictions on related parties)
Crafted Capital helps clients structure these investments properly, ensuring compliance with the Australian Taxation Office (ATO) regulations.
4. Estate Planning Flexibility
An SMSF gives you more control over how your super is passed on to beneficiaries. You can tailor strategies to suit family needs, ensuring your wealth is transferred in the most tax-effective way possible.
5. Cost Efficiency for Larger Balances
For individuals or families with higher superannuation balances, SMSFs can often be more cost-effective than paying percentage-based fees to retail funds. Pooling balances between members can create a powerful retirement savings vehicle.
Why Partner with Crafted Capital in Port Macquarie?
Setting up and managing an SMSF requires expertise, strategy, and compliance know-how. That’s where Crafted Capital comes in:
✅ Expert Advice – Guidance on whether an SMSF is right for you.
✅ Strategic Planning – Tailoring investment strategies to your goals.
✅ Compliance Support – Ensuring your SMSF meets all ATO requirements.
✅ Local Service – A Port Macquarie-based team with personalised, face-to-face support.
At Crafted Capital, we don’t just set up SMSFs – we help you craft a financial future where your retirement savings are working harder for you.
Is an SMSF Right for You?
An SMSF isn’t for everyone, it requires commitment, responsibility, and sound decision-making. But with the right partner, it can be one of the most effective ways to grow and protect your retirement savings.
If you’re considering moving your superannuation from a standard fund to a Self-Managed Super Fund, now is the time to explore your options with Crafted Capital.
Take the Next Step
Ready to take control of your retirement savings?
Contact Crafted Capital in Port Macquarie today for an expert consultation and discover how an SMSF could help you build the future you deserve.
