The Tax Office has cautioned trustees to remain alert to scammers attempting to steal their money or personal identifying information.

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The Tax Office has cautioned trustees to remain alert to scammers attempting to steal their money or personal identifying information.

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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(79) "/retirement/self-managed-super-fund/ato-issues-warning-of-scams-targeting-smsfs" ["image"]=> string(50) "images/article-826x550/scammer-phone-laptop-ne.jpg" ["image_alt"]=> string(27) "ATO issues warning of scams" } [2]=> object(stdClass)#4351 (56) { ["id"]=> string(5) "15245" ["title"]=> string(44) "Do Australians still want to set up an SMSF?" ["alias"]=> string(43) "do-australians-still-want-to-set-up-an-smsf" ["introtext"]=> string(385) "

Despite a decline in newly established SMSF funds, Australians still hold a keen interest in setting one up, new results have shown.

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APRA statistics have recently shown that the SMSF sector remains a substantial component of the superannuation industry, with it being nearly a quarter of the $3 trillion in total super assets nationwide.

However, growth in the SMSF market has declined to a decade low, with Australians opting for traditional superannuation funds over setting up an SMSF.

This has led to the annual establishment of new SMSFs falling from a high of 40,000 in 2012 halving to 20,000 in 2019.

Despite the fall in new SMSF accounts, the latest research from Investment Trends shows that accountants want to grow their role with SMSF trustees. 

Investment Trends senior analyst King Loong Choi noted that dwindling numbers has not stopped Aussies from enquiring about their own SMSF fund.

“SMSF Trustees already comprise a large segment of accountants’ total client base (36 per cent, on average). Still, accountants estimate a further one in eight of their clients are suitable for an SMSF, and half of this cohort has expressed an interest in establishing one,” said Mr Choi.

The researcher also explains the potential opportunity for the accounting industry despite the falling numbers of new accounts.

“Given the large pool of potential SMSFs, there is a clear opportunity for service providers to help accountants better serve this segment. To help educate clients and facilitate SMSF set-up, accountants want to be better equipped to explain the suitability of SMSFs (52 per cent), and the roles and responsibilities of trustees (49 per cent),” said Mr Choi.

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Did you enjoy this article? You may also be interested in:

• Drawing down an SMSF pension? It's time for plan B
• New advocacy outlet for SMSF members 
• The simple way SMSF investors can get ahead

 

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Despite a decline in newly established SMSF funds, Australians still hold a keen interest in setting one up, new results have shown.

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It’s time for plan B" ["alias"]=> string(49) "drawing-down-an-smsf-pension-it-s-time-for-plan-b" ["introtext"]=> string(534) "

With investment values nosediving but SMSFs still required to pay minimum pension amounts, it might be time to consider an alternate plan, a lawyer has urged.

Write comment (0 Comments) " ["fulltext"]=> string(4541) "

Townsends Business & Corporate Lawyers’ Jonathan See has said “retirement is supposed to be the time when a person enjoys their hard-earned savings”.

While the government has temporarily reduced the standard minimum pension payments by 50 per cent for the current financial year as well as 2020–21, it’s worth noting how this could apply in practice.

To provide an example, Mr See has illustrated the case study of Gino.

At 65 years of age, Gino is the sole member of the Gino Superannuation Fund.

On 1 July 2019, the fund commenced an account-based pension with initial pension balance of $1.5 million, with annual pension amount for the first financial year specified as $75,000.

As a result of the pandemic, the performance of the fund’s investments has been significantly affected and there is insufficient cash to pay the annual pension amount.

As a 65-year-old, Gino has a new minimum percentage withdrawal for the pension phase at 2.5 per cent.

Check the rules

But Mr See said that some governing rules or pension documentation “may be inflexible and require amendment for application of the new regulatory minimum to your pension”.

If Gino does wish to take advantage of the reduced minimum pension rates, he should have the governing rules and relevant documentation reviewed to check the current amount and determine whether variation is required to the governing rules and any terms of the pension.

Once the regulatory minimum pension amount effectively applies to the pension, Mr See outlined: “The new minimum pension amount for the 2019–2020 financial year is $37,500.00 ($1.5 million x 2.5%) instead of $75,000.00 ($1.5 million x 5%).”

The lawyer said “this is good news if the fund is struggling to have the cash to pay the standard minimum pension amount to Gino”.

As Gino only needs to withdraw a lesser amount to comply with the SIS regulations, the fund will not need to sell its assets to pay the standard minimum pension amount.

Cease withdrawals

In addition, if Gino had already withdrawn an amount equal to the new minimum pension amount, Mr See flagged that he can stop making further withdrawals from the pension account.

However, “if he withdrew more than that before adopting the new minimum, he cannot put the excess amount withdrawn back to his super account unless he is eligible to make super contributions and meets the contribution requirements”.

Excess minimum pension payment strategy

The Townsends lawyer noted that with proper documentation, it’s possible to prospectively treat any payment in excess of the applicable minimum pension amount as a “cashing out of a superannuation lump sum” — by way of partial commutation of the pension.

In saying this, Mr See said trustees must still be cautious “not to retrospectively change the nature of any past payments”.

“If, for example, the fund paid Gino $50,000 as a pension on 1 January 2020 and subsequently varied the trust deed and the pension terms on 1 April 2020 to change the annual pension payment amount to the regulatory minimum amount as per Schedule 7 of the SIS Regulations, then the $12,500 in excess of the new minimum cannot be treated as a lump sum payment arising out of a partial commutation of the pension,” he explained.

But where the fund has $50,000 cash available for distribution after adopting the reduced minimum pension rates, Mr See said “Gino can request payment of $37,500 (minimum pension amount) as pension and the balance of $12,500 as a lump sum payment arising out of a partial commutation of the pension”.

This would create an additional unused transfer balance cap of $12,500.

Legal review of deed and pension documents will be necessary, Mr See stated, due to some deeds and pension terms having more restrictive cashing-out conditions than the SIS regulations.

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With investment values nosediving but SMSFs still required to pay minimum pension amounts, it might be time to consider an alternate plan, a lawyer has urged.

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Members turning 65 this year should be careful about using their three-year non-concessional contributions bring forward provision in 2020 as impatience will leave them at a disadvantage, advises an SMSF auditor.

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In an email note to members, SMSF Alliance principal David Busoli noted that legislation had been tabled in the House of Representatives that will affect the optimum timing for such contributions.

With the last sitting day for both houses of parliament being 18 June, he said it is quite possible that it will be passed and become law effective 1 July 2020.

“Currently, the final year in which an individual can trigger the bring forward rule is the year in which they turn 65,” Mr Busoli said.

“Under the new law, a member will be able to trigger the bring forward in the year they reach age 66 or age 67 (i.e. when they are 65 or 66 on 1 July of the relevant year). A helpful, additional, change is that the ‘work test’ age will be increased from 65 to 67.”

If the legislation becomes effective as planned, Mr Busoli warned that a 65-year-old member contributing $300k this year will not be able to take advantage of the change.

“If only $100k is contributed this year, and $100k next year, they will be eligible to make a further $300k the following year. Their patience could make a $200k difference to their non-concessional contribution eligibility,” he said.

“Be careful of their total super balance though. The legislative change is only to the eligibility age and work test, not the total super balance restrictions.”

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Members turning 65 this year should be careful about using their three-year non-concessional contributions bring forward provision in 2020 as impatience will leave them at a disadvantage, advises an SMSF auditor.

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A belief that Australia’s more than 1 million SMSF members need a louder voice in Canberra has led an advocacy body to launch a new membership offering for SMSF trustees.

Write comment (0 Comments) " ["fulltext"]=> string(1737) "

The Self-managed Independent Superannuation Funds Association (SISFA) has announced the redesign and relaunch of a membership offering for SMSF trustees to provide greater assistance and support to individuals it says are essentially “running their own money”.

The association said, “It has become noticeable that the needs of 1.1 million SMSF members extend beyond supporting the professionals on whom they rely for advice and expertise.”

SISFA managing director Michael Lorimer said the organisation “has long debated how to better support these individuals who are essentially ‘running their own money’ (with or without a professional adviser) and often do not have all the know-how to protect their nest eggs”.

Stating that the financial services sector has taken them for granted, he added that often, only their own industry agendas have been taken to regulators.

While not necessarily ignoring trustees, the managing director said they “rather thought that their agenda would also cover the needs of trustees without involving them in the discussion”.

According to the association, the membership will provide SMSF members with access to experienced practitioners, enhanced advocacy and suitable investment opportunities, which will reportedly “correct the imbalance where investment opportunities were only available to large super funds”.

SISFA flagged that the SMSF sector’s status being the largest superannuation asset base means it deserves access to superannuation investment options.

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A belief that Australia’s more than 1 million SMSF members need a louder voice in Canberra has led an advocacy body to launch a new membership offering for SMSF trustees.

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