Expert Advice with Exceptional Support.

Future Assist Group has helped thousands of Australians take control of their Super through expert advice, comprehensive end-to-end solutions and exceptional support. See below for 10 reasons why investors choose Future Assist.

1. We Make Property Possible

Superannuation is your money.  Our Financial Advisers can help you take control over your superannuation by setting up a Self Managed Superannuation Fund (SMSF).  From here you can then  invest your money into assets classes and that you feel more comfortable with, such as residential investment property, domestic and international shares or even cash.

woman with grey hair sitting on porch

 

2.  We Make It Easy

We have helped thousands of Australians take control of their super.  Our teams will take care of all the paperwork, administration, roll-overs and applications ensuring an easy and friction free experience so you can focus on finding the right investment.

 

3.  Clarity

We bring insights to avoid emotionally driven investing decisions.  Future Assist Property Services will work with you to identify the right property criteria for your strategy.  As part of this process the team will conduct thorough research and analysis backed by independent valuations.

We have helped thousands of Australians invest for a better future.

 

4.  Real Service.  Less Paperwork.

Unlike ‘budget’ online SMSF services we provide full administration, taxation and compliance services for your SMSF.  Our Clients receive real service from Financial Advisers and Accountants and save on average 85hrs a year on paperwork and administration.

 

5. Tax Minimisation

Your Adviser will work with you to identify various investment strategies to help grow your investment portfolio, maximise government incentives and legitimately minimise your tax.

 

6. Choice Of Finance

Did you know that superfunds can loan money? Future Assist Home Loans are SMSF Lending Accredited Specialists. With access to over 30 retail and wholesale lenders we can help you find the right loan at a great rate for your investment property.

7. Boost Your Super

Australians have over $14 billion dollars in Lost, Inactive or Unclaimed Super.  As part of the process we can help you boost your balance by finding, consolidating and streamlining your super into one fund.

8. Invest With Family

A SMSF allows you to combine your super with a spouse or up to 3 other members.  If you would like this to be part of your strategy our roll-overs team help find and consolidate members super into the one SMSF.

SPEAK WITH A SMSF ADVISER TODAY

9. Transparency and Convenience

Our clients enjoy industry leading insights and transparency into the performance of their property and other investments via our  online portal which is available 24-hrs a day.

10. Proactive Advice

Our clients enjoy proactive reviews, tailored investment advice, education and extensive support options to help grow your portfolio and help keep you tracking towards your goals.

SPEAK WITH A SMSF ADVISER TODAY

Common Questions

Can I purchase a property in superannuation?

Yes. Under Australian Superannuation laws, property can be purchased through a Self Managed Superannuation Fund (otherwise known as a SMSF). Through a SMSF, you will have control over how your superannuation is invested which includes the ability to purchase property.

Can a superfund borrow money to purchase property?

Yes, this is common practice and Future Assist are accredited SMSF Lending Specialists. This type of loan is called a 'Limited Recourse Loan' and the application process is more complex than a standard mortgage lending. Our Advisors can help you understand and navigate this process as well as find you the right loan and prepare all paperwork.

How do I purchase a property in superannuation?

Property can be purchased through a SMSF through a variety of different ways. If you have enough money within your super fund to purchase a property outright, the transaction is similar to buying property personally. On the other hand, if you are hoping to borrow money towards a property, there are specific rules and processes involved. Future Assist can assist you with this process.

Who pays for the purchase costs? Is it me or my super fund?

Much like regular property investment, there are the usual costs involved with purchasing property. These costs are usually paid by the super fund. A SMSF Advisor can help you assess the potential costs before deciding to invest in property through your SMSF.

Can I live in the property?

No. For the most part, you or any fund members or related parties (including friends) are not allowed to live in or rent any property bought through your superannuation. That being said, if the property is a Commercial Real Estate such as a factory or office, it can be leased to a business you own. In cases like these, advice from a SMSF Specialist Advisor such as Future Assist is always recommended.

Can I renovate the property?

Renovations can be made to a property owned through a superannuation fund, however they may be limited depending on the property ownership. If your SMSF owns the property outright, you are allowed to renovate or improve the property, however, if your SMSF has borrowed towards the property, you are only able to make renovations that will not change the character of the property.

Can I buy a holiday home using my superannuation?

No. Fund members, and related parties, are not allowed to live or rent property bought through your superannuation fund.

Can I claim depreciation as a tax offset on property purchased in super?

Yes. You Advisor will help you obtain a Depreciation Schedule. This report gives you and your adviser an idea as to how much tax you can claim when in your tax return. It covers plant and equipment depreciation, which are assets associated with your investment property that have a finite lifetime such as carpets, lighting, etc. It also covers capital works depreciation, which are aspects of more permanent improvements and alterations to your investment property.

Can I negative gear a property in my super fund or receive tax benefits?

Yes. Negative gearing is possible through an SMSF, much like regular property investment. Therefore, you will be able to offset tax within your funds and benefit from the capital gains on the property in the future. Despite this, it’s important to understand that since it is an SMSF property investment, the deductions will be claimed by the fund and not by you personally.

Should I get advice on what type of property to buy?

Yes. When it comes to property investment through your SMSF, professional advice can go a long way in ensuring that your in-fund profit is maximised and your superannuation fund is safe. A Financial Adviser can help you identify a selection criteria to help maximise your return as well as provide support to navigate the many unique superannuation laws and paperwork surrounding property investing.

Can I live in the property when I retire?

Yes, however you will need to transfer it from your superannuation fund to your personal name. Depending on the laws of your state, you will also have to pay any state duties involved with the transfer. There is much to consider when transferring a property out of your SMSF and speaking with an Advisor is highly recommended.

Future Assist have transformed my financial world

Future assist have transformed my financial world. 4 years in, I still receive great advice that is absolutely tailored to my needs throughout all of my personal and career changes. I didn’t think it was possible to achieve the financial goals I have already reached, with little effort and in such a short amount of time.    Product Review 11/7/2017
Bliss Jensen