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  • SMSF Investment Strategy Preparer

    Credit Cards only - $99
  • Introduction

    This investment strategy preparer has been designed to assist trustees in developing a complying investment strategy for their SMSF.  You will be required to provide considered responses that relate specifically to your fund, the fund members and how you have approached your investment decisions.  The strategy should be completed to reflect the current fund position.  (If you have any queries you can contact 1300 364 597. If you would like to work through the strategy with a fully qualified and licensed adviser, please make an appointment here. The fee for the Adviser Guided Investment Strategy is $550.

  • Fund Details

    Please complete all details as applicable.
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  • Age Considerations

    In the following section Trustees need to consider the age differences between members (if any) and how that might impact on the Fund’s Investment Strategy, if at all.
  • Retirement Considerations

    The impending retirement of a member may impact the fund’s investment strategy by identifying any potential need to generate more income and/or increase the fund’s liquid assets. By providing the anticipated retirement date for each member and then selecting the most appropriate response, demonstrates that you have considered this impact.
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  • If any member intends to retire within the next 2 years, it may impact on the investment strategy of the Fund.  In the following section please select the most appropriate response.
  • Member Types - Accumulation, Pension and Mixed

    If your Fund has members in both the accumulation and retirement phase, the requirements of each should be considered when determining the investment strategy.  In the following section please select the most appropriate response.
  • Member Insurance Considerations

  • Fund Liquidity Considerations

    Liquidity is used to describe cash and assets that can be easily converted into cash at short notice. A key element of your investment strategy is to ensure your fund will have sufficient liquid assets to meet its obligations as and when they are due.
  • Cash Outflows

    In this section you are required to consider the cash needs of the fund over the next year and select those items that will require cash. You then need to provide an estimated total for all those items.
  • Cash Inflows

    In this section you are required to consider the anticipated cash inflows that will be used to meet the cash outflows identified above. Cash inflows must exceed cash outflows, even if the inflows include selling existing assets. Providing an estimated total demonstrates the trustees are satisfied the fund will have sufficient cash to meet its anticipated needs.
  • Fund Investment Considerations

    When setting the investment objective for your fund, the selection should reflect the objective that best suits the preferences and needs of each member. 
  • Investment Allocations and Weightings

    An important part of your investment strategy is to set target asset allocations to achieve your investment objective. In the following table you only need to provide data for the asset classes that are being used by the fund to achieve your objective. There are 3 columns to complete.Low (%) & High (%) – these columns don’t need to add to any specific value. They set a range for the expected asset allocations, recognising that they will fluctuate over time. The %’s should be realistic and consider the target %. For example if the fund’s aim is to maintain a steady Cash allocation of 10%, you could set a low of 5% and a high of 15%, which then allows for variations over the course of a year. There is no need to select narrow ranges unless you are confident they can be achieved. Note that selecting 0% to 100% for any asset class will not meet the requirements of a considered allocation and will be rejected by the auditor. Target (%) – this column must add up to 100% and represents the expected allocation to each asset class the fund has invested in. In most cases the actual allocation at any point in time will vary around the target % as a result of changes in market values and the overall value of the fund. Significant changes in the actual allocation over time may require a rebalancing of the portfolio (if possible) or a review of the target % as well as the low & high %’s.
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  • STOP! the Total Target Weighting must equal 100%

    Please include the Target (%) in the Investment Allocations table above. You may not be able to submit this form if the error is not corrected on this page. Please correct before you click Next.
  • High and Extreme Investment Weightings

    Your target allocations in the previous table include weightings that are deemed to increase the concentration risk of your portfolio. As Trustee you are free to determine how your Fund is to be invested, but you are expected to recognise and accept those risks. The items listed below highlight the areas deemed High or Extreme Weightings. In the following section you will be asked to select statements that align with your decision making process.
  • Investment Weighting Commentary

    Your target allocations in the previous table do not appear to create substantial risk of concentration for your portfolio. Great news, it seems like you have a balanced investment strategy. As Trustee you are free to determine how your Fund is to be invested, but you are expected to recognise and accept risks as they arise. The Investment Strategy Preparer should only be used as a guide so it is recommended that Trustees determine their own view of High or Extreme Weightings and plan accordingly.
  • Moderate to High Risk Strategy Acknowledgement

    The Trustees acknowledge there are risks of having such high exposure, but believe the allocation meets the investment objectives for the following reasons (select all relevant)
  • The Trustees recognise and accept the strategy may expose the fund to the following risks.
  • You're done!

    You have completed the process that will generate an Investment Strategy based on the information you have provided.  If you are satisfied the information is accurate and complete you can now finalise your document by providing your credit card details on the next page. 
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