Bailey Capital Management offers a full range of superannuation options for our clients from Mastertrusts with Managed Funds through to Self Managed Superannuation Funds. This flexibility enables us to tailor the right superannuation and retirement plan for each client. A self managed superannuation fund may be suitable in the longer term once a suitable “nest egg” has been established. In the meantime Bailey Capital Management is able to establish a superannuation plan and investment matched to the savings and investment goals of the client.

One of our key client groups is the “baby boomers” (born between 1946 and 1962) who are at a stage in life where they have retired or are seriously thinking about it. A key role we play is to assist this group to transition into retirement using the most effective superannuation strategy. Many of these individuals have built up significant superannuation assets and don’t want to place all of these savings at risk trying to reap a short-term gain. Our approach is to ensure our clients have an investment strategy tied to their needs and risk profile.

Superannuation is a concessionally taxed structure and long-term savings vehicle. Its purpose is specifically to build up funds and make provision for retirement. The Federal Government's rules via the Superannuation Guarantee mean that most working individuals have a minimum level of super contributions made on their behalf by their employers. In addition there are additional tax deductions and rebates available to make saving via superannuation attractive.

Advantages of Superannuation

A superannuation fund pays tax at the rate of 15% on income and 10% capital gains tax on assets held beyond 12 months. Depending on the underlying assets held within the fund, these savings may be increased even further because of credits that may be due.
This is of enormous benefit to the individual whose marginal tax rate outside of superannuation may range between 15% to 45%. With lower tax payable within the superannuation environment, this enables the opportunity to significantly increase returns over time.
Superannuation is simple to set up and use with all administration, legislative requirements and annual returns prepared for you.
Usually able to access very competitive rates of life and income replacement insurance within superannuation where premiums payable maybe salary sacrificed or in some cases, tax deductible
Able to make un-deducted contributions that do not attract the 15% contributions tax
You can make additional contributions on behalf of yourself or your spouse.

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