Geared Superannuation

B B Whitehouse Group has a specialised structure that allows your super fund to borrow money and increase your potential return on investments. Don’t compromise your dreams for retirement. Take control, increase your tax advantage and maximise your nest egg.

Self Managed Super Funds can give you more control over where your money is invested and how quickly it grows. Geared Superannuation Strategies in Australia can open the door to profitable investment opportunities such as property and private commercial projects which were previously out of reach.

A Super Fund can be geared by the following three Geared Superannuation Strategies:

1. Direct loan from bank – In this arrangement, the Fund Trustee borrows from a bank to acquire an asset on-market from an unrelated vendor.

2. Indirect loan from bank – If it is desired for the fund to finance the acquisition externally (i.e. using money sourced on market rather than from a related party) and a limited-resource bank loan cannot be negotiated, an indirect loan structure may be used.

3. Direct loan from related party – Superannuation contributions in excess of the specified annual caps will result in a liability to the relevant member for excess contributions tax. This has the practical effect of limiting the rate at which contributions can be made to a fund. This in turn limits the gross value of assets that the fund can acquire without gearing.