Fund Details

Fund Name *

Fund Address *

Trustee

Trustee Name *

1. Target Return

What is the fund's risk profile and target return? *

Risk Profile: Defensive

High return from income distributions & negligible return from capital growth

Low volatility & negative returns in the short-term

Portfolio risk level of 100% Low (Cash & Fixed Interest), 0% Medium (Property & Conservative Shares) and 0% High (International Shares, Smaller Companies & aggressive Australian Share Funds)

Target Benchmark Return *: Cash + 1% pa

Risk Profile: Conservative

High return from income distributions & small return from capital growth

Low volatility & negative returns in the short-term

Portfolio risk level of 70% Low (Cash & Fixed Interest), 30% Medium (Property & Conservative Shares) and 0% High (International Shares, Smaller Companies & aggressive Australian Share Funds)

Target Benchmark Return *: Cash + 2% pa

Risk Profile: Moderate

Moderate return from income distributions & moderate return from capital growth

Volatility & negative returns of up to 10% in the short-term

Portfolio risk level of 50% Low (Cash & Fixed Interest), 40% Medium (Property & Conservative Shares) and 10% High (International Shares, Smaller Companies & aggressive Australian Share Funds)

Target Benchmark Return *: Cash + 3% pa

Risk Profile: Balanced

Moderate return from income distributions & higher return from capital growth

Volatility & negative returns of up to 20% in the short-term

Portfolio risk level of 30% Low (Cash & Fixed Interest), 40% Medium (Property & Conservative Shares) and 30% High (International Shares, Smaller Companies & aggressive Australian Share Funds))

Target Benchmark Return *: Cash + 4% pa

Risk Profile: Growth

Low return from income distributions & high return from capital growth

Volatility & negative returns of up to 20% in the short-term

Portfolio risk level of 10% Low (Cash & Fixed Interest), 40% Medium (Property & Conservative Shares) and 50% High (International Shares, Smaller Companies & aggressive Australian Share Funds)

Target Benchmark Return *: Cash + 5% pa

Risk Profile: High Growth

Very low return from income distributions & high return from capital growth

Volatility & negative returns of up to 33% in the short-term

Portfolio risk level of 0% Low (Cash & Fixed Interest), 30% Medium (Property & Conservative Shares) and 70% High (International Shares, Smaller Companies & aggressive Australian Share Funds)

Target Benchmark Return *: Cash + 6% pa

Risk Profile: Aggressive

Negligible return from income distributions & very high return from capital growth

Volatility & negative returns of up to 50% in the short-term

Portfolio risk level of 0% Low (Cash & Fixed Interest), 0% Medium (Property & Conservative Shares) and 100% High (International Shares, Smaller Companies & aggressive Australian Share Funds)

Target Benchmark Return *: Cash + 7% pa

Describe your Risk Profile and Target Benchmark Return *

* Estimated long term return (income and capital growth)

2. Investment Strategy

In your own words, describe your investment strategy for the fund

Example

The Trustees of the fund have the objective of maintaining the fund in line with the governing rules of the fund and SISA and through its investment strategy seeking to maximise the superannuation benefits of all members of the fund having regard to risk and reward.

3. Diversification

What class of assets do you intend to invest in?

Please allocate your intended asset allocation percentage to the classes below?
(i.e allocate bewteen 0-100 points for each class of asset, to a maximum of 100 overall) * 🛈

	Australian Equities
	Australian Fixed Interest
	Cash
	Direct Property (Residential)
	Direct Property (Commercial)
	Foreign Cash
	International Equities
	International Fixed Interest
	Listed Property
	Loan or Mortgage
	Artwork & Collectables
	Other..................................................................

0/100 points

*Note: Target % should total 100%

** No need to fill in every box. Complete only the required class of assets that the fund intends to invest in.

If the fund is to be invested predominantly in one or two asset classes, has the risk of such been considered?

Yes

No

Other Other

4. Member Details

Member 1

Full Legal Name *

Date of Birth * +

Email Address *

What is the member's employment status (e.g. employed, homemaker, retired or self employed) *

What is the member’s retirement objective? *

The member is in their retirement phase and seek to secure a long term income stream with the Trustee mindful of low risk and cash flow to meet pension payments while preserving capital.

The member is in both accumulation and pension phases in their Fund. They are seeking to receive a secure income stream while maximising growth in their accumulation account for the purposes of lump sum emergency or family drawdowns and in addition maximising their SMSF estate planning benefits.

The member seeks to be provided with a secure income stream in retirement in conjunction with external investments; superannuation and if needed the aged pension. The amount cannot be quantified at this stage.

The member's retirement objective which includes superannuation is to provide the funds for the maximum lifestyle they desire including travel; covering all health care and living expenses easily plus looking after the family. The member's retirement objective which includes superannuation is to provide the funds for the maximum lifestyle they desire including travel; covering all health care and living expenses easily plus looking after the family.

Does the member have a pension? *

Yes

No

Member 2

Full Legal Name

Date of Birth +

Email Address

What is the member's employment status (e.g. employed, homemaker, retired or self employed)

What is the member’s retirement objective?

The member is in their retirement phase and seek to secure a long term income stream with the Trustee mindful of low risk and cash flow to meet pension payments while preserving capital.

The member is in both accumulation and pension phases in their Fund. They are seeking to receive a secure income stream while maximising growth in their accumulation account for the purposes of lump sum emergency or family drawdowns and in addition maximising their SMSF estate planning benefits.

The member seeks to be provided with a secure income stream in retirement in conjunction with external investments; superannuation and if needed the aged pension. The amount cannot be quantified at this stage.

The member's retirement objective which includes superannuation is to provide the funds for the maximum lifestyle they desire including travel; covering all health care and living expenses easily plus looking after the family. The member's retirement objective which includes superannuation is to provide the funds for the maximum lifestyle they desire including travel; covering all health care and living expenses easily plus looking after the family.

Does the member have a pension?

Yes

No

5. Insurance

Trustees of SMSFs are expected to be self-reliant in determining the type and level of insurance cover members might require whether within or outside their SMSF. In meeting this requirement, trustees should have regard to the personal circumstances of their members and other legislative requirements such as the sole purpose test in section 62 SISA.

Will your SMSF provide insurance cover to fund members (eg life, terminal illness, total & permanent disablement, income protection insurance)? *

Yes

No

If Yes, why have the trustees decided to implement this insurance strategy for the fund?

Please select one response below

1. Cover In Place

The Trustee has decided to hold insurance for its members to cover possible insurable events in relation to the fund’s members where premiums and age warrant it prudent for the Trustee of the fund to do so.

2. Limited Recourse Borrowing In Place

As the Trustee of the fund has entered into a limited recourse borrowing arrangement the Trustee has decided to hold insurance for its members to cover any liability arising from the borrowing as well as attend to the insurance needs of the fund’s members where premiums and age warrant it prudent for the Trustee of the fund to do so.

3. Other Reason for Insurance

Please note below Please note below

If No, why have the trustees decided to implement this insurance strategy for the fund?

Please select one response below

1. No Insurance Required

Given the ages of the members of the fund and the costs of life, trauma, disability and other life type insurances the Trustee of the fund has decided not to hold insurance for its members.

2. Considered and Declined

The Trustee of the fund has been made aware of the insurances of its members outside the fund and in some cases other superannuation funds and has decided not to hold any insurance on behalf of its members until circumstances change.

2. Other Reason for No Insurance

Please note below Please note below

Consent

Disclaimer:

All trustees are required to document their strategy for the making and holding of investments, in writing. Trustees are also required to implement their strategy by making investments in accordance with it. Based on the details provided by you in this Investment & Insurance Strategy Questionnaire (Questionnaire) and the relevant superannuation legislation, a draft Investment & Insurance Strategy Statement Template (Investment Strategy Template) will be generated on your behalf for compliance purposes only. The Investment Strategy Template is to act as a guide only to assist you in developing your own compliant investment strategy. Provision of the Questionnaire & Investment Strategy Template is for general information only and should not be taken as constituting professional advice from SMSF Options Pty Ltd.

You should consider seeking independent legal, financial, taxation or other advice to check how your fund’s investment strategy relates to your unique circumstances.

SMSF Option Pty Ltd is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of the Questionnaire and/or draft Investment Insurance Strategy Template.

I/we, have read and understand this disclaimer above.

*

Yes

No

I/we, would like a referral of a holder of an Australian Financial Services licence (i.e licenced financial planner) to assist with the completion of my fund's investment strategy. *

Yes

No

Director/Trustee Signature *

clear

Director/Trustee Contact

Name *

Email Address *

Should you require further information or any assistance in completing this form, please email enquiries@smsfoptions.com or call us on (07) 5521 0029.