PROPERTY DEVELOPMENT &INVESTMENT SPECIALISTS

Superannuation Fund

Self Managed Super Fund

Property/Project

Watch your money grow

Self Managed Superannuation Fund

• Register a new company for your self managed super fund • Grant Muddle can help you do this

• Arrange for funds to be transferred into your new company

sunsuper Self Managed Super Fund

21 Smith Street Investment Property Toowoomba Mr. & Mrs. E. Thompsin

INVESTMENT PROPERTY Single Dwelling

Single Dwelling Example

Mr. E. Thompsin$150,000Sunsuper

Mrs. E. Thompsin$100,000

MLC

Self Managed Superfund$250,000

Loan $200,000

Rent $450 per week

$450,000 value

$250,000

21 Smith StreetToowoomba

SELF MANAGED SUPER FUNDPurchase – 21 Smith Street, Toowoomba

Mr. E. ThompsinSalary $120,000

9% will continue to go into your SMSF

Mrs. E. ThompsinSalary $80,000

9% will continue to go into your SMSF

Super Contributions

Rent from Property

Loan Repayments + -+

BENEFIT OF SMSF/PROPERTY INVESTMENT

YEAR LOAN AMOUNTCONTRIBUTION FROM SALARIES Increased 2%

p.a.RENT Increased

2.5% p.a. REPAYMENTS @ 7% POSITIVELY GEARED

1st $200,000 $18,000 $23,400 $14,000 27,400

2nd $172,600 $18,360 $23,985 $12,082 30,263

3rd $142,337 $18,727 $24,585 $9,964 33,348

4th $108,989 $19,102 $25,199 $7,629 36,672

5th $72,317 $19,484 $25,829 $5,062 40,251

6th $32,066 $19,873 $26,475 $2,245 44,104

7th $12,038 $20,271 $27,137 FREEHOLD 59,446

8th $59,446 $20,676 $27,815 FREEHOLD 107,938

9th $107,938 $21,090 $28,511 FREEHOLD 157,538

10th $157,538 $21,512 $29,223 FREEHOLD 208,273

NOTE: ON THESE ESTIMATED COSTS YOU WILL OWN YOUR PROPERTY AFTER 7 YEARS FREEHOLD

NEGATIVE OF TRADITIONAL SUPER FUND

YEAR

SUNSUPER FOR MR. E.

THOMPSIN

ROR 3.4% 1-5 years ROR 6.1% 6-10

years

MR. THOMPSON CONTRIBUTION FROM SALARY

Increase of 2% pa

INTEREST FROM SUPER FUND

TOTAL

MLC FOR MRS E.

THOMPSIN ROR 1.4% 1-5 years

ROR 4.3% 6-10 years

MRS. THOMPSIN CONTRIBUTION FROM SALARIES

Increase of 2% pa

INTEREST FROM SUPER FUND

TOTALCOMBINED POSITIVELY

GEARED

1st $150,000.00 $10,800 $5,100 $165,900 $100,000.00 $7,200 $1,400 $108,600 274,500

2nd $165,900.00 $11,016 $5,641 $182,557 $108,600.00 $7,344 $1,520 $117,464 300,021

3rd $182,556.60 $11,236 $6,207 $200,000 $117,464.40 $7,491 $1,645 $126,600 326,600

4th $199,999.84 $11,461 $6,800 $218,261 $126,599.78 $7,641 $1,772 $136,013 354,274

5th $218,260.89 $11,690 $7,421 $237,372 $136,012.88 $7,794 $1,904 $145,711 383,083

6th $237,372.02 $11,924 $14,480 $263,776 $145,710.57 $7,949 $6,266 $159,926 423,701

7th $263,775.79 $12,163 $16,090 $292,029 $159,925.50 $8,108 $6,877 $174,911 466,939

8th $292,028.67 $12,406 $17,814 $322,248 $174,910.67 $8,271 $7,521 $190,702 512,951

9th $322,248.22 $12,654 $19,657 $354,559 $190,702.37 $8,436 $8,200 $207,339 561,898

10th $354,559.28 $12,907 $21,628 $389,094 $207,338.52 $8,605 $8,916 $224,859 613,953

TOTALS $118,257 $120,837 $78,838 $46,021 363,953

Self Managed Super Fund

TOTAL = $1,108,273

PROJECTED PROFIT AFTER TEN YEARSFor Mr. & Mrs. E. Thompsin

Superannuation Fund

TOTAL = $613,953

$613,953 $208,273

$900,000 HOUSE

FREEHOLD+

16 Chirn Crescent, Labrador, Gold Coast

2 x Townhouses Investment PropertyMr. & Mrs. G. Jones

INVESTMENT PROPERTY Townhouse Development

Townhouse Example

Mr. G. Jones$221,000

AMP

Mrs. G. Jones$85,000

MLC

Self Managed Superfund$306,000

$306,000

16 Chirn Crescent, Labrador, Gold Coast

Loan $400,000

$153,000

Value $450,000

$153,000

Value $450,000

SELF MANAGED SUPER FUNDPurchase – 2 x Townhouses at

16 Chirn Crescent, Labrador, Gold Coast

Mr. G. JonesSalary $110,000

9% will continue to go into your SMSF

Mrs. G. JonesSalary $80,000

9% will continue to go into your SMSF

Super Contributions

Rent from Property

Loan Repayments + -+

BENEFIT OF SMSF/PROPERTY INVESTMENT

YEAR LOAN AMOUNTCONTRIBUTION FROM SALARIES

Increased 2% p.a.RENT Increased 2.5%

p.a. REPAYMENTS @ 7% POSITIVELY GEARED

1st $400,000 $17,100 $46,800 $28,000 35,900

2nd $364,100 $17,442 $47,970 $25,487 39,925

3rd $324,175 $17,791 $49,169 $22,692 44,268

4th $279,907 $18,147 $50,398 $19,594 48,952

5th $230,956 $18,510 $51,658 $16,167 54,001

6th $176,954 $18,880 $52,950 $12,387 59,443

7th $117,511 $19,257 $54,274 $8,226 65,305

8th $52,206 $19,643 $55,630 $3,654 71,619

9th $19,413 $20,035 $57,021 $0 96,470

10th $96,469 $20,436 $58,447 $0 175,352

NOTE: ON THESE ESTIMATED COSTS YOU WILL OWN YOUR PROPERTY AFTER 9 YEARS FREEHOLD

NEGATIVE OF TRADITIONAL SUPER FUND

YEAR

AMP FOR MR. G.

JONES

ROR 3.0% 1-5 years ROR 3.7% 6-

10 years

Mr G. JONES CONTRIBUTION FROM SALARY Increase of 2%

pa

INTEREST FROM SUPER FUND

TOTAL

MLC FOR Mrs G.

JONES ROR 1.4% 1-5 years

ROR 4.3% 6-10 years

Mrs G. JONES CONTRIBUTION FROM SALARY Increase of 2%

pa

INTEREST FROM SUPER FUND

TOTALCOMBINED POSITIVELY

GEARED

1st $221,000.00 $9,900 $6,630 $237,530 $85,000.00 $7,200 $1,190 $93,390 330,920

2nd $237,530.00 $10,098 $7,126 $254,754 $93,390.00 $7,344 $1,307 $102,041 356,795

3rd $254,753.90 $10,300 $7,643 $272,696 $102,041.46 $7,491 $1,429 $110,961 383,657

4th $272,696.48 $10,506 $8,181 $291,383 $110,960.92 $7,641 $1,553 $120,155 411,538

5th $291,383.33 $10,716 $8,741 $310,841 $120,155.07 $7,794 $1,682 $129,631 440,472

6th $310,840.91 $10,930 $11,501 $333,272 $129,630.75 $7,949 $5,574 $143,154 476,427

7th $333,272.42 $11,149 $12,331 $356,753 $143,154.26 $8,108 $6,156 $157,418 514,171

8th $356,752.51 $11,372 $13,200 $381,324 $157,418.26 $8,271 $6,769 $172,458 553,782

9th $381,324.34 $11,599 $14,109 $407,033 $172,457.78 $8,436 $7,416 $188,309 595,342

10th $407,032.77 $11,831 $15,060 $433,924 $188,309.41 $8,605 $8,097 $205,011 638,936

TOTALS $108,402 $104,522 $78,838 $41,173 332,936

PROJECTED PROFIT AFTER TEN YEARSFor Mr. & Mrs. G. Jones

Self Managed Super Fund

TOTAL = $1,975,352

$1,800,000 2 X TH

FREEHOLD+$175,352

Superannuation Fund

TOTAL = $638,936

$638,936

Superannuation FundsRates of Return over 7 year period

RANK FUND NAME FUND TRUSTEE ABN FUND TYPE

FIVE YEAR PER ANNUM ROR

(%)

SEVEN YEAR PER ANNUM

ROR (%)

27 BHP BILITON SUPERANNUATION FUND

TOTAL RISK MANAGEMENT PTY. LTD.

30187082512 CORPORATE 3.8 6.5

31 RIO TINTO STAFF SUPERANNUATION FUND

RIO TINTO STAFF FUND PTY. LTD. 98438661856 CORPORATE 3.6 6.4

43 SUNSUPER SUPERANNUATION FUND SUNSUPER PTY. LTD. 98503137921 INDUSTRY 3.4 6.1

91 BT SUPERANNUATION INVESTMENT FUND

WESTPAC SECURITIES ADMIN. LTD. 29769424728 RETAIL 2.6 5.1

137 MLC SUPERANNUATION FUND

NULIS NOMINEES (AUST) LTD 40022701955 RETAIL 1.4 4.3

153 AMP PERSONAL SUPERANNUATION FUND

AMP SUPERANNUATION LTD 90806277502 RETAIL 3.0 3.7

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