The Top 30 Features and Benefits of using the ESUPERFUND SMSF Service are detailed below:

Benefit 1:  FREE SMSF Setup

When you apply online to establish an SMSF, ESUPERFUND will mail to you all the required documentation necessary to establish the SMSF.  Under our current promotional offer it is absolutely FREE to establish a SMSF with ESUPERFUND.  Further details can be found here.   

Saving:  Save $699.

Benefit 2:  FREE First Year Fee

Under our current Promotional Offer, the First Years annual compliance fee is FREE.  That is the fee to attend to the SMSF's first years annual compliance obligations is FREE.  This is a saving of $699.  For the following Financial Year, ESUPERFUND attends to all the taxation and accounting obligations including the audit for your SMSF for an annual fixed fee of $699 per annum (GST inclusive), irrespective of the number of transactions made by your SMSF, the size of your SMSF or the number of Members.  Our Annual Fee includes attending to ALL annual compliance obligations for your SMSF.  Further details can be found here.

Saving:  Save $699.

Benefit 3:  $699 Annual Fee - 80% below market

Our annual compliance fee is $699 per annum. A review of the marketplace indicates that other SMSF providers charge between $1,500 and $5,000 to administer your SMSF. In most cases our competitors quote only their base fees that increase the more transactions or investments your SMSF has. At ESUPERFUND our price is FIXED at $699 per annum whether your SMSF has 10 or 1,000 transactions per annum.  ESUPERFUND is a volume based business that has invested significant capital to streamline its systems and processes resulting in material efficiency savings which are passed on to clients. To further understand how we can keep our fees so low relative to other providers visit our Articles "Tonic for the Sceptics" and "If it's too good to be true...." now.  Further details can be found here.

Saving:  Save $1,000 to $5,000 per annum.

Benefit 4:  FREE Pension Commencement

Once you turn 55 you are permitted to commence a Pension Income Stream from your SMSF.  Importantly when you start a Pension in your SMSF you will never pay tax on realised capital gains (such as profit on share sales) and earnings in the SMSF (such as interest and dividends) again.  For example assume you have a balance of $500,000 in the SMSF earning 8% per annum in realised capital gains and income (ie $40,000 per annum).  In this example you will pay $0 tax when you start a Pension on this income.  This compares to up to 15% if you do not start a Pension saving you $6,000 in tax!  It's the only legal way to eliminate tax left!  Even better ESUPERFUND will setup a Pension absolutely FREE!  This compares to market rate to setup a Pension of $500 per Member.  This means you can save $1,000 or more if you have 2 or more Members in the SMSF and want to setup a Pension.  Further details can be found here.

Saving:  Save $1,000 or more.

Benefit 5:  FREE Ongoing Pension Administration

When you commence a Pension in your SMSF there are a range of additional compliance requirements necessary each year.  These additional compliance requirements are all attended to by ESUPERFUND ensuring your SMSF continues to receive Tax Free Income and Capital Gains.  Importantly the additional compliance requirements are absolutely FREE and are covered by our standard annual fee of $699 per annum!  This is unprecedented in today's market who will typically charge $500 and more for the additional workload per Member.  Further details can be found here.

Saving:  Save $1,000 or more per annum.

Benefit 6:  FREE Automatic Pension and Accumulation Account Merge

Every SMSF Member has a Pension and Accumulation Account.  The total of these Accounts make up the Member's total Superannuation Balance in the SMSF.  At 30 June each financial year ESUPERFUND will review your Member Super Balance including both the Accumulation and Pension Accounts.  Where you have either Multiple Pension Accounts established or a balance in both your Accumulation and Pension Accounts, ESUPERFUND will automatically merge these accounts to ensure your Benefit retains its tax free status.  This can save you thousands of dollars in tax annually.  This service is absolutely FREE!  This is unprecedented in today's market who will typically charge $500 and more for the additional workload per Member.  Further details can be found here.

Saving:  Save $1,000 or more.

Benefit 7:  FREE PAYG Documentation

If you commence a Pension and are aged between 55 and 59, the Pension Income you access must be declared in your personal Income Tax Return.  To do this the SMSF must provide to each Member aged between 55 and 59 PAYG documentation detailing the amounts withdrawn that must be declared in your Tax Return.  The PAYG documentation including the calculation of the relevant taxation and rebate amounts to include in your Tax Return are prepared by ESUPERFUND absolutely FREE of charge!  This is unprecedented in today's market who will typically charge $500 and more for the additional workload per Member.

Saving:  Save $1,000 or more per annum.

Benefit 8:  FREE Binding Death Nominations

To ensure your Super Benefit is distributed in accordance with your wishes on death all SMSF Members should execute a Binding Death Nomination.  ESUPERFUND allows you to do this conveniently on our website for FREE!  This compares to a market rate of $100 per Member.  Further details can be found here.

Saving:  Save $200.

Benefit 9:  FREE Trustee Changes

If you need to add or remove Trustees from your SMSF, ESUPERFUND will arrange all the appropriate documentation for you, including updating account names and notifying the ATO.  This service is absolutely FREE!  This is unprecedented in today's market who will typically charge $200 and more for this service!  

Saving:  Save $200 per change.

Benefit 10:  FREE Member Changes

If you need to add or remove Members from your SMSF, ESUPERFUND will arrange all the appropriate documentation for you, including updating account names and notifying the ATO.  This service is absolutely FREE!  This is unprecedented in today's market who will typically charge $200 and more for this service!  

Saving:  Save $200 per change.

Benefit 11:  FREE Queries

If you have any queries about your SMSF, ESUPERFUND provide an array of education material to answer your queries.  If you need to contact our office we will also attend to your queries FREE of charge.  This is unprecedented in today's market who will typically charge you on a time costed basis.  These time costed services can add $500 or more to your annual compliance bill with other providers but are FREE with ESUPERFUND. 

Saving:  Save $500 or more per annum.

Benefit 12:  No Exit Fees

ESUPERFUND do not charge exit fees and you are free to leave at any time and for any reason.  However if you terminate the services of ESUPERFUND prior to having paid at least one (1) year's annual compliance fee of $699, then a fee of $699 will apply.  If you terminate the services of ESUPERFUND and have paid at least one (1) year's annual compliance fee of $699, then NO fee will apply.

Benefit 13:  Your Super is completely safe

Your Super Benefit is completely safe with ESUPERFUND.  All SMSF Investments including the ANZ V2 Plus Bank Account and Broker Accounts are established in the name of your SMSF.  This is a very important point and gives you total peace of mind that your SMSF is the direct owner of the SMSF Investments.  ESUPERFUND do not have any access to your Bank or Broker Accounts either directly or indirectly.  So in the very unlikely event we cease to operate or trade or become insolvent, all your SMSF Investments are totally protected and secure because your SMSF is the direct owner of the assets.  It is important to understand that only you as the Trustee for the SMSF can access your SMSF accounts.  This is not the case with large Industry and Retail Funds.  Consider the risks in our article "A New Threat Emerges" here.

Benefit 14:  Investment Choice

Clients of ESUPERFUND have a complete range of Investments to choose from to invest their Super Benefit including Cash, Term Deposits, Online Savings Accounts, ASX Listed Securities, Property, Exchange Traded Options, CFDs, Australian and International Managed Funds, Bonds, Metals, Commodities, FX, International CFDs and more.  Clients can even borrow to invest in Residential and Commercial Property.  For more on Investments Allowed under the ESUPERFUND Platform here.

Benefit 15:  Bonus 1% per annum Interest on ANZ V2 Plus Account 

The interest rate payable on the ANZ V2 Plus Account of 4.75% per annum, is 1.00% per annum higher than the standard interest rate offered to retail ANZ V2 Plus clients (currently 3.75% per annum) and is a special wholesale interest rate applicable to ESUPERFUND clients.  Based on an average SMSF cash balance of $100,000, the additional interest payable to ESUPERFUND clients equates to your SMSF receiving additional interest of $1,000 per annum, helping to pay for your SMSF's Annual Fee. Even if your SMSF cash balance is lower, your SMSF will still receive valuable additional interest not available to retail ANZ clients.  Further details can be found here.

Benefit 16:  Trade Shares from $19.95

ESUPERFUND clients can choose to trade ASX Listed Securities through either CommSec or the recently introduced EBROKING Trading Platform.  Importantly clients can trade from as low as $19.95 under the EBROKING Trading Platform.  In addition to offering ESUPERFUND clients more choice, the primary purpose for the introduction of the EBROKING Trading Platform is to offer clients lower Brokerage Rates, resulting in additional fee savings to clients who wish to trade in their SMSF.  A review of clients trading habits reveals that the majority of trades are under $10,000.  The EBROKING Brokerage Fees have been set with this in mind.  Whilst Brokerage Fees under the CommSec and EBROKING Trading Platforms to trades ASX Listed Securities are identical for trades over $10,000 there is a significant fee saving for trades under $10,000 using the EBROKING Trading Platform.  That is for trades under $10,000 the EBROKING Platform offers Brokerage Fees of $19.95 compared to the CommSec Brokerage Fees of $29.95.  This equates a $10 saving per trade or a 33% saving.  Based on a typical SMSF Trader with ESUPERFUND who may do up to 100 trades over the course of a year under $10,000, this equates to a huge saving $1,000 each year!  Every year!  Further details can be found here.

Benefit 17:  Trade CFDs from $7

You can trade Australian Shares CFDs for as little as $7 per trade for trades up to $7,000, one of the lowest Brokerage Rates in Australia.  Australian Share CFD Trades over $7,000 can be traded for as little as 0.10% of the trade.  Further details can be found here.

Benefit 18:  Term Deposit Service

ESUPERFUND has established direct arrangements with a number of Institutions allowing clients to easily apply to invest in Term Deposits online with ING Direct, AMP, ANZ, Commonwealth Bank and Macquarie Bank.  The ESUPERFUND Term Deposit Service is provided to simplify the Term Deposit Application Process.  It is not compulsory and you can invest in Term Deposits directly with any Bank you choose if preferred.  Further details can be found here.

Benefit 19:  Borrow to Buy Property

Clients of ESUPERFUND are permitted to borrow invest in Australian Residential and Commercial Property.  Importantly ESUPERFUND attends to the entire setup process of your SMSF Property Purchase and Loan Establishment.  In addition our annual compliance fee remains at $699 per annum.  This is unprecedented in the marketplace who will charge additional fees upwards of $1,000 for clients who invest in property particularly with borrowings in a SMSF.  Further details can be found here.

Saving:  Save $2,000 or more.

Benefit 20:  Leverage Investments with CFDs 

You can now legally leverage your trading using CFDs.  CFDs are powerful leveraged instruments that can give you maximum exposure for minimum outlay.  CFDs allow you to trade ASX Shares, International Shares, Sectors, Indices, Interest Rate Securities, Commodities and Foreign Exchange using a single trading account.  For example you can trade some of Australia's most popular stocks with as little as 3% margin.  This means for example that you can purchase $10,000 worth of say BHP for only a $300 margin payment.  This gives you maximum leverage to maximise your returns.  But always be careful because the higher your leverage the more potential for gains and losses!  To lessen the risk many clients leverage more conservatively.  For example in the above example you may purchase $10,000 worth of BHP but contribute $5,000 in equity to maximise your equity and lessen your leverage risk.  To avoid all leverage risk then you can contribute the full cost of the trade as a margin payment.  For details about Maximum Margin Rates click here. 

Benefit 21:  Tax Effective Insurance

ESUPERFUND will launch shortly a new Online Insurance offering using AIA that simplifies the Insurance underwriting process using by using a Straight Through Online Insurance Application Platform.  You simply need to visit the AIA Online Insurance Application, answer 10 or so simple questions, and the system will instantly provide you with an Insurance Quote.  In most cases if you accept the Insurance Quote provided you will be instantly covered.  No medicals will be required.  This is unprecedented in the marketplace and makes the Insurance Application process easy.  In some cases depending on your personal circumstances you may need to provide more information or undertake a medical examination.  The Online Insurance Application will automatically advise you if this is the case and a representative of AIA will contact you to finalise the Insurance Application process.  Details of this exciting development will be available soon.

Benefit 22:  Electronic Access to Documentation

To ensure that the SMSF annual compliance obligations can be met, your SMSF must maintain appropriate documentation including rollover documentation, contribution details, share contracts, dividend and managed fund distribution statements and so on.  As a client of ESUPERFUND you are not required to retain or provide source documentation relating to most of your SMSF Investments.  For example for all Share Trades and Bank Transactions, ESUPERFUND receive electronic confirmation of all transactions, so no records are required from you each year as we already have access to them.  Importantly the information we receive is only electronic transaction data and we have absolutely no access to your Share Trading or ANZ V2 Plus Bank Accounts.  Only you as the SMSF Trustee can login and transact on your accounts. This gives you total peace of your mind your super monies are totally secure.

Benefit 23:  ESUPERFUND handles All Annual Compliance Requirements

ESUPERFUND attends top ALL the annual compliance requirements for your SMSF including the Financial Statements, Member Statements, Tax Return and Audit.  You do not need to arrange for another accountant to attend to any additional reporting as it is all attended to and completed by ESUPERFUND. 

Benefit 24:  Reputable Since 2006

ESUPERFUND is a pioneer in online Self Managed Superannuation in Australia and has helped thousands of SMSF Investors establish and manage their own SMSF since the year 2006.  ESUPERFUND is licensed through the Australian Securities and Investments Commission (AFSL Number 340762). Our ASIC details can be found here.  Similarly ESUPERFUND is also licensed with the Australian Taxation Office as a Registered Taxation Agent enabling us to provide SMSF Tax Services.  Our registration can be found here.  Importantly the ATO and ASIC annually review our operations to ensure that we comply with all our taxation and licensing obligations giving you total peace of mind you are receiving a professional and safe service.

Benefit 25:  No Minimum Balance

A common rule of thumb in the superannuation industry is that you should have $200,000 in Super Benefits prior to establishing a SMSF.  Some administrators actually require you to have a minimum amount in order to commence a SMSF, usually $100,000 or more.  Conveniently these same administrators charge you on a percentage basis which can add unnecessary fees to your annual fee.  There is actually no legal minimum balance to establish a SMSF.  You can establish a SMSF with ESUPERFUND with any amount desired.   For more visit our article "The $200,000 SMSF Myth" here.

Benefit 26:  Access Extensive Learning Centre

ESUPERFUND provides an extensive Leaning Centre enabling you to educate yourself about establishing and running your own SMSF.  Our Learning Centre is being constantly expanded and updated to meet your education needs.  Our Learning Centre has recently been updated with extensive Questions and Answers allowing you to access real time answers to common SMSF queries you have.  This is state of the art technology exclusive to ESUPERFUND.  Further details can be found here.

Benefit 27:  No Outsourcing

ESUPERFUND performs all work from its Melbourne Office and uses only qualified accounting staff in Australia.  Our qualified accounting staff ensure that your compliance obligations are professionally and accurately handled.  We do not outsource any work overseas ensuring the privacy of your personal information.

Benefit 28:  Access to Special Offers

ESUPERFUND periodically will offer clients Special Offers not available in the marketplace.  Currently ESUPERFUND in conjunction with ELOANZ (a wholly owned subsidiary of ESUPERFUND) is pleased to offer customers a Special Offer on Home Loans. The Offers include discounted Interest Rates and generous Cashback Offers of $1,500 and more!  For more details click here.

Benefit 29:  Partner only with Reputable Institutions

ESUPERFUND partners with only the largest and most reputable organisations.  The rationale for this is to ensure that your Super benefit is secure. 

Benefit 30:  ESUPERFUND attends to all aspects of an ATO audit

Infrequently your SMSF may be audited by the ATO.  An audit  is not common however it can be a daunting experience for clients.  Importantly ESUPERFUND will handle all issues associated with the audit and will liaise with the ATO directly for you.  In fact in most cases you will not even be involved and the audit issues will be attended to by ESUPERFUND.  For example the ATO may request evidence of the SMSF such as the Trust Deed, documentation evidencing a Pension Setup or certain data in the SMSF Tax Return.  We will deal with these queries for you and where possible ensure you are not bothered with these audit issues.   This service is absolutely FREE!  This is unprecedented in today's market who will typically charge $500 and more for the additional audit work.

Saving:  Save $500 or more.