At ESUPERFUND our aim is to ensure our services are provided at a fee significantly below market.  Consider the following fee comparison of the SMSF services provided by ESUPERFUND:

SMSF Establishment

Under our current Promotional Offer (see here), ESUPERFUND do not charge an SMSF Establishment Fee to setup a SMSF.  Consider how our fees compare to the market for this service:

	$
ESUPERFUND:	FREE
Market Fee:	$500

SMSF Annual Compliance including Audit

Under our current Promotional Offer (see here), the First Years annual compliance fee is FREE.  This is a saving of $699.  At the conclusion of the promotional period our standard Annual Compliance Fee will apply.   Currently 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 per annum 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 irrespective of the size or number of transactions your SMSF makes.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	$699 pa
Market Fee:	$1,500pa - $5,000 pa

Pension Setup

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% in realised capital gains and income (ie $40,000).  In this example you will pay $0 tax when you start a Pension.  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!  ESUPERFUND attends to all Pension Setup Requirements for your SMSF for FREE.  Consider how our fees compare to the market for this service:

	$
ESUPERFUND:	FREE
Market Fee:	$500 pa per Member

Pension Annual Compliance

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.  ESUPERFUND attends to all Pension Annual Compliance Requirements for your SMSF for FREE.  Consider how our fees compare to the market for this service:

	$
ESUPERFUND:	FREE
Market Fee:	$500 pa per Member

Merging Pension and Accumulation Accounts

Every SMSF Member has a Pension and Accumulation Account.  The total of these Accounts make up the Member's Total Super Benefit in the SMSF.  At 30 June each financial year ESUPERFUND will review your Member Super Benefit including both the Accumulation and Pension Accounts.  Where you have a balance in both your Accumulation and Pension Accounts, ESUPERFUND will automatically merge these accounts to ensure your Super Benefit retains its tax free status.  ESUPERFUND attends to all merger documentation for your SMSF for FREE.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	$500 pa per Member

Merging Multiple Pension Accounts

After commencing a Pension some clients during the Financial Year will make additional contributions to their SMSF.  These additional contributions will be allocated to the Members Accumulation Account.  Earnings on the Accumulation Account will not be tax free in the same way as earnings on the Pension Account.  To the extent that the additional contributions made to the Accumulation Account are sizeable, clients may wish to commence a second Pension at the time the contribution is made to ensure the earnings on the additional contributions made are also tax free.  At 30 June each financial year ESUPERFUND will review your Member Super Benefit.  Where you have Multiple Pension Accounts established, ESUPERFUND will automatically amalgamate the Multiple Pensions into one Pension.  ESUPERFUND attends to all merger documentation for your SMSF for FREE.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	$500 pa per Member

Annual Pension PAYG Summary

When you commence a Pension between the age off 55 and 59 you must prepare an annual PAYG Summary detailing the Pension taken during the Financial Year.  This documentation must be lodged together with your individual tax return.  When you are over 60 this documentation is unnecessary as the Pension withdrawals are tax free.  ESUPERFUND attends to all Annual Pension PAYG Summary documentation for your SMSF for FREE.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	$500 pa per Member

ETP Lump Sum Withdrawal Documentation

You are permitted to take Lump Sum Withdrawals from your SMSF once you are "over 65" or "over 55 and Retired" or have Unpreserved Super.  When you take a Lump Sum Withdrawal between the age off 55 and 59 you must prepare ETP Lump Sum Withdrawal Documentation.  This documentation must be lodged together with your individual tax return.  When you are over 60 this documentation is unnecessary as all Withdrawals are tax free.  ESUPERFUND attends to all ETP Lump Sum Withdrawal documentation for your SMSF for FREE.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	$500 pa per Member

Trustee and Member Changes

If you need to add or remove Trustees or 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!  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	$200 per change

Binding Death Nomination

Your Super Benefit does not form part of your estate on your death. This means that your Super Benefit will not necessarily be distributed in accordance with your "Will" on your death. To ensure that your Super Benefit is distributed in accordance with your wishes you are permitted to make a Binding Death Nomination.  A Binding Death Nomination "binds" the Trustees of your SMSF to pay your Super Benefit as you intend.  ESUPERFUND attends to all documentation to implement a Binding Death Nomination for FREE.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	$100 per Member

Taxation and Administration Queries

Clients are permitted to contact ESUPERFUND about any administration or taxation queries concerning their SMSF.   ESUPERFUND attends to all client queries for FREE.  Consider how our fees compare to the market for this service: 

	$
ESUPERFUND:	FREE
Market Fee:	Time Costed but typically $500 per annum

How do we keep our fees so low?

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.