Superannuation Services


3 Dimensions have helped many of our clients manage their financial affairs successfully, in cases encouraging them to make more of their investment decisions themselves. This has often included self-managing their own superannuation funds.

Self managed superannuation funds have many advantages for investors compared to using a traditional institutionally managed superannuation fund.

·   The opportunity to reduce income tax on investment income and capital gains;

·   Increased flexibility in investment choices and the asset selection;

·   Control over your total investment portfolio, with the ability to take account of the risk profile of all   your assets, including those held outside superannuation;

·   The ability to have between 1-4 members of the fund to allow the pooling of resources with people with similar financial objectives (for example a family unit or business partners);

·   Increased flexibility to deal with any reasonable benefit limit problems that a member may have and the payment of self funded retirement income streams in conjunction with the age pension(if eligible) in line with your own investment strategy tailored to your retirement income needs

·   The ability to transfer personally owned shares and other listed securities directly into superannuation; and

·   The ability to own your businesses real property (but not operating assets) in the superannuation fund,  assisting funding and cashflow problems for many businesses.

·   Incorporation of life insurance to supplement your retirement benefits to protect the well being of your dependents and tailored to your estate planning needs

For these and other reasons many our clients and 3 Dimensions have used a self managed super fund structures, allowing the tax effective accumulation of financial assets for retirement.

It is our view that it is essential to combine the highest quality financial advice with accounting, legal and administrative expertise of the highest calibre. We have assembled a high quality team of professionals together, through strategic alliances (refer: Financial Planning Services), to achieve these aims.

3 Dimensions constantly strives to achieve the following goals:

·   To provide a premier service in relation to self managed superannuation for a competitive cost that is clearly communicated to the client before the commencement of any year;

·   To provide a high quality advisory team in relation to all advice in regards to superannuation, and in particular self managed superannuation;

·   To provide a completely independent service that is not biased, by providing effectively a rebate of all upfront fees that would be normally received in relation to any investment product;

·   To use our strategic alliances to provide clients with wealth creation, wealth protection and legal services that may be useful to self managed superannuation funds. We do not receive any fees or commissions from Smith Barney Citigroup Australia Pty Ltd that would normally provide a financial adviser a fee for such an introduction;

·   To provide a service that remains attractively priced to provide the majority of funds with a lower total management expense ratio than if they were using an institutionally managed superannuation fund.

Self Managed Superannuation Funds, represent the most effective tax and social security investment structure available. In addition they represent both an effective form of creditor protection and a unique opportunity for estate planning by allowing the provision of tailored pensions and lump sum benefits across generations.

3 Dimensions can discuss the superannuation options available to you that best suits your personal financial circumstances.