Designer Superannuation

Before Eclipse Initiatives …

Buy regular retail superannuation from an insurance company, fund manager or bank and you could be paying a salesperson's commission every year for the rest of your career, for a task they only performed once. Your investments, even when you have the choice, will be limited to managed funds.

Mass produced super is designed in general to suit everyone. So it ends up being designed in particular for no-one.

You may have accepted this when you thought there was no alternative. Now Eclipse Initiatives present Designer Super - a vastly more efficient strategy for retirement saving that makes retail superannuation obsolete.

Eclipse Designer Super

Eclipse Designer Superannuation is built from the ground up with you exercising effective control as trustee. It is purpose-designed to align precisely with your retirement lifestyle objectives.

Your life insurance can be tax deductible if included in your purpose-designed super fund - a clear advantage on its own and just one of many …

Designer Super can also invest in direct shares while traditional retail super cannot. Once you invest in direct shares, you eliminate fund manager fees.

Direct shares, owned by your Designer Super, that pay fully franked dividends can offset to a significant degree the 15% tax on superannuation earnings.

And should you prefer managed funds for their diversification benefits, Eclipse Designer super can select wholesale funds with no entry or exit fees and around half the ongoing fees of retail managed funds.

Eclipse Designer Super can be structured so your super fund owns your business premises or direct real estate chosen for its generous depreciation allowances.

Direct real estate owned by your Designer Super can be disposed of after it has started paying you a retirement income. At this point the property sale proceeds are free of capital gains tax.

If you purchase a lifetime annuity from a life company and if you and your spouse both die earlier than expected, you may have to forfeit the remaining balance to the life company. With a lifetime pension managed in your Designer Super you will not have to lose any money to a life office. In this case Designer Super can retain the remaining balance for the benefit of your children.

Now there's Eclipse Designer Super. You'd wonder why anyone with substantial assets would opt for a mass produced super product.