Offering control, transparency and cost effectiveness

Super is one of the best ways to save for your retirement simply because of its favourable tax treatment.

Creating your own Self-Managed Super Fund (SMSF) gives you the additional benefits of:

  • control
  • choice and flexibility
  • transparency
  • cost-effectiveness
  • tax efficiency

We offer professional advice on setting up, managing and administering your SMSF, including:

  • strategy and costs associated with setting up your own SMSF
  • recommending and managing your investments
  • maximising your tax benefits
  • full and ongoing administration of funds, accounting and compliance


We work closely with you to determine what, where and how to invest.

Choice and flexibility

SMSF’s are flexible. You can transfer listed assets into your fund or use it to purchase your business premises. You can even use your fund as a geared investment vehicle.

If you are over 55 and thinking of winding back your work, you can start a Transition to Retirement Income Stream (TRIS) and access your super by way of pension payments.

On retirement you can take your super as a lump sum or use it to purchase a retirement income stream. If you choose the latter you will receive a tax-free income.


Your SMSF is transparent (unlike most industry or public offer funds).

You can see the assets you hold, the income they generate, the franking credits you receive and every transaction that passes through the fund bank account.


SMSF’s may be cost effective depending on the size of the fund. Typically a public offer fund may charge as much as 2.5% per annum depending on the fund manager and investment option you select. A self-managed fund will cost closer to 1% per annum for a fund with $1 million in assets.

Tax efficiency

As SMSF’s benefit from concessional tax rates, they offer tax advantages over and above other forms of investment and wealth management.

Like all super funds, in the accumulation phase tax on SMSF investment incomes is capped at 15%. In pension phase, there is no tax payable, not even capital gains tax.

In addition, one of the advantages of operating an SMSF is the ability to purchase investments that pay franked income. Being able to pick and choose your shares to ensure both maximum tax efficiency and a diversified portfolio is one of the big selling points of managing your own superannuation fund.

Franking credits from dividends can eliminate or reduce the tax you have to pay on your SMSF’s earnings, including any capital gains your fund may receive.

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McEwen Investment Services

4/53 Grandview St
McEwen Investment Services Sydney North Shore