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My Platform Rules
Disruptors Panel 1
Panelists
• Arnie SelvarajahChief Executive Officer, Bell Direct
• Mark PerryManaging Director, PHAROS Financial Group
• Matt LawlerChief Executive Officer, Yellow Brick Road
2
Facilitator• Connie Mckeage Managing Director, OneVue
3
AUSTRALIANS AND PROPERTY IN SMSFS
Themes
Is leveraging ok in super?
Why Super
Does property belong?
What kind of
property are
SMSFs investing
in?
The self-
directed Does the digital generation want advice?
SMSFs have utilised property and lending
4
Direct Property ASX Listed Separately Managed Accounts
Managed Funds Cash and TDs Other Borrowing0%
5%
10%
15%
20%
25%
30%
35%
40%
SMSF MarketOneVue Clients
Source: ATO as at June 2014 (assumed that 100% of LRBAs relate to property), OneVue as at December 2014
Direct Property in SMSFs increased 1.6% over 5 years
5
June 2009 June 2010 June 2011 June 2012 June 2013 June 20140%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
14.8% 15.3% 15.5% 16.6% 16.2% 16.4%
SMSF Asset Allocation – by Year
Direct Property ASX Listed Managed FundsCash and Term Deposits Other Borrowing
Source: ATO (assumed that 100% of LRBAs relate to property)
Residential property less than one quarter of SMSF property investment
6
June 2009 June 2010 June 2011 June 2012 June 2013 June 20140.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
Residential / Total Property
And unchanged in the past 5 years
Source: ATO, excludes classification of LRBAs
Growth has been in residential property between $200,000 and $1m
… but lower for other SMSF sizes
$1-$50k >$50-$100k >$100-150k >$150-200k >$200-$500k >$500k-$1m >$1-$2m >$2-$5m >$5-$10m > $10m0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%
Non residential property (2009) Non residential property (2014)Residential Property (2009) Residential Property (2014)Limited recourse borrowing arrangements (2014)
8
PASSING THE SMSF BATON
• Over the next 20 years, the share of financial assets held by Generations X and Y will grow from 36% in 2010 to approximately 70% in 2030
• By 2020 40% (est. 145,786) of today’s managers in family and small businesses will have reached retirement age
• Will this make a difference?