fbpx
cashelfo bannercashelfo banner desktop

Global Investment Options

Explore Global Investment Options in Australia with Cashel Family Office

Diversify your financial future and gain access to an unparalleled global range of carefully curated investment, debt and insurance products. Learn more about how we advise investors on the best Australian investment options for their portfolios.

Assess your personal financial goals

Review and negotiate suitable products

Diversify and grow your financial future and wealth

As active asset managers, we access a diverse range of financial products, investments, debt instruments and insurance risk management tools to deliver your goals via our Cashel Managed Investment Account and Cashel Superannuation Fund. Regardless of your risk profile, our team can create a global investment strategy that includes dynamic and safe investment options in Australia.

An overview of the available investment options in Australia include:

Australian and International Shares

Build an investment portfolio that reflects your personal goals. We offer you the flexibility to invest in the best investment options and shares via a Separately Managed Account or a Managed Fund. You’ll have access to over 4,000 Australian and International Direct Equities.

Find Out More

Separately Managed Accounts

Through active management by our portfolio managers, you can invest directly in Australian shares and global exchange-traded products. . For investors seeking cost-effective investment options in Australia these accounts provide lower transaction costs and greater transparency than a Managed Fund. Shares will be bought and sold in your name under strict investment guidelines.

Find Out More

Managed Funds

Our Managed Funds include investment trusts and money investment options actively managed by global portfolio managers. Our Cashel Managed Investment Account and Cashel Superannuation Fund give you access to over 1,000 Managed Funds, which have been selected based on their potential for growth, stability and security.

Find Out More

Opportunistic Investments (IPOs and Private Equity)

As wholesale or professional investors, you will be invited to participate in direct opportunistic and special-situations investments. This may include private equity, turn-around, activist and IPO opportunities.

Find Out More

Fixed Interest, Bonds and Term Deposits

Fixed Interest, Bonds and Term Deposits can help you protect your money investment options and wealth and diversify away from equity and real estate markets. We can help you gain access to over 40 bank-guaranteed deposit providers, a list of global bonds and private debt fixed-interest instruments.

Find Out More

Debt Products

We assist in sourcing, structuring and negotiating debt products from over 45 Australian-regulated lenders and over 100 international banks, private and institutional fixed-income investors to suit your individual needs. We also help navigate the risks associated with lending, including servicing interest and debt repayments, ensuring your transactions are simple and secure.

Find Out More

Insurance Products

Protecting yourself and your family against death, disability, loss of income and loss of property is an important consideration when planning your future. Aside from recommending the best investment options in Australia, we provide access to a range of insurance companies and assist in negotiating an outcome that is best suited for you and your family.

Find Out More

Estate Plans

We assist in the briefing of the commercial and financial aspects of your estate plan, taking care of areas that are legal or tax advisors easily overlook. While we are not able to complete your legal will, we can work with you to manage this process with your trusted legal advisors.

Find Out More

FAQs

  • How are financial planners paid?

    A typical financial planner may charge $1,500 to $10,000 for a plan known as a statement of advice. They may then charge additional fees for execution of the plan.

    Cashel Family Office typically does not charge financial planning fees. Our financial planning services are included as part of our investment management services for which we typically charge a flat ongoing 1.1% fee plus performance fees for when we beat the market. Under this scenario, we are encouraged to protect capital and grow it through the selection of the right financial planning strategies, cheapest debt sourcing and optimize investment management. There is no additional cost to reply to an email or have a meeting.

  • What lifestyle should I expect in retirement?

    According to the Association of Superannuation Funds of Australia Limited (ASFA) the retirement lifestyle definitions are:

    Comfortable

    • One annual holiday in Australia and regularly eating out at restaurants (good range and quality food)
    • Owning a reasonable car
    • Afford bottled wine, good clothes and afford regular hair cuts at a good hairdresser
    • Take part in a regular leisure activity
    • Own a range of electronic equipment, replace kitchen and bathroom over 20 years and maintain private health insurance

    Modest

    • One or two short breaks in Australia near where you live each year and infrequently eat out at restaurants that have cheap food
    • Owning an older less reliable car
    • Afford cask wine, reasonable clothes and afford regular hair cuts only at a basic salon
    • Take part in one paid leisure activity infrequently
    • Not much scope to run air conditioner, no budget for home improvement

    For Pension

    • Even shorter breaks and only club special meals
    • No car
    • Home brew beer, basic clothes and less frequent haircuts
    • Only taking part in no cost activities
    • Less heating in winter, no budget to fix home and no private health insurances

    Cashel Family Office believes that most people want a lifestyle that is broader and more fulfilling than these narrow definitions. We have made it our mission to achieve more for our clients.

  • How much do I need in my superannuation to live a comfortable lifestyle today?

    According to Money Smart and ASFA to live a comfortable lifestyle in retirement now, you will need the following in your superannuation fund:

    • If you are single, $646,626, which over 25 years, at a rate of return of 5%  will generate a retirement income of $43,695 p.a.
    • If you are a couple, $888,850, which over 25 years, at a rate of return of 5%  will generate a retirement income of $60,063 p.a.

    This assumes you own your home outright.

    If you would like to live a  modest lifestyle in retirement now, you will need the following in your superannuation fund:

    • If you are single, $359,163, which over 25 years, at a rate of return of 5%  which will generate a retirement income of $24,270 p.a.
    • If you are a couple, $516,635, which over 25 years, at a rate of return of 5%  which will generate a retirement income of $34,911 p.a.

  • How much do I need in my superannuation fund to live a comfortable lifestyle in 30 years?

    According to ASFA to live a comfortable lifestyle in retirement in 30 years, assuming inflation of 2.5% p.a, you will need the following in your superannuation fund:

    If you are single, $1,323,261, which over 25 years, at a rate of return of 5% should generate a retirement income of $89,109 p.a.
    If you are a couple, $1,818,950, which over 25 years, at a rate of return of 5% should generate a retirement income of $122,986 p.a.
    This assumes you own your home outright.

  • How much is superannuation taxed?

    Superannuation is one of the most tax effective investment structures to accumulate wealth in. The tax rate varies depending on your stage of life:

    • Accumulation phase. During your working career income tax will be applied at 15% and capital gains tax applied at 10% within your superannuation fund
    • Pension phase. During your retirement you will pay 0% tax for member balances less than $1.6 million.

  • Do I need a self managed superannuation fund to retire comfortably?

    No. Self-managed super funds are actually one of the most expensive structures to accumulate superannuation in. In 2013, Rice Warner conducted research that indicated that the average SMSF costs were $8,033 per year. Along with having in-appropriate insurances, a SMSF is one of the major costs that can impact your retirement lifestyle.

    Only where you have over $1 million in your SMSF does the costs of operating it compare favorable to a retail superannuation fund. Despite this, the latest research shows that approximately 65% of SMSF have less than $1 million invested, 43% have less than $500,000 invested and 19% have less than $200,000 invested.

  • Why would I use a self managed super fund?

    Under the recent changes to the legislation that governs superannuation, there are limited benefits to having a SMSF. The main reasons that would make a SMSF appropriate for you are the following:

    • If you would like to buy real estate. A SMSF enables you to obtain gearing and to buy real estate. However the new legislation means that you may utilise the full contributions cap within your SMSF through one property acquisition and hence have a retirement fund highly concentrated to the success (or failure) of one or two real estate assets. Financing in a SMSF is also generally more expensive than gearing outside of a SMSF.
    • If you would like to have multiple members, including children. A SMSF enables you to have multiple members including those under the age of 18. However this can also be achieved with some retail superannuation funds, such as through the Cashel Superannuation Fund.
    • If you would like to take advantage of reserve accounting principles. Reserve accounting principles enables you to manage the contributions cap under the $1.6 million limit through accounting for volatile investment returns. If you have not been doing this to date, this is likely to be something of focus by the ATO.

    If you are a trustee of a SMSF and intend to work overseas you will likely be treated as a non-resident and as such be taxed as such, under these circumstances you would be best to transfer the assets to a small APRA fund or a Retail Superannuation Fund.

    Many people were advised to set up a SMSF to enable broader investment options. This is no longer needed, many industry super funds are allowing direct share investments, and Cashel Superannuation Fund enables complete choice (within reason) due to its global custody arrangement.

  • What is a small APRA fund?

    A small APRA fund (SAF) is essentially a self-managed super fund with a professional trustee. A SAF offers all the freedom and flexibility of a self-managed super fund but without the associated trustee responsibilities and risk of compliance breaches. There are, however, costs that are higher than a retail super fund.

  • How can I calculate what I will have for retirement?

    Please feel free to contact a Cashel Family Office adviser to assist with calculating your likely retirement savings. Alternatively please use the calculators provided on the ASIC Money Smart website.