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Why Replace your Trust Deed


The Alan Skerritt Consultancy provides an integrated range of services for

Self Managed Superannuation Funds.

  

  • Full SMSF Administration and Compliance Services

  

  • Fund Establishment - including the Fund's Trust Deed

  

  • Pension Establishment and Maintenance


For details of our other services - follow this link:





  

Replacement Trust Deed

The Alan Skerritt Consultancy

                   Specialists in Superannuation

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We are an independent family owned business that has specialised in Self Managed Superannuation (SMSF) for more than 30 years.

 

Other Services we provide:

$660 (incl GST)


It is important that your SMSF maintains an up-to-date Trust Deed which includes the current legislative requirements.


 We can arrange for a replacement Trust Deed to be prepared, which will include details of:

  

  • Binding Death Benefit Nominations
  • Non-lapsing Binding Death Benefit Nominations
  • Latest pension definitions
  • Rules about fund borrowings under an instalment warrant


The most Common changes that should be reflected in Deeds are:

  

  • Provisions to make spouse contributions
  • Splitting of contributions with a spouse
  • Provision to accept government co-contribution payments on behalf of a member
  • Provision to pay Transition to Retirement Pensions (ie benefit payment whilst member is still working)
  • Proper definitions of a disablement to allow for TPD benefits to be paid
  • Ability to pay Term Insurance premiums
  • No requirement to pay a benefit at retirement age
  • Adequate borrowing provision for Instalment Warrants

  

Welcome

The Alan Skerritt Consultancy

Windsor Holdings Pty Ltd  (ACN 010 018 041 ABN 12 862 040 559)

(Incorporated in Queensland)  Trustee

 info@skerritt.com.au


Why should you replace your

SMSF Trust Deed?


Superannuation is an area where the law is constantly being updated. If your existing Trust Deed conflicts with any changes, this may create a breach for your fund.


For example, if you haven't changed your Deed for a few years, it may require you to start paying out a pension at age 65. This may be contrary to your wishes.


In 2007 the types of pensions payable from a SMSF changed. For example the minimum only "Account Based Pension" only came into existence in 2007.


Or, you may assume you can pay a pension after age 55, under a Transition to Retirement Pension. However, this won't be allowed if your current Deed prescribes what pensions are payable and does not include these types of pensions.


Many Trustees are interested in borrowing money to purchase property to hold in the fund. Step one of this process is to ensure your fund's Trust Deed contains the correct clause to permit such an investment.


These are just a few examples of why you should periodically update your fund's Deed.