In a Corporate Super Fund? Add a Bit of Individuality!

When Choice of Fund legislation was enacted back in 2015, it’s doubtful that its framers foresaw the wide range of possibilities opened up for most of Australia’s employees. And it is certain that they didn’t envisage a product as uniquely flexible as the Palmer Separately Managed Account that would emerge as an ideal vehicle for employees wanting to exercise their personal superannuation choices … but, now, they can.

Employer superannuation funds have changed over the years and many employees find that they now belong to a fund that is rather beige. One corporate fund is very like another these days. The move towards a one-size-fits-all approach has not suited everybody; yet, for many, they have been stuck with what they have been given … until now, that is.

Highly regarded fund administrators Praemium (they administer or manage over $100 billion world wide) have released their SuperSMA product, within which the House of Palmer manages three model investment portfolios - Conservative, Balanced, and Growth - as separately managed accounts. This will be of special appeal to those members of a corporate fund who would:

• value the experience and expertise of Joseph Palmer & Sons, a firm that has successfully been managing clients’ money since 1872;


• like to exercise more control over where employer contributions are made;


• like to exercise the choice to have such compulsory contributions made to their own separately managed account (in this instance the Palmer SMA);


• like to ensure that the SMA portfolio they choose more adequately reflects their personal planning needs for the future;


• like, subject to legislation, to add other types of contribution to their Palmer SMA vehicle in order to build the account balance towards their own personal target;


• value being able to use the portability of their Palmer SMA upon leaving their employer or retiring – and always have it with them wherever they go;


• like to know they are paying very low fees on their investments;


• like to know that all administration is being done for them;


• value being able to monitor their Palmer SMA online, 24/7;


• in short, want to add some individuality to their superannuation and retirement planning, while having an extremely dependable – and proven – firm managing their investments.

If this sounds like you, these are the steps you can take to invest in a separately managed account that is as far away from one-size-fits-all as you can get:

1. Call 1300-737-785 and speak to one of our key experts in this area.
2. They will cheerfully explain our Palmer SMA to you.
3. If you are happy with what you hear, our team members will walk you through exactly what you need to do to set up your own Palmer SMA.

Then you may look forward to enthusiastically watching your account balance while the House of Palmer invests on your behalf. That’s smart thinking.

Disclaimer & General Advice Warning

This publication has been prepared by Joseph Palmer & Sons (ABN 29 548 490 818) an Australian Financial Services Licensee (AFSL 247067). Whilst the information contained in this publication has been prepared with all reasonable care from sources, which Joseph Palmer & Sons believes are reliable, no responsibility or liability is accepted by Joseph Palmer & Sons for any errors or omissions or misstatements however caused. Any opinions, forecasts or recommendations reflects the judgment and assumptions of Joseph Palmer & Sons as at the date of publication and may change without notice. Joseph Palmer & Sons, their officers, agents and employees exclude all liability whatsoever, in negligence or otherwise, for any loss or damage relating to this document to the full extent permitted by law. This publication is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. Any securities recommendation contained in this publication is unsolicited general information only. Joseph Palmer & Sons are not aware that any recipient intends to rely on this publication and are not aware of the manner in which a recipient intends to use it. In preparing our information, it is not possible to take into consideration the investment objectives, financial situation or particular needs of any individual recipient. Investors must obtain individual financial advice from their investment advisor to determine whether recommendations contained in this publication are appropriate to their personal investment objectives, financial situation or particular needs before acting on any such recommendations.

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