Overview

The Self-Managed Super Fund Handbook is a comprehensive, practice-driven guide to the full lifecycle of a Self-Managed Superannuation Fund (SMSF) in Australia - from establishment through to estate planning, pension commencement, and wind-up. Written by Certified Financial Planner Paul Yang, drawing on over a decade of hands-on advisory experience, the book is built around more than 40 real-world case studies documenting over $7.2 million in financial mistakes made by well-meaning trustees who did not understand the rules they were operating under. The book opens with three financially successful professionals who discover they have arrived at radically different retirement outcomes - framing the text for informed self-managers, informed delegators, and the disengaged majority alike. Across nine chapters and practical appendices, it covers whether an SMSF is right for you, trustee obligations and personal liability, the ""six iron laws"" of SMSF investment (sole purpose test, related party prohibitions, lending rules, investment strategy requirements, in-house asset limits, and collectibles rules), and a deep dive into Limited Recourse Borrowing Arrangements including bare trust structures, cash flow analysis, and exit strategies. The tax architecture chapter maps the three phases of SMSF taxation - accumulation, transition-to-retirement, and pension - explaining ECPI, franking credits, capital gains timing, and NALI/NALE provisions through real case studies. Dedicated chapters address insurance planning (life, TPD, income protection, and public liability), the contribution and withdrawal labyrinth (concessional and non-concessional caps, the transfer balance cap, downsizer contributions, salary sacrifice, and catch-up provisions), estate planning (BDBNs, testamentary trusts, and death benefit tax optimisation), and the wind-up process including CGT traps, overseas relocation, and aged care considerations. The book concludes with nine distilled truths from the author's practice, a behavioural finance analysis of the six emotional patterns that damage SMSF performance, and appendices including an establishment checklist, annual compliance calendar, glossary, legislative references, and questions to ask your SMSF adviser. The tone throughout is authoritative yet accessible, anchored in the conviction that informed engagement is the single most reliable predictor of SMSF success.

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9781764535724

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Author Information

Paul Yang is a seasoned financial planning professional with over a decade of experience in the Australian financial services industry. Holding the Certified Financial Planner (CFP(R)) designation - the gold standard of the profession - Paul is deeply committed to the highest standards of ethics, professionalism, and client-centred advice.Paul specialises in working with high-net-worth individuals and families, offering expert guidance across investment planning, retirement planning, Self-Managed Super Funds (SMSF), personal and business insurance, and business succession planning. His holistic approach goes beyond the numbers: as a qualified NLP Practitioner, Paul draws on behavioural insights to foster genuine understanding and lasting outcomes for his clients.In addition to his advisory practice, Paul serves as a lecturer in the Master of Financial Planning, where he teaches strategic planning, retirement planning, and investment methodologies - nurturing the next generation of financial planning professionals. He also contributes to the broader profession as an active member of the Sydney Chapter Committee of the FAAA, championing best practices and the welfare of financial planners across Australia.Paul holds a Master of Finance and a Master of Financial Planning from Curtin University, and brings an analytical rigour shaped by his engineering background to every client engagement.

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