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Shares/Managed fund

What should be entered as Shares/Managed fund

  • The following should be added under Shares/Managed fund:

    • International and Australian Shares

    • Managed funds - you can choose from a variety of investment profiles (e.g. Balanced, Growth) with pre-filled assumptions for the returns and fees

    • Exchange traded funds (ETFs)

  • Shares and managed funds can be owned by:

  • (error) Do not enter under Shares/Managed fund:

How to add Shares/Managed fund

To add shares/managed fund owned by an Individual or Individuals:

  1. If it's already owned - Go to the Current situation step (top menu) and then choose the Assets & Loans sub-step. Then click the Add assets button (on the left) and choose Shares/Managed fund

  2. If it's recommended or new - Go to the Cashflows & Goals step (top menu) and then choose the Review assets & loans sub-step. Then click the Add new assets & loans button (end of the page) and choose Invest in shares/Managed fund

To add shares/managed funds owned by an SMSF or Trust:

  1. If it's already owned - Go to the Current situation step (top menu) and then choose the Super & Trusts step

  2. Add the SMSF or Trust, then click the Add investment to SMSF or Add investment to Trust button

Modelling options for Shares/Managed fund

Take out a new investment in directly owned shares or a managed fund

  1. Go to the Cash flows & Goals step, then the Review assets & Loans sub-step, then click the Add new assets & loans button (end of the page) and choose the Invest in shares/managed fund option.

  2. Fill in the fields as required

Make deposits or withdrawals from a directly owned managed fund

  1. Go to the Cashflows & Goals step, then the Review assets & Loans sub-step

  2. Find the shares/managed funds you want to control (these could be existing or new)

  3. On the Instructions for shares/managed funds field, choose the Make deposits/withdrawals option and fill in the fields

  4. For the field options, if you see the series builder, you can specify deposits year-by-year, including optimising them. For more information see How to use the series builder

Reinvesting dividends (or not)

You can specify what percentage of the dividends must be invested using the % income reinvested field, which is on the Shares/Managed fund form.

If you have a dividend reinvestment plan (DRP), then for the % income reinvested field, put '100'.

Franking credits

Franking credits are included in the assumptions for the Investment profile you have chosen. For more information see Understanding franking credits for shares/managed funds.

Solving tips

  • To find out what default returns are being used (i.e. dividends, growth, franking credits), go to the Results > Strategy summary. (for more information see How to see and edit the assumptions). If you would like to use different assumptions, please contact Optimo Financial.

  • If several packets of shares have been purchased, and you don't mind a less precise CGT calculation if they're sold, it's not necessary to enter each packet separately, you can work out the total balance, and then enter a single Shares/managed fund item.

Results for Shares/Managed fund

For directly-owned shares/managed fund see Shares/managed fund results.

Related items

Strategy Development Service (SDS) and Background adjustment options

If the case includes complex analysis that you are not able to do in Pathfinder yourself, Optimo Support may be able to do some background adjustments to help you get the results you need. Depending on the complexity, this may be included as part of the standard support or additional charges may apply. For more details, please see Modelling outside the scope of Pathfinders' standard modelling.

Some examples of things that are outside the scope of Pathfinder's modelling and how Optimo support can help, are listed below:



What to tell support

Situations where additional charges may apply

Adjust assumptions (e.g. income, growth, fees)

By default, Pathfinder fills in assumptions for shares/manged funds based on your selected profile.

  • The name of the investment

  • What you would like the returns to be. We can adjust:

    • Income %pa

    • Growth %pa

We can typically do this adjustment as part of support as a one-off, for a trial case or as part of a workaround.

If you regularly want to use different assumptions from the Optimo defaults, then you can contact support and request to set up custom assumptions (where additional charges may apply).

Options for borrowing (including margin loans)

You can add loans to shares/managed funds, however, the borrowing may not be what you expect (too high or too low)

See Secured loan | Strategy-Development-Service-(SDS)-options

See Secured loan | Strategy-Development-Service-(SDS)-options

More precise controls of deposits, withdrawals and balances

There are many options available in Pathfinder to control dposits, withdrawals and balances for shares/managed funds, however, if you are not able to get the results you are looking for, then support can apply a background constraint.

  • The name of the case

  • The scenario(s) you would like to apply it to

  • The name of the investment

  • What you would like the deposits, withdrawals or balance to be. Please specific exact amounts and financial years. For example, withdraw $5,000 a year (indexed by CPI) until 2030/31 (inclusive)

Cases with:

  • If there are a lot of investments to adjust

  • Where the adjustments are relative to other investments. For example, deposits to the shares/manged fund should be equal to extra repayments on the home loan

Keeping the balance of directly held shares/managed funds in proportion with another investment

For example, 40% international shares, 40% Australian shares, 20% cash.

  • The list of investments and the proportions you want to keep them in

Additional charges may apply depending on how mcuh work it is to implement (e.g. if they are several investments)

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