SMSF investment

The super laws demand that trustees formulate and implement an investment strategy, and consider any super fund investment in light of your fund's investment strategy.

You must also ensure that your super fund doesn't break any special super investment rules. Year in year out the three most popular investment classes for SMSF trustees are: direct shares, cash (and term deposits) and direct property.


Self-managed super funds also invest in listed and unlisted trusts, other managed investment schemes, debt securities, derivatives and instalment warrants, collectibles, overseas investments and other investments.

Set out below are all SuperGuide articles explaining SMSF investment.

SMSF trustees unfairly targeted by super tax illiterates

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Some leaders in the superannuation sector and in some economic think tanks are ignorant about SMSFs, including how the super tax rules work generally. Yet we have numerous pronouncements by various individuals and organisations about SMSFs not paying tax, or SMSF trustees not having the skills to … [Read more...]

Guest contributor: Taxing pension earnings, and benefits, will deliver minimal tax revenue

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Note: the Financial System Inquiry final report suggests that super pension fund earnings should be taxed, rather than continue to receive tax-exempt status. Why? So it will reduce costs for super funds, but it most certainly will increase costs for fund members, and significantly reduce retirement … [Read more...]

Guest contributor: Franked dividends are not a tax concession

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Note: Although not referenced with reviewing the tax treatment of investments, the Financial System Inquiry final report states that it does not see a strong case for retaining dividend imputation for Australian shares. In plain English, the FSI holds the view that Australian share dividends should … [Read more...]

FSI recommends ban on SMSF borrowing

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In its final report publicly released on 7 December 2014, the Financial System Inquiry (FSI) recommends the removal the borrowing exception that permits ‘direct borrowing’ using limited recourse borrowing arrangements, but only for any future transactions. The FSI uses the term ‘direct borrowing’ … [Read more...]

Four reasons to buy insurance via your super fund

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Choosing the right level of insurance cover within your super fund is one of the three big decisions you make when joining a fund, along with choosing your investment options and deciding how much you want to contribute to your fund. (I explain the insurance options available within your super fund … [Read more...]

New rules: SMSFs and life insurance

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Q: I am a self-employed businessman with my own SMSF. I would like to know if I can arrange insurance (s), for example, death cover etc through my fund with the premiums paid from the fund. Could you recommend any companies that may supply these services? The short answer to your first question … [Read more...]

SMSF investment: Franked dividends lose some shine from 1 July 2015

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The Liberal government has committed to reducing company tax to 28.5%, effective from 1 July 2015 (subject to legislation). If the company tax rate drops to 28.5%, so does the level of franking credits linked to Australian company dividends. The policy to cut company tax was originally linked to … [Read more...]

Asset classes: Naming the investment winners for the 2014 financial year

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Australian and international shares delivered the biggest returns for the 2014 financial year (1 July 2013 to 30 June 2014), according to Warren Chant of rating company, Chant West. In the table appearing later in the article, Chant West lists the investment performance of 13 asset classes, and … [Read more...]

Oops! Top 10 SMSF boo-boos

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Note: Every year, the ATO publishes the top compliance mistakes made by SMSF trustees. This article contains data up to 30 June 2013. The next update, for compliance data up to 30 June 2014, will be available in early 2015. The ATO has published the top 10 compliance mistakes that SMSF trustees … [Read more...]

SMSF investment: Three most popular asset classes, and the rest (updated)

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Note: We regularly update this article with the latest data on self-managed superannuation funds (SMSFs) released by the Australian Taxation Office. This article contains the latest data available up to June 2014 (for data as at March 2014). Each quarter the ATO releases self-managed super fund … [Read more...]