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SMSFs for beginners

In this section you can learn the fundamentals about self-managed superannuation funds (SMSFs). The following articles are our key features explaining the basics about SMSFs:

  • What are the key differences between SMSFs and public offer funds - Pixmac000001992294 compare apples 100x75

    What are the key differences between SMSFs and public offer funds

  • What is a self-managed super fund (SMSF)? - how smsfs work 163014144 c 100x75

    What is a self-managed super fund (SMSF)?

  • How to set up an SMSF correctly - Start SMSF 10351510 xl 2015c 100x75

    How to set up an SMSF correctly

  • How much super do you need to set up an SMSF? - SMSF costs 2533839 c 100x75

    How much super do you need to set up an SMSF?

  • SMSF compliance: A guide to trustee responsibilities - Compliance 38806167 c 100x75

    SMSF compliance: A guide to trustee responsibilities

  • What type of people have SMSFs? - 415772853 03ad26b7e0 o profile 100x75

    What type of people have SMSFs?

  • SMSF investment rules: What every trustee should know - Rules 11275118 c 100x75

    SMSF investment rules: What every trustee should know

  • How to create an SMSF investment strategy (including examples) - Drafting 11320464 c 100x75

    How to create an SMSF investment strategy (including examples)

  • SMSF declaration

    Guide to the SMSF trustee declaration

  • What to consider when looking for an SMSF provider - Pixmac000084507656 work trip 100x75

    What to consider when looking for an SMSF provider

  • How to evaluate whether an SMSF is right for you - Pixmac000012103215 dictionary book 100x75

    How to evaluate whether an SMSF is right for you

  • See also SuperGuide's main SMSFs section.

    Set out below are all SuperGuide articles that relate to SMSFs for beginners.

    What are the key differences between SMSFs and public offer funds

    December 7, 2019 by Noel Whittaker Leave a Comment

    What are the key differences between SMSFs and public offer funds - Pixmac000001992294 compare apples 100x75

    Self-managed super funds (SMSFs) are still growing both in number and in assets. According to the latest figures from the Tax Office, the total assets held by SMSFs now exceeds $750 billion shared by 1,118,650 members. Yet, despite the popularity, the average trustee of an SMSF has only a vague understanding of the ... Read more

    What is a self-managed super fund (SMSF)?

    December 5, 2019 by Barbara Drury Leave a Comment

    What is a self-managed super fund (SMSF)? - how smsfs work 163014144 c 100x75

    As the name implies, an SMSF (also known as DIY super) is a private super fund that you manage yourself. So it’s no surprise that control is the number one reason people give when asked why they chose to fly solo. SMSFs give their members control over how their retirement savings are invested. Other reasons for ... Read more

    SMSF statistics: 1.1 million members with $747bn in super

    June 14, 2019 by SuperGuide Leave a Comment

    SMSF statistics: 1.1 million members with $747bn in super - SMSFs 3578659 c 100x75

    Self-managed super funds (SMSFs) in Australia are privately run super funds that can currently have between one and four members (who must also be trustees of their fund). The government has proposed to allow SMSFs to have up to six members from 1 July 2019, but this is not yet legislated. According to the ATO, the ... Read more

    Guide to SMSF audits

    June 14, 2019 by SuperGuide Leave a Comment

    Guide to SMSF audits - 1427691715 438aa58bf9 b 100x75

    Self-managed super fund (SMSF) audits are mandatory in Australia and must be conducted by an auditor who is registered with the Australian Securities and Investments Commission (ASIC). This auditor must be independent (i.e. not have any financial interest in the SMSF, nor have any personal or business relationships ... Read more

    Quiz: SMSFs for beginners

    May 10, 2019 by SuperGuide Leave a Comment

    Quiz: SMSFs for beginners - Pixmac000082812507 questions what 100x75

    Take the following 10 question quiz to test your knowledge on the fundamentals of self-managed super funds (SMSFs). Don't worry if you don’t know the answer to a question. Have a go anyway and we’ll let you know the correct answer, as well as providing you with a link to a relevant article. Note: When you pick an ... Read more

    Fund Performance: SMSFs vs APRA super funds

    May 7, 2019 by Ben Hall Leave a Comment

    Fund Performance: SMSFs vs APRA super funds - smsf apra pc 100x75

    The debate about who wins the battle between SMSFs and APRA-regulated super funds is one that has emerged in recent years with the rapid increase in new SMSFs which is growing at around 14% per year. So which of these two retirement income investment vehicles delivers the better investment returns, and why can one ... Read more

    Real DIY super: Ways that SMSFs can be ultra low-cost

    May 2, 2019 by Penny Pryor Leave a Comment

    Real DIY super: Ways that SMSFs can be ultra low-cost - run smsf 1768580 c 100x75

    Self-managed superannuation funds are often referred to as do it yourself funds or DIY Super. But how DIY can they really get? It it even possible to do everything yourself and if you were, how significant would the savings be? If you are seeking to start up and run an SMSF for the lowest cost possible you will have ... Read more

    Which asset classes are popular with SMSFs?

    April 4, 2019 by Ben Hall Leave a Comment

    Which asset classes are popular with SMSFs? - Pixmac000084322018 gold 100x75

    Of the many benefits of running your own SMSF, one of the major drawcards is the wider choice of investment strategies that can be established compared to a traditional super fund. Along with the safety of cash and term deposits, SMSFs can also directly invest in Australian and international shares, property trusts, ... Read more

    What type of people have SMSFs?

    April 4, 2019 by SuperGuide Leave a Comment

    What type of people have SMSFs? - 415772853 03ad26b7e0 o profile 100x75

    According to the latest Australian Taxation Office (ATO) statistics, more than 1.1 million Australians are members of self-managed super funds (SMSFs). The number has been steadily increasing for several years. SMSFs are privately run super funds that can currently have between one and four members. The government has ... Read more

    SMSF investment rules: What every trustee should know

    February 15, 2019 by Penny Pryor Leave a Comment

    SMSF investment rules: What every trustee should know - Rules 11275118 c 100x75

    An SMSF is a very attractive superannuation savings vehicle but it also comes with plenty of responsibility for anyone that signs up to being a trustee. While most of the time people choose an SMSF because of the freedom of investment choice it provides, it’s important to understand the rules around what you can, and ... Read more

    How super works: A beginners guide to superannuation

    February 13, 2019 by Barbara Drury Leave a Comment

    How super works: A beginners guide to superannuation - Guide for beginners 2434918 c 100x75

    Simply put, superannuation (or super) is money you put in a super fund while you are working to provide income later in life when you retire. Given the average Australian can expect around 20 years of retirement, and the Age Pension is designed to provide only the most basic needs, the more you can save now the more ... Read more

    How to create an SMSF investment strategy (including examples)

    February 10, 2019 by Penny Pryor Leave a Comment

    How to create an SMSF investment strategy (including examples) - Drafting 11320464 c 100x75

    Self-managed superannuation funds are required, under the Superannuation Industry (Supervision) Act 1993, “to formulate, review regularly and give effect to an investment strategy.” What is an SMSF investment strategy? That investment strategy needs to take into account the following things: The risk involved in ... Read more

    What to consider when looking for an SMSF provider

    February 5, 2019 by SuperGuide Leave a Comment

    What to consider when looking for an SMSF provider - Pixmac000084507656 work trip 100x75

    There are plenty of SMSF service providers available, ranging from those who offer  traditional face-to-face services through to purely online providers. The type of provider you should choose depends on factors such as: Your level of knowledge about SMSFs and investments. The extent to which you want (or ... Read more

    Is it possible to have two SMSFs at the same time?

    February 5, 2019 by SuperGuide Leave a Comment

    Is it possible to have two SMSFs at the same time? - Pixmac000081245147 run2funds 100x75

    Australian super legislation allows you to establish and run more than one SMSF, but it’s important to understand the potential for downsides as well as benefits. More people are considering setting up a second SMSF since the following key changes were introduced to super legislation from 1 July 2017: SMSFs no ... Read more

    How to evaluate whether an SMSF is right for you

    January 17, 2019 by Ben Hall Leave a Comment

    How to evaluate whether an SMSF is right for you - Pixmac000012103215 dictionary book 100x75

    It may seem like everybody is jumping on the Self Managed Super Fund (SMSF) bandwagon as a new investment vehicle, but the reality is that just under 5% of the Australian population has one. According to the Australian Tax Office, at September 2018 there were just under 600,000 SMSFs with a total of 1.125 million ... Read more

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    • How super works
      • How super works: A Super Guide
      • Latest super and retirement changes
        • Superannuation news
        • Super rates and thresholds
        • Super rules: Your guide for 2018/2019
        • Latest Age Pension changes
        • Federal Budget and superannuation
        • Royal Commission into Banking and Superannuation and Financial Services
        • Superannuation Reviews
      • Super for beginners
        • How super works: A beginners guide to superannuation
        • Age-based superannuation guide
        • Super tips and strategies
        • Superannuation investment for beginners
        • SMSFs for beginners
        • Finding lost super
        • Super Guide for women
      • Super rates and thresholds
      • Superannuation strategies
        • Super housekeeping strategies
        • Super contributions strategies
        • Super investment strategies
        • Age-based super strategies
        • Retirement strategies
      • Superannuation Guarantee rules
        • Superannuation Guarantee rules: An introduction
        • Simple guide to SG
        • SG for employers
        • Non-payment of SG
        • Salary sacrificing and SG
        • Tax-deductible super contributions
      • Comparing super funds
        • Types of super funds
        • What is MySuper?
        • Comparing super funds in 7 steps
        • Choosing a super fund (fund choice)
        • Completing a Standard Choice Form
        • Investment performance
        • Super fees and charges
        • Insurance and super
        • Considering an SMSF
      • How-to Super Guides
      • Super Quizzes
      • Superannuation Q&As
    • Making super contributions
      • Making super contributions: A Super Guide
      • Contributions strategies
      • 2018/2019 Contributions Guides
        • Concessional (before-tax) contributions
        • Non-concessional (after-tax) contributions
        • Co-contributions
      • Super contributions caps
        • Concessional (before-tax) contributions cap
        • Catch-up concessional contributions
        • Non-concessional (after-tax) contributions cap
        • Bring-forward rule
        • Total superannuation balance and super contributions
      • Superannuation Guarantee (SG)
        • Simple guide to SG
        • SG for employers
        • Non-payment of SG
        • Salary sacrificing and SG
        • Tax-deductible super contributions and SG
      • Salary sacrifice and super
      • Tax-deductible super contributions
      • Spouse contributions
      • Total superannuation balance
      • Contributions tax
      • Excess contributions
    • Super fund performance
      • Super fund performance: A Super Guide
      • Superannuation investment for beginners
        • How super investing works
        • Benchmarking your super fund
        • What is your risk profile?
        • Choosing an investment option
        • Changing investment options
        • Responsible investing
        • Retirement investment options
      • Superannuation investment strategies
        • Choosing an investment option
        • Responsible investing
        • SMSF investment
        • Types of super investments
        • Listed or unlisted investments
        • Franked dividends
        • Investing in retirement
        • Super and borrowing
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        • Latest financial year results
        • Latest calendar year results
        • Investment performance Reckoners
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      • Choosing an investment option
        • Should you change?
        • What is your risk profile?
        • Benchmarking your super fund
        • Buy/sell spread costs
        • Responsible investing
        • Changing investment options
        • Retirement investment options
        • SMSF guide to hedging
        • SMSF investment
      • SMSF investment
      • Super fees and charges
        • Types of super fees
        • Super funds with the lowest fees
        • Buy/sell spread costs
        • SMSF costs
        • Super taxes
        • Insurance premiums
        • Consolidating super saves fees
      • Insurance and super
        • Insurance through your super fund
        • Cheapest life insurance and TPD
        • Cheapest income protection
        • SMSFs and insurance
    • Super and tax
      • Super and tax: A Super Guide
      • Super and tax for beginners
      • Australian income tax rates and thresholds
        • Australian income tax rates
        • Low and Middle Income Tax Offset (LMITO)
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        • Senior Australians & Pensioners Tax Offset (SAPTO)
        • Super rates and thresholds
        • Super tax rates for under-60s
        • Super tax rates for over-60s
        • Franked dividends (franking credits)
      • Contributions tax
        • How super is taxed
        • Division 293 tax
        • Low Income Superannuation Tax Offset (LISTO)
        • Excess contributions tax
      • Investment income tax (earnings tax)
        • How super is taxed
        • Capital gains tax and super
        • Franked dividends (franking credits)
        • Superannuation contributions tax
      • Retirement phase
        • How super is taxed
        • Transfer balance cap
        • Minimum pension payment rules
        • Superannuation benefit payments tax
        • SMSF pensions
        • Transition-to-retirement pensions
      • Superannuation benefit payments tax
      • Superannuation death benefits
    • SMSFs
      • SMSFs: A Super Guide
      • SMSFs for beginners
        • What is an SMSF?
        • Types of super funds
        • Is an SMSF right for you?
        • Enough super for an SMSF?
        • What type of people have SMSFs?
        • Setting up an SMSF
        • SMSF trustee declaration
        • Quiz: SMSFs for beginners
      • SMSF costs
        • What are typical SMSF fees?
        • Enough super for SMSF costs?
        • DIY (low-cost) SMSFs
        • SMSF ATO supervisory levy
        • SMSF audit fees
        • SMSF investment
        • Obtaining financial advice
        • SMSF penalties
      • SMSF administration and compliance
        • SMSF administration
        • SMSF compliance
        • DIY (low-cost) SMSFs
        • SMSF providers
        • Setting up an SMSF
        • SMSF reporting and record-keeping
        • SMSFs and accountants
        • SMSF audits
        • SMSF administrative penalties
      • SMSF investment
        • Creating an SMSF investment strategy (including samples)
        • SMSF asset allocation
        • Super investment strategies
        • Types of super investments
        • Asset Sector Performance Reckoner
        • SMSF investment rules
        • Franked dividends
        • SMSF borrowing rules
      • SMSF pensions
        • Retirement phase (formerly pension phase)
        • Types of super benefits
        • Starting an SMSF pension
        • Minimum super pension payments
        • Transition-to-retirement pensions
        • $1.6 million transfer balance cap
        • Actuarial certificates
      • SMSF borrowing
      • SMSF Q & As
    • Planning for retirement
      • Planning for retirement: A Super Guide
      • Retirement planning for beginners
        • How to plan for your retirement
        • When should you retire?
        • How long will you live?
        • How much super will you need?
        • What is retirement phase?
        • Is $1 million enough?
        • Retirement Calculators and Reckoners
      • What age can I retire?
      • Age-based Super Guide
      • How long will I live?
      • How much super is enough?
        • How much super do I need to retire?
        • Retiring on $60,000 a year
        • Retiring on $80,000 a year
        • Retiring on $100,000 a year
        • $1 million retirement
        • $1.6 million retirement
        • Retirement Calculators and Reckoners
      • $1.6 million transfer balance cap
      • Types of super benefits
        • Taking a lump sum
        • Taking a super pension
        • SMSF pensions
        • Superannuation benefit payments tax
      • Age Pension
      • Obtaining financial advice
      • Retirement Calculators and Reckoners
        • Age Pension calculator
        • Annual Minimum Pension Payment Calculator
        • Income from super Reckoner
        • Super to Income Reckoner
        • Retirement age calculator
        • Super fees and returns calculator
    • Accessing super
      • Accessing super: A Super Guide
      • When can I access my super?
      • Definition of retirement
      • Reaching preservation age
      • Turning 65 and super
      • Types of super benefits
        • Taking a super lump sum
        • Taking a super pension
        • SMSF pensions
        • Superannuation benefit payments tax
      • Accessing super early
        • All conditions of release explained
        • Preservation age
        • Severe financial hardship
        • Compassionate grounds
        • Terminal illness
        • Permanent incapacity
        • Claiming insurance from super
        • Death
      • Divorce and super
      • Insurance and super
      • Temporary resident departing Australia
    • In retirement
      • In retirement: A Super Guide
      • Retirement Calculators and Reckoners
        • Income from super Reckoner
        • Super to income Reckoner
        • Retirement age Reckoner
        • Age Pension calculator
        • Annual Minimum Pension Payment Calculator
      • Retirement phase (formerly called Pension phase)
        • How super is taxed
        • Types of super benefits
        • Transfer balance cap
        • Minimum pension payments rules
        • Franked dividends
        • Superannuation benefit payments tax
        • SMSF pensions
        • Transition-to-retirement pensions
      • Obtaining financial advice
      • Taking a super lump sum
      • Taking a super pension
        • Retirement phase
        • Types of super pensions
        • SMSF pensions
        • Transfer balance cap
        • Minimum super pension payments
        • Transition-to-retirement pensions
        • Defined benefit funds
        • Annuities
      • Age Pension rules
        • Latest Age Pension rates
        • Am I eligible for the Age Pension?
        • Age Pension age
        • How is the Age Pension assessed?
        • How do I apply for the Age Pension?
        • Age Pension assets test
        • Age Pension income test
        • Age Pension deeming rules
      • Commonwealth Seniors Health Card
      • Working in retirement
        • Turning 65 and super
        • Over-65s work test
        • Transition-to-retirement pensions
        • Age-based Super Guide
        • Age pension age
      • Life expectancy and super
      • Aged care
      • Estate planning
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