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SMSF administration

SMSF trustees have a number of administrative obligations to ensure their fund’s compliance with superannuation legislation, including:

  • signing and submitting their trustee declaration to the ATO when the fund is set up to indicate they are aware of all their responsibilities,
  • ensuring the fund is set up with a trust deed,
  • appointing an independent auditor who is licensed by ASIC,
  • valuing fund assets at market value,
  • paying the ATO supervisory levy,
  • event-based reporting,
  • reporting any fund member or trustee changes, and
  • maintaining general and financial fund records.

The ATO can impose a range of penalties on SMSF trustees who fail to meet their administrative obligations, depending on the severity of the non-compliance. It may be worthwhile for some trustees to obtain professional advice to help ensure their administrative compliance.

Learn about the key aspects about SMSF administration in the following SuperGuide articles:

  • How to wind up an SMSF - Close SMSF 26876355 xl 2015 c 100x75

    How to wind up an SMSF

  • SMSF housekeeping: Trustee checklist for 2019/2020 - checklist1 100x75

    SMSF housekeeping: Trustee checklist for 2019/2020

  • Guide to SMSF audits - 1427691715 438aa58bf9 b 100x75

    Guide to SMSF audits

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

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

  • SMSFs: How to start a pension - Pixmac000082823027 withdraw 100x75

    SMSFs: How to start a pension

  • Estate planning, super and SMSFs: Getting your house in order - Pixmac000084597952 estate planning dastardly 100x75

    Estate planning, super and SMSFs: Getting your house in order

  • 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

  • Guide to SMSF administration, reporting and record-keeping - Filing 2354265 c 100x75

    Guide to SMSF administration, reporting and record-keeping

  • Guide to the ATO SMSF supervisory levy - Depositphotos 12157865 original 100x75

    Guide to the ATO SMSF supervisory levy

  • Guide to SMSF trust deeds - Update 19816485 c 100x75

    Guide to SMSF trust deeds

  • SMSFs: What advice can an accountant provide? - help 7495689 c 100x75

    SMSFs: What advice can an accountant provide?

  • Set out below are all SuperGuide articles that relate to SMSF administration.

    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

    How to wind up an SMSF

    December 4, 2019 by Penny Pryor 2 Comments

    How to wind up an SMSF - Close SMSF 26876355 xl 2015 c 100x75

    There are many reasons why you might choose to wind up your self-managed superannuation fund (SMSF) – you’ve retired and you’re not taking a pension, you don’t have the time to manage it efficiently anymore, or a trustee might have passed away – but, just like starting a SMSF, there is a proper process to go ... Read more

    What is the sole purpose test, and how does it work?

    December 1, 2019 by Barbara Drury Leave a Comment

    What is the sole purpose test, and how does it work? - Sole purpose test 6484155 xl 2015 c 100x75

    As superannuation goes under the microscope once again in the government’s Retirement Income Review, it’s worth pausing to reflect on the reason super exists. At the heart of all the super rules is the sole purpose test. All super funds must satisfy the sole purpose test to be eligible to receive the tax concessions ... Read more

    How much time does it really take to run an SMSF… and what are the real costs?

    November 20, 2019 by Alexandra Cain Leave a Comment

    How much time does it really take to run an SMSF… and what are the real costs? - Quick 21259659 c 100x75

    There’s a fight happening in the self-managed super fund (SMSF) sector as industry stalwarts question figures published by the Australian Securities and Investments Commission (ASIC) that suggest it costs $13,900 a year to run a DIY fund. The SMSF Association (SMSFA) asked SMSF administrators BGL and Class to crunch ... Read more

    Can you be your own accountant for your SMSF?

    November 19, 2019 by Penny Pryor Leave a Comment

    Can you be your own accountant for your SMSF? - senior accountant 100x75

    Many readers of SuperGuide like to manage as much of their self-managed superannuation fund (SMSF) themselves as possible. We’ve written before about how to find low-cost services but if you’ve got a head for numbers and accounting you might be able to go one step further. Just like you don’t need an accountant to ... Read more

    Guide to SMSFs and insurance

    November 8, 2019 by Barbara Drury Leave a Comment

    Guide to SMSFs and insurance - 4122171512 3f4dc612d0 b insurance 100x75

    If you’ve elected to run your own SMSF, chances are you’ve also taken a proactive and responsible approach to insurance. Regardless of whether you already have life insurance outside super or in a pre-existing super fund, when you start an SMSF you need to jump through a few hoops regarding your insurance ... Read more

    How to record SMSF minutes

    November 3, 2019 by Penny Pryor 2 Comments

    How to record SMSF minutes - Apply 12072765 c 100x75

    Part of the responsibilities of being a trustee for your self-managed superannuation fund include taking and keeping trustee minutes that keep a record of all major decisions made by the fund. So, what exactly needs to be minuted and what should it look like? Minutes and resolutions Like most minutes at any kind of ... Read more

    SMSF options: Should you remain invested or wind it up?

    October 1, 2019 by Alexandra Cain Leave a Comment

    SMSF options: Should you remain invested or wind it up? - foreclose 53782823 c 100x75

    Running a self-managed super fund (SMSF) isn’t for the faint-hearted. Sometimes, an SMSF may make sense at one point, only to find it’s not the best option down the track. For instance, the flexibility an SMSF offers in terms of the types of investments it can hold may be valuable if you once ran your own business and ... Read more

    What happens to an SMSF in the event of divorce?

    October 1, 2019 by Alexandra Cain Leave a Comment

    What happens to an SMSF in the event of divorce? - Superguide 2 2 100x75

    The breakdown of a marriage has wide-sweeping financial implications, including for the members of a DIY fund. We look at what needs to happen if assets are to be split. ... Read more

    The advantages of using MDAs in an SMSF

    September 1, 2019 by Alexandra Cain Leave a Comment

    MDAs

    Managed discretionary accounts (MDAs) have become an increasingly popular option for self-managed super fund (SMSF) investors. This is because, unlike managed funds, the SMSF members remain the beneficial owners of the underlying assets in the structure. They also offer considerable tax benefits. There are lots of ... Read more

    Find out about the new contribution rules that help bump up SMSF balances and reduce tax

    September 1, 2019 by Alexandra Cain Leave a Comment

    Find out about the new contribution rules that help bump up SMSF balances and reduce tax - Superguide 7 1 100x75

    New rules mean self-managed super fund (SMSF) members can make additional contributions to their SMSF, which can bump up their balance and at the same time offset their tax bill. There are two contribution strategies that could provide SMSF members with up to $50,000 in deductions against their income in a financial ... Read more

    How do the ipso facto rules apply to SMSFs?

    August 1, 2019 by Alexandra Cain Leave a Comment

    How do the ipso facto rules apply to SMSFs? - Superguide 3 100x75

    Australia’s ipso facto laws have changed. This has relevance for self-managed super fund (SMSF) trustees. In simple terms, the ipso facto provisions relate to what happens when one of the parties that are signatory to a contract goes into administration or similar. DBA Lawyer Joseph Cheung explains changes to the law ... Read more

    Single touch payroll (STP): What are the implications for SMSF trustees?

    August 1, 2019 by Alexandra Cain Leave a Comment

    Single touch payroll (STP): What are the implications for SMSF trustees? - Superguide 4 100x75

    Single touch payroll (STP) reporting is a streamlined way for employers to provide the Australian Taxation Office (ATO) with payroll information, that is, pay as you go (PAYG) withholding and superannuation guarantee information. The STP reporting regime was introduced as an integrity measure to hold employers ... Read more

    What to do if a member wants to leave an SMSF

    August 1, 2019 by Penny Pryor Leave a Comment

    What to do if a member wants to leave an SMSF - Superguide 7 100x75

    Self-managed superannuation funds (SMSFs) offer members lots of benefits, including a great degree of control over investments and some tax advantages. Many members love them, however some also realise after a number of years that maybe an SMSF isn’t the right superannuation solution for them. Getting closure There’s a ... Read more

    Legal case a lesson in proper SMSF admin and record keeping

    July 12, 2019 by Alexandra Cain Leave a Comment

    Legal case a lesson in proper SMSF admin and record keeping - SMSF admin 72585265 xl 2015 c 100x75

    A recent court case, known as the Narumon case, demonstrates how important it is for self-managed super fund (SMSF) trustees to ensure their documentation is up-to-date, and that binding death benefit nominations are valid. Power of attorney The case involved the SMSF of one Mr Giles, deceased, and a company of which ... Read more

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    • How super works
      • How super works: A Super Guide
      • Latest super and retirement changes
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        • Latest Age Pension changes
        • Federal Budget and superannuation
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        • SMSFs for beginners
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        • Types of super funds
        • What is MySuper?
        • Comparing super funds in 7 steps
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        • Completing a Standard Choice Form
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        • Super fees and charges
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        • Considering an SMSF
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      • Making super contributions: A Super Guide
      • Contributions strategies
      • 2018/2019 Contributions Guides
        • Concessional (before-tax) contributions
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        • 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
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    • Super fund performance
      • Super fund performance: A Super Guide
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        • SMSF investment
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      • Super fees and charges
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        • Buy/sell spread costs
        • SMSF costs
        • Super taxes
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      • SMSFs: A Super Guide
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        • What is an SMSF?
        • Types of super funds
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        • 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
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      • 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
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      • Definition of retirement
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      • 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
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        • How super is taxed
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        • 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
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        • 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
      • Superannuation death benefits
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