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What is an SMSF?

A quick, plain-English guide to Self-Managed Super Funds, and how one could work for you.

The Basics

Your super, run by you for you

A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself, giving you direct say over how your retirement savings are invested, within the rules set by the ATO.

Unlike a retail or industry fund, an SMSF puts you in the driver’s seat. You can invest in shares, term deposits, commercial property and more, and pool your super with up to five other members to share costs.

  • Up to 6 members per fund
  • Full control over your investment strategy
  • Concessional 15% tax rate on earnings
  • Flexibility to invest in assets like property
  • You carry the compliance responsibility as trustee
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Happy couple who have set up their own SMSF
AussieSMSF client appointment discussing their fund
How It Can Benefit You

Why people choose to self-manage

SMSFs suit people who want more say over their retirement outcome and are comfortable with the responsibility that comes with it. Done well, the benefits can include:

  • Greater control over where and how your super is invested
  • The ability to pool super with family members to reduce fees
  • Access to a wider range of investments, including direct property
  • Clear visibility over fees, performance and fund decisions

An SMSF isn’t the right fit for everyone, cost, time and responsibility all matter. That’s why we start every conversation with a free, no-obligation chat about your goals.

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Not sure if an SMSF is right for you?

Our Maroochydore team will walk you through your options, no pressure, no jargon.

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