SMSF made simple
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SMSF key benefits
What are the advantages
of setting up an SMSF?
Full investment control
Choose what your SMSF invests in, when to invest, and when to change strategy.
Pool your super
Up to six members can combine their super in one SMSF, helping reduce costs per person and increase investment scale.
Borrow to invest
SMSFs can borrow to invest in property, shares or funds through a Limited Recourse Borrowing Arrangement. If the loan defaults, the lender’s claim is generally limited to the asset purchased.
Tax benefits
SMSFs receive the same concessional super tax treatment, including 15% tax on investment income, 10% on capital gains (for assets held > 12 months) and potential tax-free earnings on assets supporting pension payments.
Asset protection
SMSFs may offer protection from creditors in certain situations, depending on the structure and circumstances.
Estate planning
SMSFs can provide greater flexibility when passing wealth to beneficiaries, with potential tax advantages for dependants and non-dependants.
FAQs
What is an SMSF?
Can I invest in the PMA through my SMSF?
Can I transfer my existing SMSF?
Do I need a large balance?
Do I have to pay tax on my super when I transfer?
How much time is involved in running my SMSF?
What about my insurance policy?
What are the fees?
Our admin fees are low and transparent. Additional fees may apply for certain additional services. Please see full list here. we do not collect commissions from any of the brokers or banks that you might choose to use.
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IMPORTANT: This information is general financial product advice only and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. You should consider the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG), Target Market Determination (TMD) or seek professional advice before making any investment decision. The PDS for financial products offered through InvestSMART can be downloaded from this website or obtained by contacting 1300 880 160.
** The New Portfolio Offer (Offer) is provided to you by InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435 (InvestSMART) and is only available to investors who open and fund a new account in the Professionally Managed Accounts ARSN 620 030 382 from 1 July 2025 to 31 July 2025 and who do not have a Fundlater loan (Eligible PMA). Offer is not available in conjunction with any other offer (eg. Not available in conjunction with refer a friend bonus). Offer may only be claimed once per investor during the Offer period. InvestSMART will deposit AU$100 into your Eligible PMA within 14 days of receiving your investment funds into your Eligible PMA. Minimum investment amounts and eligibility criteria apply depending on your chosen investment portfolio. InvestSMART reserves the right to modify, suspend or terminate the Offer without notice. See FAQs for more information at https://www.investsmart.com.au/invest-with-us.
* InvestSMART’s capped management fees (capped at $880 p.a.) do not include indirect management fees charged by Exchange Traded Funds, brokerage or administration fees. Administration fees are applicable at 0.11% per annum and include all buy-side brokerage. Sell-side brokerage is applicable at the greater of $4.40 or 0.044% per trade. For more information about fees and costs, please see the Product Disclosure Statement and Investment Menu.
# Performance figures are after management and admin fees excl. brokerage and assuming dividends re-invested and no withdrawals. Performance figures for periods greater than one year are annualised and presented as "per annum" values. The peer comparison figures have been sourced from Morningstar data and is therefore limited to the funds and investment products included in their database. This may not include all funds available for retail investment in Australia. The peer calculation is inclusive of admin and management fees; excludes brokerage and no withdrawals have been made. InvestSMART cannot determine whether or not franking has been included, nor if dividends have been reinvested. Historical performance is not a reliable indicator of future performance.
^ Only funds and investment products included in the Morningstar Australia database are available for fee and performance comparison. This may not include all funds available for retail investment in Australia. Only funds with > three year returns were included in any fee comparison, and were compared to Morningstar’s nominated benchmark. Fees are calculated by Morningstar as the average over 10 years. Whilst every care has been taken in producing these numbers, InvestSMART does not guarantee the accuracy of the figures produced in the table. Fee data may not include all costs being charged such as platform and adviser fees. For the effect of fees on your cumulative returns, please see our report How Fees Can Destroy Your Wealth.
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