What asset classes can you invest in with a self managed super fund

What is a SMSF? A Self-Managed Super Fund (SMSF) is an Australian superannuation fund that you can manage yourself. As the fund manager, you take control of investing your retirement savings in assets such as property, shares, cash and now cryptocurrency for maximum returns. Through your SMSF, you can also make non-super related investments including buying art, classic cars and more. Built for flexibility, control and diversification they are becoming very popular with over 600,000 funds across Australia as reported by the Australian Taxation Office.

A SMSF can be use for a wide range of investments to help you meet your financial objectives. Different asset classes will yield different returns and dependant on your strategy you will be making the choice of which assets to invest in. You will need to consider if you want a high, medium or low risk strategy and then determine which asset classes through a self-managed super fund (SMSF) are best to invest in to meet that strategy.

Self-managed super funds (SMSFs) are generally less expensive to operate than other superannuation fund types, and as such have potential to provide investors with better return on investment over time.

A self-managed super fund (SMSF) allows you to make the investment decisions and manage your super yourself. The full list of asset classes include:

  1. Australian and international shares;
  2. Residential or commercial property;
  3. Physical assets such as gold or silver;
  4. Cash and term deposits;
  5. Fixed interest investments;
  6. Collectables such as art and cars.
  7. Cryptocurrencies

A more recent addition to the self-managed super fund space is the inclusion of cryptocurrency as an investment class. This was added in 2014 by the ATO as a new asset class for superannuation funds. There are many different types of cryptocurrency options you can choose from including Bitcoin, Ethereum, Quant, Ripple and more. Each have their own different uses and purposes. Like any asset class it is best to do your research before choosing which option suits you best. For more information on how to set up a self-managed super fund for crypto investing contact us here.

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how much savings should i have at retirement?

It’s been suggested by retirement experts that you should set aside 80-90% of your annual pre-retirement income and 12 times that amount as a starting point for your retirement savings.

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