Understanding self-managed super funds
SMSFs: Make your decision with confidence
Self-managed super funds (SMSFs) can offer flexibility and control – but they also come with significant responsibility. While SMSFs can be appropriate for some people, it’s important to be aware of the full picture, and to understand not just the potential benefits, but the obligations, risks and real costs involved in running your own fund.
We've brought together key information to help you make a well-informed decision. Whether you’re just starting to explore SMSFs or already weighing up your options, these articles are designed to give you a clear, balanced view.
Before you take the next step, explore the insights below:
Thinking about an SMSF?
Choosing an SMSF can offer greater control over your retirement savings. But before you decide, it’s important to pause and reflect on the responsibilities, costs, and regulatory requirements that come with this choice.
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Myth-busting property in SMSFs
While property can form part of a super investment strategy, the rules around buying property through an SMSF are stricter than many people expect.
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What you may be giving up with an SMSF
Moving from a large fund to an SMSF may mean there are things you need to give up in return for control.
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The true cost of an SMSF
Cost can be one of the biggest differentiators between having a self-managed super fund (SMSF) and a retail or industry super fund, so it’s important to do a thorough comparison before making a decision.
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With control comes responsibility
Running an SMSF can give greater control over investment decisions, however it’s important to understand that with greater control also comes greater responsibility.
Get the right advice
Before deciding whether an SMSF is right for you, make sure you’re across all the costs, obligations and responsibilities of becoming a SMSF trustee.
You may want to speak to a licensed financial adviser who specialises in SMSFs. If you don’t have a financial adviser, Mercer Super can help1. Complete the callback request form, and we’ll work with you to understand your current situation before connecting you to a financial adviser.
1The trustee has appointed Mercer Financial Advice (Australia) Pty Ltd (MFAAPL) ABN 76 153 168 293, Australian Financial Services Licence 411766 to provide financial advice services for members of the Mercer Super Trust.
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