As super rules and markets change, it can be helpful to step back and look at your own strategy and what other super funds are doing. To help you get started, we’ve put together some information and tools to allow you to see where you’re invested and compare your SMSF.
From looking at how SMSFs invested in 2017 and why diversification is important, to creating your own pie chart and exploring BT SMSF – find out more about what you could consider for your SMSF strategy.
Take a look at how SMSFs invested their super as at December 2017, compared to how all other super funds were invested.1
All SMSFs - generally had more concentrated portfolios with investments primarily in Australian shares, cash and property.
All other super funds2 - were diversified with investments in international markets, fixed interest and other asset classes.
Investment class | All SMSFs | All other super funds |
---|---|---|
Australian shares | 30% | 23% |
Cash | 23% | 11% |
Property | 15% | 8% |
Fixed income | 1% | 21% |
International shares | 1% | 24% |
Unlisted shares | 1% | 4% |
Infrastructure | 0% | 5% |
Other | 28% | 4% |
1. Asset allocation data sourced from Moneysmart.gov.au. 'Table 1: How APRA-regulated super funds and SMSFs are invested, as at 31 December 2017'.
2. This includes all Australian Prudential Regulation Authority (APRA) regulated super funds. Super funds regulated by APRA are typically large funds with thousands of members – such as a large industry, retail or corporate fund. The figures quoted for all other super funds do not include SMSFs, which are regulated by the Australian Taxation Office (ATO).
3. Data on infrastructure investments is not available for SMSFs.
4. For SMSFs, ‘other’ investments include: Listed and unlisted trusts, managed investments, and collectables. For all other super funds, it includes hedge funds.
See how SMSFs invested their super as at December 2017, compared to how all other super funds were invested.1
All SMSFs |
All other super funds2 |
|
Australian shares |
30% |
23% |
Cash |
23% |
11% |
Property |
15% |
8% |
Fixed income |
1% |
21% |
International shares |
1% |
24% |
Shares in unlisted companies |
1% |
4% |
Infrastructure3 |
0% |
5% |
Other4 |
28% |
4% |
TOTAL5 |
99% |
100% |
1. Asset allocation data sourced from Moneysmart.gov.au. ‘Table 1: How APRA-regulated super funds and SMSFs are invested, as at 31 December 2017’.
2. This includes all Australian Prudential Regulation Authority (APRA) regulated. Super funds regulated by APRA are typically large funds with thousands of members – such as a large industry, retail or corporate fund. The figures quoted for all other super funds do not include SMSFs, which are regulated by the Australian Taxation Office (ATO).
3. Data on infrastructure investments is not available for SMSFs.
4. For SMSFs, ‘other’ investments include: Listed and unlisted trusts, managed investments, and collectables. For all other super funds, it includes hedge funds.
5. May not equal 100% due to rounding.
The data above includes a mix of members who are still working and accumulating their super, or in retirement and drawing down a pension. So it’s important you decide your SMSF’s investment mix based on the needs of your members.
Here are some questions for each member to consider:
1. 'Other’ includes listed and unlisted trusts, managed investments, and collectables
This tool is for illustrative purposes only, it is not intended to be relied on for the purposes of making a decision in relation to a financial product. The information you enter is not saved or stored by BT.
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