How are other SMSFs investing?

It’s your super, your way – but when you are considering your SMSF strategy, it can be interesting to look at what other SMSFs are doing.

How SMSFs invested in 2017

Here’s a snapshot of how SMSFs invested their super as at December 2017, compared to how all other super funds were invested.1

How do they compare?

  • SMSFs had more concentrated, higher risk portfolios invested in Australian shares, cash and property
  • All other super funds were more diversified with investments in international markets, fixed interest and more.

View data as a table

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. See what type of funds are included in ‘All other super funds'.
3. Data on infrastructure investments is not available for SMSFs.

Some important things to consider

The above data 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 to consider for each member:

  • What age are you?
  • How close are you to retirement or are you in retirement?
  • What are your retirement goals?
  • How much super will you need?
  • What is your risk appetite?
  • How do you feel about potential risks versus possible return?
  • How are markets performing?
  • How much does your SMSF need to keep in cash to pay pensions or running costs?

SMSF diversification - Why is it so important?

Why is diversification so important to self managed superannuation fund investing? What steps can be taken to build a diverse SMSF investment portfolio?

Frequently asked questions

What is included in ‘Other’ investments?

SMSFs invested 28% of their portfolio in ‘other’ investments as at December 20171. So it’s a popular category, but what does it include?

For SMSFs, it includes:
-        Listed and unlisted trusts
-        Managed investments
-        Collectables

For all other super funds, it includes:
-        Hedge funds

What type of funds are included in ‘All other super funds’?

This includes all APRA-regulated super funds.

Super funds regulated by the Australian Prudential Regulation Authority (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).

Can I view the data as a table?

Here’s a snapshot of 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%

Other

28%

4%

TOTAL4

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. See what type of funds are included in ‘All other super funds'.
3. Data on infrastructure investments is not available for SMSFs.
4. May not equal 100% due to rounding.

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What you need to know

The information on this website has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at July 2018. The information provided is general in nature and does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it.

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates Panorama Investments. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account (BT CMA). Together, these products are referred to as the Panorama products.

A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 554 267 or by visiting www.bt.com.au/smsf. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. In addition, BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available on www.bt.com.au/smsf or by calling 1300 554 267.
BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT CMA acquired through the Panorama products, an investment in, or acquired using, the Panorama products is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, the Panorama products.