How does your SMSF compare?

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.

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.

How SMSFs invested in 2017

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.

  • Australian shares
  • Cash
  • Property
  • Fixed income
  • International shares
  • Unlisted shares
  • Infrastructure3
  • Other4

View data as a table

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%

See footnotes

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.

View this pie chart data as a table

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.

Important things to think about

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:

  • How old 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 appetite for risk?
  • 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?
 
Your investmentValue
Australian shares
Cash
Property
Fixed income
International shares
Unlisted shares
Infrastructure
Other1

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.

 

 

Why is SMSF diversification important?

Discover the benefits of building a diverse SMSF portfolio and broadening your investment horizons.

Building a diversified portfolio is easy with online access to Australian shares, ETFs, term deposits, managed funds and professionally managed portfolios.

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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 November 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. All examples and images are for illustrative purposes only. Your portfolio value and performance are likely to be different and will depend on the investment options you have selected and the time period over which you are invested in those options. Past performance is not a reliable indicator of future performance.

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 by contacting BTPS.

BTPS, BTFM 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 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 acquired through the Panorama products.