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22 December 2024

Home / Self Managed Super

Self Managed Super

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The pros and cons of taking the DIY super route

A self managed super fund can offer investors more control and, in many cases, greater choice over their retirement investments. But are the extra costs and admin burdens worth it?

The latest trends in SMSFs

The average age of UniSuper members rolling out to an SMSF is 50, while the average age of members who roll money in from an SMSF is age 62. With an ageing population, there are more members rolling in from their own SMSF.

Reports of the demise of SMSFs are unfounded

SMSF trustees want control over their investments and think they can perform better than professional investors. Claims of an impending fall are not supported by the data, and older trustees are investing even more.

SMSF trustees who question their capacity and look for options

An aging couple who question their ability to run their own fund look for ways to manage the next step - but without children to assist what can they do? There are potential solutions using NSW Trustee and Guardian.

Why it’s better to be a small investor

Individual investors think professionals have ‘smart money’ advantages enjoyed on the inside. While some perks are worthwhile, others are a rort, and overall, it's easier to invest with the freedom of ‘small money’.

SMSFs and COVID: the biggest trends in 5 charts

COVID-19 pushed many SMSF trustees to change their asset allocation, but some of the adjustments are surprising. In the GFC, there was a surge of new SMSFs as investors lost confidence in fund managers to protect them.

What is happening with SMSFs? Part 2

The latest SMSF data shows retirees favour listed shares and cash to maintain liquidity. SMSFs continue to grow, and the new super rules led to changes in contributions, payments and lump sums.

What is happening with SMSFs? Part 1

Taking a realistic view of the median ‘operating expense’ of an SMSF shows they cost less to run than previously claimed. Look at this granular breakdown and see how the costs of running your SMSF compare.

Six advantages of an SMSF

In considering whether setting up an SMSF is the right decision for you, weigh up compliance obligations and cost with the main advantages SMSFs offer over other super funds. The 6 key positives are enumerated here.

Some trustees should self-manage out of SMSFs

Although over one million Australians are trustees of SMSFs, ASIC reports that many do not have the expertise or time to take responsibility to manage their own superannuation.

Does DIY super make sense?

Managing their own superannuation might be a good idea for some, but maybe not for others. Decisions on asset allocation, fees and structure all take time and skill, or should it be left to professionals?

SMSF asset allocation changes unexpected

A recent analysis of SMSF asset allocation shows a movement away from direct equities as trustees struggle to find value in the large caps, and the continuing popularity of cash despite low rates.

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