www.esuperfund.com.au

Investments Allowed


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Clients of ESUPERFUND are permitted to invest in any Investment for their SMSF that is permitted by law. There are no restrictions.  A comprehensive summary of Permitted Investments and issues to consider are detailed below. Importantly our current annual fee of per annum does not vary irrespective of the type or number of Investments made by your SMSF.


1
Bank Transaction Account
 
Preferred Account: Commonwealth Bank Accelerator Account

A SMSF must have a Bank Transaction Account to receive deposits and pay outgoings. The Preferred Bank Transaction Account for ESUPERFUND Clients is the Commonwealth Bank Accelerator Account ("CBA Transaction Account"). Documentation to establish a CBA Transaction Account is included with the documentation forwarded to you when you submit your online application to establish a SMSF. By using the CBA Transaction Account as the preferred Transaction Account for your SMSF, ESUPERFUND is able to electronically access the transactions made by your SMSF in order to attend to the SMSF Annual Compliance Requirements. No Bank records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your CBA Transaction Account and cannot actually login to your Bank Account to access the required data. You are permitted to establish as many additional Bank and Savings Accounts for your SMSF as desired in addition to the CBA Transaction Account as detailed at Investment 2 below.

More information about the CBA Transaction Account can be found here.

Other Accounts Allowed: See Investment 2 below
2
Other Bank & Savings Account
 
Preferred Banks: ING Savings Account

Clients of ESUPERFUND are permitted to invest in any Bank and Savings Account in addition to the CBA Transaction Account. To simplify the Online Savings Account Application Process ESUPERFUND has established direct arrangements with ING Direct allowing clients to easily apply for an Online Savings Account through our website. By using the ING Online Savings Account ESUPERFUND is able to electronically access the transactions made by your SMSF in order to attend to the SMSF Annual Compliance Requirements. No bank records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your ING Account and cannot actually login to your Bank Account to access the required data. It is not compulsory to use the ING Savings Account and you are permitted to invest in as many additional Bank and Savings Accounts for your SMSF as desired in addition to the CBA Transaction Account. However if you establish additional Bank and Savings Accounts for your SMSF with Non Preferred Providers, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in Other Bank and Savings Accounts can be found here.

Other Banks Allowed: Yes
3
Term Deposits
 
Preferred Banks: ING AMP Macquarie

Clients of ESUPERFUND are permitted to invest in Term Deposits.  To simplify the Term Deposit Process ESUPERFUND has established direct arrangements with ING, AMP and Macquarie who are our preferred Term Deposit Providers allowing clients to easily apply for Term Deposits through our website. By using our preferred Term Deposit Providers ESUPERFUND is able to electronically access the transactions made by your SMSF in order to attend to the SMSF Annual Compliance Requirements. No bank records are required from you each year as we already have the data.  It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your Term Deposit Account and cannot actually login to access the required data. It is not compulsory to use our preferred Term Deposit Providers and you are permitted to invest in Term Deposits for your SMSF directly with any other Bank desired. However if you establish Term Deposits for your SMSF with Non Preferred Providers, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in Term Deposits can be found here.

Other Banks Allowed: Yes
4
Australian Shares and ETFs (CHESS Sponsored)
 
Preferred Brokers: Commsec EBROKING

Clients of ESUPERFUND are permitted to invest in Australian Shares. The Preferred Brokers to invest in Australian Shares are CommSec and EBROKING. Documentation to establish your Preferred Broker (CommSec or EBROKING) to invest in Australian Shares, is included with the documentation forwarded to you when you submit your online application to establish an SMSF. By using our Preferred Brokers to invest in Australian Shares, ESUPERFUND is able to electronically access the Broker Data for your SMSF in order to attend to the SMSF Annual Compliance Requirements. No Broker Data records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your Broker Account and cannot actually login to your Broker Account to access the required data. You are permitted to establish additional Broker Accounts for your SMSF in addition to the Preferred Broker selected to invest in Australian Shares (CommSec or EBROKING). However if you establish additional Brokers for your SMSF with Non Preferred Brokers to invest in Australian Shares, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in Australian Shares can be found here.

Other Brokers Allowed: Yes
5
International Shares
 
Preferred Brokers: No Preferred Broker

Clients of ESUPERFUND are permitted to invest in International Shares. ESUPERFUND does not have any Preferred Brokers to invest in International Shares. You are permitted to establish Broker Accounts to invest in International Shares for your SMSF with any Broker desired. If you establish Broker Accounts for your SMSF to trade International Shares, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in International Shares can be found here.

Other Brokers Allowed: Yes
6
Residential Australian Property (With Borrowing)
 
Preferred Lenders: Commonwealth Bank Bank of Melbourne St George Bank Macquarie Bank Resimac

Clients of ESUPERFUND are permitted to invest in Residential Property with Borrowings. The Preferred Lenders used by ESUPERFUND to borrow to purchase Residential Property for your SMSF are Commonwealth Bank, Bank of Melbourne/St George Bank, Macquarie Bank and Resimac. The Loan Application Process for a SMSF is not like a typical loan and it can be complicated. The Loan must be acquired under a Bare Trust / Security Custodian Structure and not getting this right can lead to compliance issues for your SMSF at audit time. By using our Preferred Lenders ESUPERFUND is able to ensure that the Bare Trust / Security Custodian Structure is setup correctly resulting in no hassles at tax and audit time. You are permitted to use Lenders to purchase Residential Property other than our Preferred Lenders however in this case ESUPERFUND will be unable to assist with the setup of the Bare Trust / Security Custodian Structure and you will be responsible for ensuring this structure is setup correctly.

More information about investing in Residential Property with Borrowings can be found here.

Other Lenders Allowed: Yes
7
Commercial Australian Property (With Borrowing)
 
Preferred Lenders: Referral Basis

Clients of ESUPERFUND are permitted to invest in Commercial Property with Borrowings. Whilst ESUPERFUND does not have Preferred Lenders for Commercial Property it does offer a commercial loan service on a referral basis only. When you have identified a Commercial Property that you would like to acquire with borrowings you can submit a request via the Client Portal to enable us to request our SMSF Commercial Lending Specialist to contact you directly regarding your requirements. You are permitted to use any Lender to purchase Commercial Property and are not required to use our Referral Lender Service.

More information about investing in Commercial Property with Borrowings can be found here.

Other Providers Allowed: Yes
8
Residential Australian Property (No Borrowing)
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to invest in Residential Property with No Borrowings.

More information about investing in Residential Property with No Borrowings can be found here.

Other Providers Allowed: Not Applicable
9
Commercial Australian Property (No Borrowing)
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to invest in Commercial Property with No Borrowings.

More information about investing in Commercial Property with No Borrowings can be found here.

Other Providers Allowed: Not Applicable
10
Overseas Property
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to invest in Overseas Property.  However it is important to understand that overseas countries in most instances will not recognise the SMSF as the purchaser of the property.  This means that the property is invariably purchased by clients in their personal names with SMSF monies.  This is tantamount to a super withdrawal and using the monies to acquire the asset in the Trustees personal name.  The ATO would not accept that the owner of the asset is the SMSF in this case and where the monies accessed were preserved, the SMSF would be severely penalised for illegal access of super benefits.  Accordingly it is vitally important to ensure that the SMSF is listed as the owner of any overseas Property Investment.  If you are unsure on how to do this this you must seek external advice from a licensed financial planner.  Unfortunately ESUPERFUND will be unable to assist with purchasing Overseas Property.

Other Providers Allowed: Not Applicable
11
Bonds
 
Preferred Provider: No Preferred Provider

Clients of ESUPERFUND can invest in Bonds with any Provider they choose.

More information about investing in Bonds can be found here.

Other Providers Allowed: Yes
12
Managed Funds (Unlisted)
 
Preferred Provider: No Preferred Provider

Clients of ESUPERFUND can invest in non listed Australian and International Managed Funds with any Fund Manager they choose.

More information about investing in Unlisted Managed Funds can be found here.

Other Providers Allowed: Yes
13
Managed Funds (ASX Listed via mFunds)
 
Preferred Provider: EBROKING

Managed Funds can now be traded online like shares using the new ASX mFund Service. If you wish to purchase Managed Funds using the new ASX mFunds service, this is possible through EBROKING. At this time CommSec does not offer the new ASX mFunds service and has not announced when this will occur.

More information about the ASX mFunds Service through EBROKING can be found here.

Other Providers Allowed: Yes
14
Metals
 
Preferred Provider: Bullion Capital

Clients of ESUPERFUND are permitted to invest in Metals. The Preferred Provider to invest in Metals is Bullion Capital and you can apply to add this Provider to your SMSF through our website, once your SMSF is established. By using our Preferred Metals Provider, ESUPERFUND is able to electronically access Data for your SMSF in order to attend to the SMSF Annual Compliance Requirements. No Broker Data records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your Broker Account and cannot actually login to your Broker Account to access the required data. You are permitted to establish Accounts to trade Metals for your SMSF with Providers other than our Preferred Providers. However if you establish Accounts for your SMSF with Non Preferred Providers to trade Metals, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing Metals can be found here.

Other Providers Allowed: Yes
15
CFDs
 
Preferred Broker: CMC Markets

Clients of ESUPERFUND are permitted to invest in CFDs. The Preferred Broker to trade CFDs is CMC Markets and you can apply to add this Broker to your SMSF through our website, once your SMSF is established. By using our Preferred Broker, ESUPERFUND is able to electronically access the CFD Broker Data for your SMSF in order to attend to the SMSF Annual Compliance Requirements. No Broker Data records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your Broker Account and cannot actually login to your Broker Account to access the required data. You are permitted to establish Broker Accounts to trade CFDs for your SMSF with Brokers other than our Preferred Broker. However if you establish Broker Accounts for your SMSF with Non Preferred Brokers, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in CFDs can be found here.

Other Brokers Allowed: Yes
16
Options
 
Preferred Broker: CommSec EBROKING

Clients of ESUPERFUND are permitted to invest in Options. The Preferred Brokers to trade Options are CommSec and EBROKING and you can apply to add these Brokers to your SMSF through our website, once your SMSF is established. By using our Preferred Brokers, ESUPERFUND is able to electronically access the Broker Data for your SMSF in order to attend to the SMSF Annual Compliance Requirements. No Broker Data records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your Broker Account and cannot actually login to your Broker Account to access the required data. You are permitted to establish Broker Accounts to trade Options for your SMSF with Brokers other than our Preferred Brokers. However if you establish Broker Accounts for your SMSF with Non Preferred Brokers, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in Options can be found here.

Other Brokers Allowed: Yes
17
Warrants
 
Preferred Broker: CommSec EBROKING

Clients of ESUPERFUND are permitted to invest in Warrants. The Preferred Brokers to trade Warrants are CommSec and EBROKING and you can apply to add these Brokers to your SMSF through our website, once your SMSF is established. By using our Preferred Brokers, ESUPERFUND is able to electronically access the Broker Data for your SMSF in order to attend to the SMSF Annual Compliance Requirements. No Broker Data records are required from you each year as we already have the data. It is important to understand that only electronic data files are provided to ESUPERFUND. We have absolutely no access to your Broker Account and cannot actually login to your Broker Account to access the required data. You are permitted to establish Broker Accounts to trade Options for your SMSF with Brokers other than our Preferred Brokers. However if you establish Broker Accounts for your SMSF with Non Preferred Brokers, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in Warrants can be found here.

Other Brokers Allowed: Yes
18
Foreign Exchange ("Forex")
 
Preferred Broker: No Preferred Broker

Clients of ESUPERFUND are permitted to invest in Forex. ESUPERFUND does not have any Preferred Brokers to invest in Forex. You are permitted to establish Broker Accounts to invest in Forex for your SMSF with any Broker desired. If you establish Broker Accounts for your SMSF to trade Forex, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.

More information about investing in Forex can be found here.

Other Brokers Allowed: Yes
19
IPOs
 
Preferred Provider: No Preferred Provider

Clients of ESUPERFUND can invest in Initial Public Offerings (IPOs) for Companies that are to be Publicly Listed on the Australian Stock Exchange (ASX) with any Provider desired.

More information about investing in IPOs can be found here.

Other Providers Allowed: Yes
20
Private Companies and Trusts
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to invest in Private Companies and Trusts to the extent permitted by Law. It is important to understand that it is illegal for SMSFs to invest in "related" companies or trusts. Related companies and trusts are entities that you control either directly or indirectly. If you decide to invest in related companies and trusts you are responsible to ensure that these investments do not breach super laws. In addition appropriate documentation must be maintained evidencing the investment.

More information about investing in Private Companies and Trusts can be found here.

Other Providers Allowed: Not Applicable
21
Loans to Non Related Parties
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to Loan monies from their SMSF to Non Related Parties to the extent permitted by Law. It is important to understand that it is illegal for SMSFs to lend monies to "related" parties. Related Parties are essentially entities related to you or people related to you by blood or marriage. If you decide to lend monies from your SMSF you are responsible to ensure that these investments do not breach super laws. In addition appropriate loan documentation must be maintained evidencing the investment and the loan must be on commercial terms.

More information about Lending monies from your SMSF can be found here.

Other Providers Allowed: Not Applicable
22
WRAP Accounts
 
Preferred Provider: No Preferred Provider

Clients of ESUPERFUND are permitted to invest in WRAP Accounts.

Other Providers Allowed: Yes
23
Collectables
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to invest in Collectibles to the extent permitted by Law. It is important to understand that onerous rules apply to investing in Collectables. Collectable Investments include Artwork, Coins, Stamps and Antiques.  If you decide to invest in Collectables you are responsible to ensure that these investments do not breach super laws. In addition appropriate documentation must be maintained evidencing the investment and that it conforms to Super Laws.

More information about investing in Collectables can be found here.

Other Providers Allowed: Not Applicable
24
Other Assets
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are permitted to invest in any other Asset not previously listed above to the extent permitted by Law.

More information about investing in Other Assets can be found here.

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