www.esuperfund.com.au

Investments Allowed


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
 
Setup Account: Commonwealth Bank Accelerator Account

A SMSF must have a Bank Transaction Account to receive deposits and pay outgoings. The Transaction Account used by ESUPERFUND when you apply to setup a SMSF 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 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.

ESUPERFUND clients are permitted to establish as many additional Bank and Savings Accounts for their SMSF as desired in addition to the CBA transaction account as detailed below.

More information about the CBA transaction account can be found here.

2
Australian Shares and ETFs (CHESS Sponsored)
 
Setup Broker: Commsec

Clients of ESUPERFUND are permitted to invest in Australian Shares. The Broker Account used by ESUPERFUND when you apply to setup a SMSF is CommSec. Documentation to establish a CommSec Broker Account 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 CommSec as the Broker 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.

ESUPERFUND Clients are not permitted to invest in Australian Shares with Brokers other than CommSec.

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

Other Brokers Allowed: No
3
Other Bank & Savings Account
 
Preferred Banks: ING Online 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 a direct arrangement with ING Bank allowing clients to easily apply for an ING Business Optimiser Account ("ING 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 Online Savings Account and cannot actually login to your Bank Account to access the required data.

It is not compulsory to use the ING Online 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 Banks, 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
4
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
5
International Shares
 
Permitted Broker: Saxo Capital Markets
Permitted Markets: US Market

Clients of ESUPERFUND are permitted to invest in US International Shares. The Permitted Broker to invest in US International Shares is Saxo Capital Markets. By using our permitted Broker ESUPERFUND is able to electronically access trades and holdings, in order to attend to the SMSF Annual Compliance Requirements. No broker data is 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 access the required data.

ESUPERFUND Clients are not permitted to invest in International Shares with Brokers other than our Permitted Broker. In addition clients are only permitted to invest in the US Market with our Permitted Broker and cannot trade in other International Markets.

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

Other Brokers Allowed: No
6
Residential Australian Property (With Borrowing)
 
Permitted Lenders: Bank of Melbourne St George Bank Macquarie Bank Resimac Liberty

Clients of ESUPERFUND are permitted to invest in Residential Property with Borrowings. The Permitted Lenders used by ESUPERFUND to borrow to purchase Residential Property for your SMSF are Bank of Melbourne/St George Bank, Macquarie Bank, Resimac Platinum and Liberty. 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 Permitted 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.

ESUPERFUND Clients are not permitted to use Lenders to purchase Residential Property other than our Permitted Lenders.

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

Other Lenders Allowed: No
7
Commercial Australian Property (With Borrowing)
 
Permitted 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)
 
Permitted 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.

9
Commercial Australian Property (No Borrowing)
 
Permitted 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.

10
Listed Bonds
 
Permitted Provider: CommSec

Clients of ESUPERFUND are permitted to invest in Listed Bonds. The Permitted Broker to trade Listed Bonds for ESUPERFUND clients is CommSec (see here for more).

More information about investing in Listed Bonds can be found here.

Other Providers Allowed: No
11
Managed Funds
 
Permitted Provider: No Preferred Provider

Clients of ESUPERFUND are permitted to invest in non listed Australian and International Managed Funds with any Fund Manager that they choose. However, please note that clients of ESUPERFUND are not allowed to invest in WRAP Accounts or Separately Managed Accounts (SMAs) to purchase Managed Funds. The rationale for disallowing these Investments is that these Accounts will typically have their own Bank and Broker. This means that we will be unable to receive share trading data and transaction data to attend to the SMSF Annual Compliance work. We understand that the WRAP or SMA Platform provides annual data however in many cases it must be checked, reconciled and inputted and this additional manual work is outside the scope of our low cost model offering.

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

12
Metals
 
Permitted Provider: Bullion Capital

Clients of ESUPERFUND are permitted to invest in Metals. The Permitted Broker to invest in Metals is Bullion Capital. By using our permitted Broker ESUPERFUND is able to electronically access trades and holdings, in order to attend to the SMSF Annual Compliance Requirements. No broker data is 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 access the required data.

ESUPERFUND Clients are not permitted to invest in Metals with Brokers other than our Permitted Broker.

More information about investing Metals can be found here.

Other Providers Allowed: No
13
CFDs
 
Permitted Broker: CMC Markets

Clients of ESUPERFUND are permitted to invest in CFDs. The Permitted Broker to invest in CFDs is CMC Markets. By using our permitted Broker ESUPERFUND is able to electronically access trades and holdings, in order to attend to the SMSF Annual Compliance Requirements. No broker data is 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 access the required data.

ESUPERFUND Clients are not permitted to invest in CFDs with Brokers other than our Permitted Broker.

More information about investing in CFDs can be found here.

Other Brokers Allowed: No
14
Listed Options
 
Permitted Broker: CommSec

Clients of ESUPERFUND are permitted to invest in Listed Options. The Permitted Broker to invest in Listed Options is CommSec. By using our permitted Broker ESUPERFUND is able to electronically access trades and holdings, in order to attend to the SMSF Annual Compliance Requirements. No broker data is 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 access the required data.

ESUPERFUND Clients are not permitted to invest in Listed Options with Brokers other than our Permitted Broker.

More information about investing in Listed Options can be found here.

Other Brokers Allowed: No
15
Listed Warrants
 
Permitted Broker: CommSec

Clients of ESUPERFUND are permitted to invest in Listed Warrants. The Permitted Broker to invest in Listed Warrants is CommSec. By using our permitted Broker ESUPERFUND is able to electronically access trades and holdings, in order to attend to the SMSF Annual Compliance Requirements. No broker data is 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 access the required data.

ESUPERFUND Clients are not permitted to invest in Listed Warrants with Brokers other than our Permitted Broker.

More information about investing in Warrants can be found here.

Other Brokers Allowed: No
16
Foreign Exchange ("Forex")
 
Permitted Broker: CMC Markets

Clients of ESUPERFUND are permitted to invest in FX. The Permitted Broker to invest in FX is CMC Markets. By using our permitted Broker ESUPERFUND is able to electronically access trades and holdings, in order to attend to the SMSF Annual Compliance Requirements. No broker data is 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 access the required data.

ESUPERFUND Clients are not permitted to invest in CFDs with Brokers other than our Permitted Broker.

More information about investing in Forex can be found here.

Other Brokers Allowed: No
17
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.

18
Other Investments
 
Preferred Provider: Not Applicable

Clients of ESUPERFUND are not allowed to invest in any Investment that is not listed as an Allowable Investment.

What happens if your SMSF invests in a Disallowed Investment?

ESUPERFUND will not be able to act for clients who invest in any asset that is not listed as an Allowable Investment. Unfortunately if you are a client of ESUPERFUND and subsequently invest in any asset that is not listed as an Allowable Investment, then ESUPERFUND reserves the right to immediately cease acting for your Fund in which case you will need to find a new accountant to act for your Fund.