www.esuperfund.com.au

Investments Allowed


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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 Broker: Commsec

Clients of ESUPERFUND are permitted to invest in Australian Shares. The Preferred Broker to invest in Australian Shares is CommSec. Documentation to establish your Preferred Broker (CommSec) 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 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. 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 Liberty

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, 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 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
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
11
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
12
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
13
Metals
 
Preferred Provider: No Preferred Provider

Clients of ESUPERFUND are permitted to invest in Metals. You are permitted to establish Accounts to trade Metals for your SMSF with any Provider.

More information about investing Metals can be found here.

Other Providers Allowed: Yes
14
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
15
Options
 
Preferred Broker: CommSec

Clients of ESUPERFUND are permitted to invest in Options. The Preferred Broker to trade Options is CommSec and you can apply to establish a CommSec Options Trading Account by visiting the CommSec website here. You are permitted to establish Broker Accounts to trade Options for your SMSF with Brokers other than our Preferred Broker.

More information about investing in Options can be found here.

Other Brokers Allowed: Yes
16
Warrants
 
Preferred Broker: CommSec

Clients of ESUPERFUND are permitted to invest in Warrants. The Preferred Broker to trade Warrants is CommSec and you can apply to establish a CommSec Warrants Trading Account by visiting the CommSec website here, once your SMSF is established. By using our Preferred Broker, 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 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 Warrants can be found here.

Other Brokers Allowed: Yes
17
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
18
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
19
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
20
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, unless otherwise approved by ESUPERFUND.

Other Providers Allowed: Not Applicable

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, unless approved by ESUPERFUND. Unfortunately if you are a client of ESUPERFUND and subsequently invest in any asset that is not listed as an Allowable Investment (unless approved by ESUPERFUND) 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.

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