www.esuperfund.com.au

Investments Allowed


A comprehensive summary of Investments Allowed 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. ESUPERFUND does not provide financial product or taxation advice and, as set out in the general advice warning below, it does not recommend or endorse any of the financial products or services available through ESUPERFUND. Nor are you required to use any particular financial product or service in order to use the ESUPERFUND service.


1
Bank Transaction Account
 

A SMSF must have a Bank Transaction Account to receive deposits and pay outgoings. Clients of ESUPERFUND are permitted to use any Transaction Bank Account for their SMSF. To simplify the Transaction Bank Account Application Process, documentation to establish a Commonwealth Bank Accelerator Account ("CBA Transaction Account") is included with the documentation forwarded to you when you submit your online application to establish an 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.

It is not compulsory to use the CBA Transaction Account once the account is established and you are permitted to use another Transaction Bank Account for your SMSF if preferred. However, if you establish another Transaction Bank Account, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition, ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to use another Transaction Account, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

For more information on the CBA transaction account, please click here.

2
Australian Shares and Other Australian Listed Securities
 

A SMSF is permitted to invest in Australian Shares and Other Australian Listed Securities (eg ETFs, Bonds, Options, Warrants, LICs, LITs, etc). Clients of ESUPERFUND are permitted to use any Broker to invest in Australian Shares and Other Australian Listed Securities for their SMSF. To simplify the Australian Share Trading Account Application Process documentation to establish a Commsec Share Trading Account (Commsec) 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.

It is not compulsory to use the Commsec Account once the account is established and you are permitted to use another Australian Share Trading Account for your SMSF if preferred. However, if you establish another Australian Share Trading Account, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition, ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to use another Australian Share Trading Account, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

For more information on investing in Australian Shares, please click here.

3
Other Bank & Savings Account
 

A SMSF is permitted to invest in Bank and Savings Account. Clients of ESUPERFUND are permitted to use any Bank and Savings Account for their SMSF. 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 any Bank and Savings Accounts for your SMSF as desired. However if you establish Bank and Savings Accounts for your SMSF other than with ING, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to use a Savings Account other than the ING Savings Account, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

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

4
Term Deposits
 

A SMSF is permitted to invest in Term Deposits. Clients of ESUPERFUND are permitted to use any Term Deposit Provider for their SMSF. To simplify the Term Deposit Process ESUPERFUND has established direct arrangements with ING, AMP and Macquarie allowing clients to easily apply for Term Deposits through our website. By using the above 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 the above Term Deposit Providers and you are permitted to invest in any Term Deposits for your SMSF directly as desired. However if you establish Term Deposits for your SMSF directly with other Providers, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to invest in Term Deposits other than with ING, AMP and Macquarie, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

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

5
International Shares
 

A SMSF is permitted to invest in International Shares. To simplify the International Shares Account Application Process ESUPERFUND has established direct arrangements with Saxo Capital Markets allowing clients to easily apply for an International Share Trading Account through our website.

By using the Saxo Capital Markets Account ESUPERFUND is able to electronically access the transactions made by your SMSF in order to attend to the SMSF Annual Compliance Requirements. No 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 Saxo Capital Markets Account and cannot actually login to your Broker Account to access the required data.

ESUPERFUND Clients are not permitted to invest in International Shares with Brokers other than Saxo Capital Markets. In addition clients are only permitted to invest in the US Market with Saxo Capital Markets and cannot trade in other International Markets. This is due the complexity involved in accessing the required data in the format required relation to trading activities, corporate actions, dividends and currency movements. We understand that whilst data may be provided, the data must be checked, reconciled and inputted. In many cases trades are settled in different currencies which need to manually converted to Australian dollars and reconciled. In addition in many cases research is required to determine the taxation implications of transactions in particular with regards to Corporate Actions and Dividends. This additional manual work is outside the scope of our low cost model offering.

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

6
Residential Australian Property (With Borrowing)
 

A SMSF is permitted to invest in Residential Property with Borrowings. To simplify the Residential Property Loan Application Process ESUPERFUND has established direct arrangements with Liberty allowing clients to easily apply for an SMSF Loan through our website. 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 Liberty, ESUPERFUND is able to ensure that the Bare Trust / Security Custodian Structure is setup correctly resulting in no audit issues at tax time.

ESUPERFUND clients are not permitted to use lenders to purchase Residential Property other than Liberty Financial. This is to ensure that data is available to ESUPERFUND and that the Bare Trust / Security Custodian Structure is setup correctly resulting in no audit issues at tax time.

It is also noted that most leading SMSF Lenders have ceased offering SMSF Loans and this is the reason our offering is limited at present to Liberty Financial. CBA, ANZ, NAB, Westpac and Macquarie Bank have all removed their SMSF Loan offering.

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

7
Commercial Australian Property (With Borrowing)
 

Clients of ESUPERFUND are permitted to invest in Commercial Property with Borrowings. Whilst ESUPERFUND does not have Partnered 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.

8
Residential Australian Property (No Borrowing)
 

A SMSF is 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)
 

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
Cryptocurrency (e.g. Bitcoin)
 

A SMSF is permitted to invest in any Cryptocurrency (including but not limited to Bitcoin). Clients of ESUPERFUND are permitted to use any Australian based Cryptocurrency Exchange to purchase Cryptocurrency for their SMSF.

More information about investing in Cryptocurrency can be found here.

11
Managed Funds
 

Clients of ESUPERFUND are permitted to invest in 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
CFDs
 

A SMSF is permitted to invest in CFDs. Clients of ESUPERFUND are permitted to use any CFD Provider for their SMSF. To simplify the CFD Application Process ESUPERFUND has established direct arrangements with CMC Markets allowing clients to easily apply for a CFD Account through our website. By using the CMC Markets 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 CMC Markets Account and cannot actually login to your Account to access the required data.

It is not compulsory to use the CMC Markets Account and you are permitted to invest in any CFD Provider for your SMSF as desired. However if you establish CFD Accounts for your SMSF other than with CMC Markets, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to invest in CFDs other than with CMC Markets, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

More information about investing in CFDs can be found here.

13
Physical Metals
 

A SMSF is permitted to invest in Physical Metals. Clients of ESUPERFUND are permitted to use any Physical Metals Provider for their SMSF. To simplify the Physical Metals Account Application Process ESUPERFUND has established direct arrangements with Bullion Capital allowing clients to easily apply for a Physical Metals Account through our website.

By using the Bullion Capital Account ESUPERFUND is able to electronically access the transactions made by your SMSF in order to attend to the SMSF Annual Compliance Requirements. No 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 Bullion Capital Account and cannot actually login to your Account to access the required data.

It is not compulsory to use the Bullion Capital Account and you are permitted to invest with any Physical Metals Provider as desired. However if you establish a Physical Metals Accounts for your SMSF other than with Bullion Capital, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to invest in Physical Metals other than with Bullion Capital, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time. 

More information about investing in Physical Metals can be found here.

14
ETFs
 

A SMSF is permitted to invest in ETFs. Clients of ESUPERFUND are permitted to use any Australian Broker to invest in ETFs for their SMSF. To simplify the Australian Broker Account Application Process documentation to establish a Commsec Trading Account (Commsec) is included with the documentation forwarded to you when you submit your online application to establish an SMSF (see above). By using CommSec as the Broker to invest in ETFs, 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.

It is not compulsory to setup and use the Commsec Account and you are permitted to use other Australian Trading Accounts for your SMSF to invest in ETFs. To this extent you are not required to return the documentation to establish the Commsec Account, included with the documentation forwarded to you when you submit your online application to establish an SMSF.  However if you establish an Australian Trading Account other than with Commsec to invest in ETFs, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. If you elect to establish your own Australian Trading Account to invest in ETFs for your SMSF then you will be responsible to arrange the Account Setup.  In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to use an Australian Trading Account to invest in ETFs other than Commsec, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

For more information about investing in ETFs, please click here.

15
Listed Bonds
 

A SMSF is permitted to invest in Listed Bonds. Clients of ESUPERFUND are permitted to use any Australian Broker to invest in Listed Bonds for their SMSF. To simplify the Australian Broker Account Application Process documentation to establish a Commsec Trading Account (Commsec) is included with the documentation forwarded to you when you submit your online application to establish an SMSF (see above). By using CommSec as the Broker to invest in Listed Bonds, 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.

It is not compulsory to setup and use the Commsec Account and you are permitted to use other Australian Trading Accounts for your SMSF to invest in Listed Bonds. To this extent you are not required to return the documentation to establish the Commsec Account, included with the documentation forwarded to you when you submit your online application to establish an SMSF.  However if you establish an Australian Trading Account other than with Commsec to invest in Listed Bonds, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. If you elect to establish your own Australian Trading Account to invest in Listed Bonds for your SMSF then you will be responsible to arrange the Account Setup.  In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to use an Australian Trading Account to invest in Listed Bonds other than Commsec, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time

For more information about investing in Listed Bonds, please click here.

16
Unlisted Bonds
 

A SMSF is permitted to invest in Unlisted Bonds. Clients of ESUPERFUND are permitted to use any Australian based Unlisted Bond Provider to purchase Unlisted Bonds for their SMSF.

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

17
Options
 

A SMSF is permitted to invest in Options. Clients of ESUPERFUND are permitted to use any Options Provider for their SMSF. To simplify the Options Account Application Process ESUPERFUND has established direct arrangements with Commsec allowing clients to easily apply for an Options Account through their CommSec Trading Account platform.

By using the Commsec Options Account ESUPERFUND is able to electronically access the transactions made by your SMSF in order to attend to the SMSF Annual Compliance Requirements. No 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 Commsec Account and cannot actually login to your Account to access the required data.

It is not compulsory to use the Commsec Options Account and you are permitted to invest with any Options Provider as desired. However if you establish an Options Account for your SMSF other than with Commsec, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually.  In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to invest in Options other than with Commsec, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

More information about investing in Options can be found here.

18
Foreign Exchange ("FX")
 

A SMSF is permitted to invest in Foreign Exchange (FX). Clients of ESUPERFUND are permitted to use any Foreign Exchange (FX) Provider for their SMSF. To simplify the Foreign Exchange (FX) Application Process ESUPERFUND has established direct arrangements with CMC Markets allowing clients to easily apply for a Foreign Exchange (FX) Account through our website. By using the CMC Markets 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 CMC Markets Account and cannot actually login to your Account to access the required data.

It is not compulsory to use the CMC Markets Account and you are permitted to invest in any Foreign Exchange (FX) Provider for your SMSF as desired. However if you establish Foreign Exchange (FX) Accounts for your SMSF other than with CMC Markets, data will not be accessible by ESUPERFUND and you will need to source and provide this data to ESUPERFUND annually. In addition ESUPERFUND provides a Client Login Portal to clients with real time data of all your SMSF Investments. Where you elect to invest in Foreign Exchange (FX) other than with CMC Markets, we will be unable to receive daily data on these accounts, and in turn will not be able to report details of these accounts in real time.

More information about investing in Foreign Exchange (FX) can be found here.

19
IPOs
 

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. No additional fees apply if you invest in IPOs.

More information about investing in IPOs can be found here.

20
Other Assets
 

Clients of ESUPERFUND are not allowed to invest in any Investment that is not listed as an Allowable Investment on this page.  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 SMSF in which case you will need to find a new accountant to act for your SMSF.

General Advice Warning
 

No Advice Express or Implied: The contents of this website are of a general nature only and have not been prepared to take into account any particular investor's objectives, financial situation or particular needs. ESUPERFUND does not provide financial product advice or recommend any financial products either expressly or implied. ESUPERFUND expressly states that it does not recommend, represent as suitable, or endorse any financial product or service available through ESUPERFUND. This applies equally to those financial products which are established for your SMSF when you become a client of ESUPERFUND. Any information provided in relation to any financial product or service available through ESUPERFUND is factual information only about the operation of the account and how data is made available to ESUPERFUND. Where this website refers to a particular financial product then you should obtain a Product Disclosure Statement (PDS) relating to that product and consider the PDS before making any decision about whether to acquire the product. We also recommend that you should seek professional advice (see below) from a financial adviser before making any decision to purchase any financial product referred to on this website. While the sources for the material are considered reliable, responsibility is not accepted for any inaccuracies, errors or omissions.

Seek Professional Advice from a Financial Adviser: ESUPERFUND is a no advice model and does not provide financial, legal or tax advice to clients. We recommend that you seek appropriate professional advice in view of your personal circumstances. A licensed financial adviser will consider your personal situation and make a recommendation suitable to your financial needs. All information detailed on our website is purely factual and is general in nature. Accordingly, you should not rely on it. It should always be remembered that Trustees are legally responsible for all the decisions made even if you obtain advice from a Financial Planner. Whilst a Financial Professional can provide advice and assistance you are ultimately responsible for the Fund.


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