Risk & return
The risks of making, holding and realising investments, and their likely returns.
An SMSF Investment Strategy gives your fund a considered framework for making investment decisions—and for revisiting them as circumstances change.
Trustees consider the fund’s investments together, with its objectives, trust deed and expected cash flow in mind.
The risks of making, holding and realising investments, and their likely returns.
How the investments fit together and the risks of inadequate diversification.
Whether the fund can access money when it expects to need it.
The fund’s ability to pay member benefits and other current or future liabilities.
After setting the fund’s objectives, trustees consider which types of investments may help achieve them. Explore the asset classes named in ESUPERFUND’s current Standard Investment Strategy.
Consider cash flow alongside the role of interest-bearing investments.
Consider how these holdings contribute to the fund’s intended investment mix.
These asset classes are part of the current example strategy and warrant attention to risk.
Consider how a property holding affects liquidity, diversification and the fund’s obligations.
The current strategy also refers to other assets trustees consider appropriate, to the extent permitted by the fund’s trust deed and superannuation regulations.
These are grouped examples from the current Investment Strategy page, not an investment recommendation. Check the specific asset requirements before proceeding.
Trustees review the fund’s objectives and strategy annually, and at other times when a significant event affects the SMSF.
The Investment Strategy belongs to the SMSF. As trustee, you decide what is appropriate for the fund and remain responsible for its investment decisions.
Set the objectives, consider the required factors, choose and implement the strategy, and review it.
Provides an example Investment Strategy when you establish an SMSF with us. You can adopt or modify it as you consider appropriate.
ESUPERFUND does not decide the fund’s investments or provide financial product advice. Consider independent professional advice for your circumstances.
When you establish an SMSF with ESUPERFUND, we provide an example Standard Investment Strategy. It does not prescribe percentage investment ranges. Trustees may adopt it or modify it to suit the fund’s objectives and intended investments.
Explore SMSF setupThese points matter when your fund’s investment approach is more specific or concentrated.
The existing ESUPERFUND guidance distinguishes an Investment Strategy from a detailed financial plan that names particular assets and allocations. The strategy sets the fund’s overall approach; it does not need to list every intended purchase.
ESUPERFUND’s existing guidance says its Standard Investment Strategy does not specify a percentage or range for each asset class. Trustees still consider each investment on its merits and the fund’s diversification as a whole.
The existing guidance says this is not specifically prohibited, but a concentrated approach can increase risk. Trustees must have regard to diversification and carefully document why the approach is appropriate for their SMSF. Professional financial advice may be prudent.
The Step 2 carousel above groups the asset classes listed on the current page. Specific investment eligibility and ESUPERFUND service arrangements need to be checked for the asset you are considering. Explore investment options.
