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New to SMSFs?

SMSFs can offer a number of benefits, but they aren’t for everyone. Learn about what an SMSF is, who it might be right for and what’s involved in setting one up.

Manage your SMSF in NetBank

If you are a CommBank customer, your NetBank ID will give you free access to the NetBank Portfolio view where you can view your SMSF investments and personal accounts in one place.

SMSF Portfolio

Invest
Easily access a range of SMSF investment options including Shares, Term Deposits and Property Lending without having to log in to separate accounts.

Manage
Keep track of how your investments are performing and get a CommSec portfolio healthcheck

Explore
Make informed investment choices with the latest insights at your fingertips

News and education for SMSF investors

Keep up-to-date with market news, explore new companies and learn about different investment strategies.

SMSF Solutions

See all

Explore your investment and borrowing options, protect your members and access expert advice with CommBank’s range of SMSF solutions.

SMSF cash account (CDIA)

Manage your SMSF’s cashflow, simplify your record keeping and make investing your money easier with a central cash hub.

Learn more

Australian shares

Access research tools to help you choose investments and trade shares in locally listed companies with CommSec.

Visit CommSec

International shares

Global investing via CommSec International, providing access to 25 markets and thousands of companies.

Visit CommSec

Exchange Traded Funds (ETFs)

Access different asset classes and markets with a single trade using ETFs.

Visit CommSec

Managed funds

Professionally managed funds providing access to a range of investment opportunities, available direct to SMSFs.

Visit Colonial First State

Term deposits

Access the power of compound interest with different time frames available depending on your investment goals.

Learn more

Property lending (SuperGear)

Borrowing to purchase an investment property with a product designed specifically for SMSFs.

Learn more

Comminsure SMSF Insurance

The CommInsure SMSF Plan provides comprehensive cover designed to suit the unique needs of SMSFs.

Learn more

Explore the range of services on offer to support your SMSF.

SMSF set up and administration

Comprehensive SMSF set up and administration, including trust deed, documents, tax, accounting and audit services.

Learn more

Financial planning

Get the advice and support you need to navigate rules, optimise your SMSF’s performance and plan for the future.

Learn more

Share portfolio advice

Expert advice from CommSec Advisory to help you build or review your SMSF share portfolio investment strategy.

Visit CommSec

News and education

Keep up-to-date with market news, explore new companies and gain an understanding of different investment strategies.

Learn more

Self-managed super fund trustees must also be SuperStream compliant. See our Superstream FAQ.

Diversification

Diversification is a common strategy for reducing risk in a portfolio. The aim is to spread risk by investing across a broad range of asset classes and regions.

Learn more about this strategy

Products and services

There are many options available for investors seeking diversification. Some of your options include:

  • Managed funds that invest in assets that may otherwise be difficult for individuals to access
  • Exchange traded funds which usually aim to provide diverse exposure to a particular asset class, market or region
  • CommSec Advisory’s one-off shares advice service which can help you build diversity into your share portfolio for a fixed one-off fee
  • A financial planner who can help you build a diversified portfolio beyond shares

Managed funds

Professionally managed funds providing access to a range of investment opportunities, available direct to SMSFs.

Visit Colonial First State

Exchange Traded Funds (ETFs)

Access different asset classes and markets with a single trade using ETFs.

Visit CommSec

Financial planning

Get the advice and support you need to navigate rules, optimise your SMSF’s performance and plan for the future.

Learn more

Share portfolio advice

Expert advice from CommSec Advisory to help you build or review your SMSF share portfolio investment strategy.

Visit CommSec

Investing for income

As an investor’s life-stage, goals and risk attitudes change, generating regular income from a portfolio may become more important.

Learn more about this strategy

Products and services

There are a number of ways to invest for income. Some of the options are:

  • Term deposits, where interest is compounded and paid regularly
  • Managed funds that invest in government bonds and other income-focused securities
  • Exchange traded funds that aim to mirror particular kinds of bonds or high dividend stocks
  • Australian shares that pay stable and regular dividends
  • CommSec Advisory’s income share portfolio advice which can help you build an income-focused share portfolio for a fixed one-off fee
  • A financial planner who can help you build income streams from your portfolio.

Term deposits

Access the power of compound interest with different time frames available depending on your investment goals.

Learn more

Australian shares

Access research tools to help you choose investments and trade shares in locally listed companies with CommSec.

Visit CommSec

Exchange Traded Funds (ETFs)

Access different asset classes and markets with a single trade using ETFs.

Visit CommSec

Managed funds

Professionally managed funds providing access to a range of investment opportunities, available direct to SMSFs.

Visit Colonial First State

Financial planning

Get the advice and support you need to navigate rules, optimise your SMSF’s performance and plan for the future.

Learn more

Share portfolio advice

Expert advice from CommSec Advisory to help you build or review your SMSF share portfolio investment strategy.

Visit CommSec

International exposure

Investing overseas can help with geographic diversification and provide access to different drivers of growth.
However, it also comes with its own set of risks, such as currency movements, legislative risks and geo-political risks.

Learn more about this strategy

Products and services

While there are other options investors may consider, some ways it is possible to get exposure to international markets are:

  • Managed funds that invest in global securities
  • Exchange traded funds that replicate the performance of an international share index
  • Shares in companies listed overseas
  • A financial planner who can help you get exposure to offshore markets.

Managed funds

Professionally managed funds providing access to a range of investment opportunities, available direct to SMSFs.

Visit Colonial First State

Exchange Traded Funds (ETFs)

Access different asset classes and markets with a single trade using ETFs.

Visit CommSec

International shares

Global investing via CommSec International, providing access to 25 markets and thousands of companies.

Visit CommSec

Financial planning

Get the advice and support you need to navigate rules, optimise your SMSF’s performance and plan for the future.

Learn more

Share portfolio advice

Draw upon the Group's award winning global research and CommSec Advisory experienced international advisers who construct international equity portfolios from 1,600 global stocks.

Visit CommSec

Property

Property can play a role in a number of different SMSF strategies for investors potentially interested in growth, income, diversification and small business asset optimisation.

Learn more about this strategy

Products and services

There are many ways to invest in property.

  • A residential investment property – with the option of borrowing to invest through a product such as SuperGear
  • A Real Estate Investment Trust  listed on the ASX and traded through CommSec
  • A managed fund where professionals select property investments
  • Exchange traded funds that invest in listed property securities
  • A financial planner can help you with your investment portfolio. We recommend consulting a financial planner if you intend to borrow to invest in property.

Property lending (SuperGear)

Borrowing to purchase an investment property with a product designed specifically for SMSFs.

Learn more

Australian shares

Access research tools to help you choose investments and trade shares in locally listed companies with CommSec.

Visit CommSec

Managed funds

Professionally managed funds providing access to a range of investment opportunities, available direct to SMSFs.

Visit Colonial First State

Exchange Traded Funds (ETFs)

Access different asset classes and markets with a single trade using ETFs.

Visit CommSec

Financial planning

Get the advice and support you need to navigate rules, optimise your SMSF’s performance and plan for the future.

Learn more

News and education

Keep up-to-date with market news, explore new companies and gain an understanding of different investment strategies.

Learn more

Business owners

With the right strategy in place, there are ways in which your SMSF can work in tandem with your business to create significant tax benefits.

Learn more about SMSFs for business owners

Property lending (SuperGear)

SuperGear can facilitate a borrowing strategy if an investor wants their SMSF to own their business premises, but we recommend speaking to a financial planner.

Learn more

Financial planning

Get the advice and support you need to navigate rules, optimise your SMSF’s performance and plan for the future.

Learn more

Business banking

Our business bankers or relationship managers can work alongside your advisers to help you get the most out of your business and your SMSF.

Learn more

SMSF cash account (CDIA)

Manage your SMSF’s cashflow, simplify your record keeping and make investing your money easier with a central cash hub.

Learn more

This is not intended to represent a comprehensive list of the products available to you, or even the most common ones for your specific objectives. It does not take into account your specific objectives or circumstances. We recommend doing your own research on how to meet your own investment objectives, and seek advice if you need further guidance.

SMSF adviser solutions

If you are a financial adviser or accountant providing services to SMSFs, find out how we can support your business and assist your clients.

Talk to an SMSF specialist

Things you should know:

Other than as set out below, financial services are provided by Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CommBank). Share Trading services are provided by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (‘CommSec’), a participant of the ASX Group and Chi-X Australia. CommSec is a wholly owned but non-guaranteed subsidiary of CommBank.

This information is prepared by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. Registered office: Ground Floor, Tower 1, 201 Sussex Street, Sydney, NSW 2000. For terms and conditions of the products mentioned, please visit any of our branches, or call us on 1800 138 363, Monday to Friday, 8.30am to 5.30pm AEST.

Commonwealth Direct Investment Accounts (CDIAs) and Term Deposits are issued by Commonwealth Bank of Australia. The SMSF CDIA is a bank account designed for use in conjunction with an SMSF. It is not a superannuation product in its own right.

SuperGear is offered by Commonwealth Bank of Australia. Applications for finance are subject to the Commonwealth Bank’s credit approval process. Fees and charges apply. Borrowing of funds needs to be consistent with your SMSFs investment strategy and the SMSF trust deed needs an express power to borrow.

CommInsure is a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 (CMLA) and Commonwealth Insurance Limited ABN 96 067 524 216 (CIL). CMLA and CIL are wholly owned but non-guaranteed subsidiaries of Commonwealth Bank of Australia. SMSF Plan is part of CommInsure Protection. The Product Disclosure Statements (PDS) for CommInsure Protection and CommInsure Guaranteed Annuities are issued by CMLA.

Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned, but non-guaranteed, subsidiary of Commonwealth Bank of Australia. CommSec is a Participant of the ASX Group and Chi-X Australia. To be eligible for the brokerage discount your account must settle to a CDIA and be CHESS sponsored by CommSec. Otherwise, you’ll be charged normal brokerage.

Commonwealth SMSF (the ‘Administration Service’) is a service offered by CommSec to assist in the administration and (where necessary) the establishment of self- managed super funds. CommSec has engaged SuperIQ Pty Ltd ABN 27 147 105 164 AFSL 406690 to provide self-managed super fund administration services and related technology services in relation to the Administration Service.

Commonwealth Financial Planning Limited ABN 65 003 900 169 is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia. Commonwealth Financial Planners are representatives or authorised representatives of Commonwealth Financial Planning Limited.

Investments in any of the Colonial First State managed investment funds and the First Wrap Platform are offered by Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468. You should read the relevant Product Disclosure Statement (PDS) carefully and assess whether the information is appropriate for you and consider talking to a financial adviser before making an investment decision. PDSs are available from colonialfirststate.com.au or by calling us on 13 13 36.

Accelerator Cash Account and Term Deposit are products of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 ('Bank') and are administrated by Australian Investment Exchange Ltd ABN 71 076 515 930 AFSL No. 241400 ('AUSIEX') under the CommSec Adviser Services brand. AUSIEX is a wholly owned but non-guaranteed subsidiary of the Bank.

The information contained may include general advice but does not take into account the investment objectives, financial situation and needs of any particular individual or trustee of a self-managed super fund. You should assess with the help of legal, financial and taxation advice, whether the information is appropriate in light of your own circumstances before acting on it.

While potential SMSF investments have been illustrated within this content they do not represent a comprehensive suite of possible investment products and services within the guidelines pursuant to the SIS Act 1993 with ATO oversight.