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Home / Investing / SMSF


YOUR FUTURE, YOUR DECISIONS. YOUR SMSF

With a self-managed super fund account on eToro, YOU are in control of your
investment.

Get Started


READY TO START?

Step 1

Click on “Get Started”

Step 2

Create an eToro SMSF account*

Step 3

Complete the SMSF application form that will pop up on your screen

Step 4

We will contact you within 24 business hours.

Get Started
Return to Application

A minimum deposit of $10,000 is required to open an eToro SMSF account.


A NEW GENERATION OF INVESTORS

A recent survey of young Australians found that attitudes towards investing for
the future have evolved. The next generation of Aussies want more control of
their investments, and with good reason: many believe they can get a better
average return by managing their own super than with a traditional
superannuation fund.


WHY DID YOU SET UP YOUR SMSF?

1. I wanted to gain control of my investments

2. I am self-employed and needed a flexible option

3. I wanted to use my SMSF to invest in the future

4. I wanted to minimise fees and super fund menegment costs

5. I wanted to offset and minimise my taxes

6. I don’t trust superannuation funds

7. I believe I can get a better average return managing my own super then with
the average super fund

8. I believe it’s important to plan ahead for retirement

9. Other




HOW DOES AN SMSF WORK?

Unlike a retail or industry super fund, a self-managed super fund puts you in
the driver’s seat. You decide how much to contribute, where you want to invest
and the type of insurance you want.

For more information about SMSFs, read the Australian government’s Money Smart
SMSF Guide, the SMSF section of the ATO website, and eToro’s Guide to Investing
as a Self-Managed Super Fund.



THE BENEFITS OF AN SMSF ACCOUNT ON ETORO

Beginner-friendly

eToro’s platform was designed to be simple for anyone to navigate — even if
you’ve never held your own investment account before.

Top trading tools

More advanced investors will find everything they need too, from pro charts to
risk management tools to in-depth research and analysis and more.

Diversification

Invest in US stocks, crypto, commodities, foreign currencies, or a mix of all of
the above… eToro gives you all of these options, in one portfolio.

Support and community

The collective wisdom of millions of investors is at your fingertips on the
world’s leading social investing platform.

No management fees

At all. Even when you copy other traders and invest in Smart Portfolios.

Other fees may apply. See eToro’s complete fees policy and pricing here.

Earn interest

Join the eToro Club and earn interest on your cash balance.


SELF-MANAGED DOESN’T MEAN ALONE

We understand that just because you want more control, that doesn’t mean you
won’t need support for your eToro SMSF account. Not only is our
dedicated Customer Service team here for you — you also have 24/7 access to an
entire online community of investors from Australia and around the world.




SMARTER INVESTING, WITHOUT THE MANAGEMENT FEES

eToro’s Smart Portfolios offer ready-made, diversified exposure to top market
segments and are an excellent option for any long-term investor looking for
a passive investment approach —– with no management fees or hidden charges.
Learn more about eToro’s Smart Portfolios here.


GET STARTED TODAY

If you do not yet have an SMSF but want to start investing as one via eToro,
refer to the Australian government’s Money Smart Guide for more information
about whether an SMSF is right for you. If you have an SMSF and would like to
open an account with eToro, you can begin your application process right away.

Get Started


FAQ

What are self-managed super funds?

A self-managed super fund, or SMSF, is a way of saving for your retirement. Also
known as DIY super, it is a private super fund that you manage yourself, in
which you are responsible for making all relevant investment decisions.

What is the difference between an SMSF and a superannuation fund?

The difference between an SMSF and other types of funds is that the members of
an SMSF are also the trustees. As trustee of your SMSF, you manage your own
super fund, rather than having a bank or fund manager make all of the investment
decisions for you.

Who can own an SMSF?

You can usually have up to six members in a fund and almost all Australian
residents can apply to set up their own SMSF. To be an SMSF member, you
generally must:

– Be at least 18 years old
– Be financially solvent
– Consent to being a member or trustee of the fund
– Accept the fund’s responsibilities by signing a Trustee Declaration
– Have no criminal convictions relating to dishonest behaviour
– Have never breached the Superannuation Industry (Supervision) Act 1993 or been
disqualified by SMSF regulators
– Not breach the sole purpose test

What types of assets can SMSFs invest in?

SMSF investment types can include, but are not limited to:

– Australian and international shares
– Residential and commercial property, or REITs
– Exchange-traded funds (ETFs)
– Commodities (e.g., gold and silver)
– Antiques and collectables
– Cryptoassets
– Businesses
– Cash

What are the benefits of an SMSF?

Some of the benefits of a self-managed super fund are:

– Flexibility. You have the flexibility to make decisions according to
fluctuations in the market — and timing is critical when it comes to investing.
Investing in stocks in Australia gives you greater control over your
investments, so you can track their performance and adjust your investments
accordingly.

– Diversification. You have the freedom to choose from a range of investments,
industries and asset classes. From stocks in Australian securities to investing
in cryptocurrencies, it can be a good idea to diversify your retirement
portfolio to help reduce the risks associated with individual stocks. Be sure
to do your research before deciding which asset types are right for you.

– Liquidity. A self-managed super fund lets you exit a stock at a time that
suits you. Plus, most shares can be sold quickly.

– Assistance. You may have control over your super and be responsible for its
financial and legal obligations, but that doesn’t mean you can’t seek
professional advice. Consider speaking to an independent financial advisor to
make the most of your SMSF.

– Tax credit. Because it is a retirement fund, your SMSF will only pay a flat
15% tax rate. Income from shares generally comes with a 30% tax credit, so you
can claim back the difference.

– Tax savings. Super funds generally do not pay tax on all capital gains. That
means once you have held an investment for over one year, only two-thirds of the
gain is taxable. Over time, this could help you significantly increase your
investment gains and help build your overall wealth.

What are my risks and responsibilities as a trustee of an SMSF?

As an SMSF trustee, you are responsible for making all investment decisions for
your fund. SMSFs also have legal administrative obligations that require you to
maintain records, provide financial statements, complete a tax return and
organise an independent audit.

Some risks may include:

– You are personally liable for all of the fund’s decisions — even if you get
help from a professional, or if another member made the decision.

– Your investments may not bring the returns you expect.

– You are responsible for managing the fund even if your circumstances change —
for example, if you lose your job.

– There may be a negative impact on your SMSF if there is a relationship
breakdown between members, or if a member dies or becomes ill.

– If you lose money through theft or fraud, you won’t have access to any special
compensation schemes or to the Australian Financial Complaints Authority (AFCA).

– You could lose insurance if you’re moving from an industry or retail super
fund to an SMSF.

How much does it cost to set up SMSF?

Setting up an SMSF generally costs between $300–$800 AUD. In addition, there are
annual auditing fees which can cost $1,000 AUD or more, depending on whose
services you employ.

Do I pay tax on SMSF?

Holders of SMSFs pay tax at a rate of 15% rather than your marginal tax rate of
tax.

How many SMSF can I have?

It is legally possible to have multiple SMSFs. However, bear in mind that
additional fees for each fund would be incurred.

Do I pay capital gains tax (CGT) on my SMSF?

Any net capital gain made through your SMSF will be included in your SMSF’s
assessable income. SMSFs have a flat tax rate of 15%. Complying SMSFs are
entitled to a CGT discount of 1/3 if the relevant asset has been owned for at
least a year.

With innovative investment tools and a collaborative trading community, eToro
empowers millions of users in over 100 countries to trade and invest in a simple
and transparent way.


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