Understand How SMSFs Work with Guidance from Experienced Professionals.
An SMSF gives trustees greater involvement in managing their super and the flexibility to make investment decisions within ATO rules. Tax treatment depends on individual circumstances and current legislation. Supporting SMSF clients across the Sunshine Coast, Australia.
Guidance to investors
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Free SMSF Readiness Check
Important. This tool is educational only and does not provide financial advice.
Rules change. Check ATO guidance and seek advice from a licensed adviser.
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Discover Your SMSF Readiness
Take our quick assessment to receive an SMSF readiness summary and general information about next steps.
Quick check
This is a general indicator only. It is not personal advice.
How this helps
Tip: If you answered No to most questions, a standard super fund may be simpler and cheaper for now.
Plan your contributions
What this shows
Heads‑up: Employer SG counts toward the concessional cap. Check carry‑forward rules with an adviser if you have unused caps from prior years.
Estimate borrowing for a property
How the estimate works
Many lenders require extra buffers and certain asset types. Always obtain specific lending advice and tax advice for LRBAs.
Compare fees
Reading the result
Fixed fees can be shared by members. Larger balances can reduce the effective fee percentage in an SMSF.
Complete Guide to Self-Managed Super Funds
Everything you need to know about SMSF.
What is a Self-Managed Super Fund?
A Self-Managed Super Fund (SMSF) is your superannuation run by you for you. You get to decide how you manage your superannuation to set yourself up for the retirement that you want.
Anyone who already has money in another superannuation fund, pension fund, approved deposit fund, or any other form of rollover investment can set up their own SMSF. In addition, all Local, State and Federal Government employees can establish an SMSF, it’s a common misconception that public servants don’t have a choice of where their super goes. An SMSF can let you invest in assets like commercial property, but as an SMSF trustee you must understand the ongoing costs, compliance requirements, and potential tax implications. Always seek professional advice to decide if an SMSF is right for you.
SMSFs can have up to six members, allowing you to pool your super with others to reduce fees and access larger investments. Compared with managed super funds, an SMSF gives members direct control over the fund’s investment strategy. You can use a corporate trustee or individual trustees; in either case, each SMSF trustee is responsible for compliance. Consider how this structure compares with other super funds and whether the costs and obligations suit your goals.
Fund Membership
SMSFs can have up to 6 members per fund. This allows you the ability to combine your superannuation with other members to save on costs, or to invest into assets that the members feel more comfortable with.
1-6
Members per fund
100%
Control over investments
15%
Tax rate on earnings
The main benefits of establishing your own self-managed superannuation fund are control, flexibility and potential tax effectiveness. As a fund member, you can set the investment strategy and choose assets— with our assistance — to maximise your superannuation returns.
Compared with managed super funds and other super funds, an SMSF offers more direct decision-making. Investment options include Australian and international shares, property, managed funds, fixed interest and cash, and you may be able to buy property through the SMSF subject to superannuation laws.
You will have the flexibility to contribute to your fund according to your timetable, availability of funds, etc.
Control
You choose how your assets are invested, you monitor how those investments perform and you make investment decisions based on that knowledge.
You are able to borrow money from a bank to be used for your SMSF.
Because you make the decisions, you can always find out what your costs are and how your investments are performing at any time.
Flexibility
SMSFs traditionally operate within a fixed-price fee structure, depending on what type of investment you decide to go with, and can depend on the associated administration costs. This gives you the opportunity to be flexible with the fees.
When you combine your superannuation with other members', this can give you the flexibility to invest into assets you otherwise couldn't afford on your own.
You can link your fund with your overall financial plan. For example, your self-managed fund can be used for both accumulating assets during your working life and for income during retirement.
As an SMSF trustee, you have a higher level of involvement in investment decisions and can choose from a range of allowable assets such as property, shares, or other investments that meet superannuation regulations. The structure of your fund must always comply with ATO and SIS Act rules.
Furthermore, when you reach retirement age there is no need to close or "wind up" the fund. The reason, very simply, is that you can become a pensioner of your own fund and retain the assets in their current form if you so desire.
Tax Effectiveness
15%
Concessional tax rate on earnings
Earnings within a complying SMSF are generally taxed at a concessional rate of 15%, in line with current superannuation legislation. Actual outcomes depend on your fund’s structure, investment performance, and compliance with ATO rules. Consider seeking advice to determine if this structure suits your financial situation.
Investment Flexibility
Having your own fund allows you to select appropriate investments to maximise the return on your superannuation assets.
Traditional Options:
► Australian and International shares
► Property (residential and commercial)
► Managed funds
► Fixed interest securities
Alternative Investments:
► Cash deposits
► Gold, silver, and precious metals
► Wine, art, and collectibles
► Vintage cars (subject to strict rules)
How Does a SMSF Work?
If you want more control over your retirement but you’re time-poor or don’t want the hassle of SMSF paperwork, licensed financial advisers and tax accountants can prepare the documents and assist with administration on an upfront and ongoing basis. They can also compare SMSFs with other super funds, including managed super funds, so you understand this financial product and its potential benefits, costs, and risks. Professional guidance helps reduce the risk of non compliance and keeps your fund on track.
Cost Structure
The cost to set up and run an SMSF depends on your chosen structure and level of professional support. Fees may range from simple administration costs to more complex trust and compliance fees. Always consider professional advice to ensure your SMSF remains compliant and cost-effective for your circumstances.
So ultimately, it will depend on what your licensed financial adviser and tax accountant deem to be appropriate for the work involved in your strategy.
Time Commitment
The time you will need to spend managing your fund is really up to you; you can be as involved as you’d like to be, checking the performance day to day right through to the ‘set and forget’ model, where you could check on it once a year. The choice is yours.
Some people, especially retirees, discover that they enjoy studying investment markets. They find that they enjoy considering their options and find that they quite voluntarily spend more and more time in active control of their fund. Of course, you can always call upon the assistance of a professional adviser.
The cost to set up and run your SMSF will depend on your strategy and what you will use the SMSF for. You could have something as simple as your money in a bank account, right through to complex trust and company structures designed to save on tax and maximise your superannuation growth.
Ultimately, it will depend on what your licensed financial adviser and tax accountant deem to be appropriate for the work involved in your strategy.
The time you will need to spend managing your fund is really up to you. You can be as involved as you'd like to be, checking the performance day to day right through to the 'set and forget' model where you could check on it once a year. The choice is yours.
Some people, especially retirees, discover that they enjoy studying investment markets. They find that they enjoy considering their options and quite voluntarily spend more time in active control of their fund. Of course, you can always call upon the assistance of a professional adviser.
Important Consideration
It’s important to remember that a self-managed fund may simply not be a cost-effective way for you to go. This may be due to practical considerations such as insufficient funds or contribution levels. We evaluate your capacity, capability, and time commitments to determine if it’s viable for your individual situation.
Who Can Have a Self-Managed Superannuation Fund?
Anyone who meets the following basic criteria can establish and manage their own SMSF:
Basic Requirements:
To establish an SMSF, you must meet ATO trustee eligibility rules. Generally, members must be over 18, capable of acting as trustees, and not disqualified under superannuation law. Eligibility can vary depending on your employment and retirement status — always confirm with a licensed adviser or the ATO before proceeding.
Anyone who already has money in another Superannuation fund, Approved Deposit Fund or any other form of roll over investment.
You could be:
an employee
a director of a private company
already retired with money in a roll over fund
self-employed
about to receive a retirement or redundancy package
retired and already receiving a pension from a private Superannuation plan
Important Consideration
It’s important to remember, though, that a self-managed fund may simply not be a cost-effective way for you to go. This may be due to practical considerations such as insufficient funds or contribution levels.
It’s important to have a discussion about the practicality of an SMSF, where we evaluate your capacity, capability, and time commitments to determine if it’s viable for your individual situation. If so, we will show you how and assist you throughout the process.
Why Choose FAA for Your SMSF Property Investment
35 years of experience helping Sunshine Coast investors build wealth safely through property
Navigate SMSF Rules with Confidence
With over 35 years’ experience, we’ve helped SMSF property clients manage compliance effectively. We handle the complex ATO requirements so you can stay focused on building wealth.
Strong compliance history
Face-to-Face Support When You Need It
Based in Maroochydore, our team provides professional and personal support in person, by video or over the phone, giving you access to local support wherever you are in Australia.
9am-5pm local support
From Setup to Settlement Under One Roof
SMSF establishment, lending, property sourcing, legal work, and ongoing management. Everything coordinated by one experienced team.
Successful setups
Compliance Made Simple
Our clients benefit from robust compliance systems designed to minimise the risk of ATO penalties. We stay proactive with rules and regulations that change regularly.
35
Years Experience
Strong ATO Compliance
35
Years Experience
Support across Australia
How It Works
Your path from SMSF setup to property ownership.
SMSF Information Call
Book a no-obligation call to discuss SMSF requirements and learn how investment property may fit within your broader financial goals.
● No-obligation discussion
● General SMSF and investment information
Personalised SMSF Setup
We handle all SMSF establishment, ATO registration, and compliance setup while you review pre-approved property opportunities.
Property Purchase & Management
Complete your first SMSF property purchase with our lending team, then enjoy ongoing compliance and property management support.
What Our Clients Say
Real stories from real investors who chose FAA for their SMSF property journey
Disclaimer: These case studies are examples only. Past outcomes do not guarantee future results. Individual results will vary depending on personal circumstances and market conditions.
35
years experience
5-star
rated
Ready to join our growing community of successful SMSF property investors?
SMSF Property Rules Simplified
Understanding the key compliance requirements is crucial for SMSF property investment success
This means no personal use of SMSF property, no holidays in your SMSF investment property, and all decisions must benefit retirement savings. We help trustees understand the Sole Purpose Test and work with advisers to ensure investments meet ATO requirements
Lending money to or buying property from related parties is limited to 5% of your total SMSF value. We ensure your property purchases stay well within ATO guidelines and help you understand what counts as in-house assets.
We arrange LRBA-compliant loans where the property is held in a separate trust, protecting your other SMSF assets if things go wrong. Our lending partners specialise in SMSF loans and understand the complex requirements.
Can't buy property from relatives, rent SMSF property to family members, or engage in other related party transactions without specific conditions. Our team reviews every transaction for compliance before proceeding.
Don't Navigate SMSF Rules Alone
With over 35 years’ experience, we help clients understand and manage the administrative side of SMSF property investments in line with ATO requirements.
Free • No obligation • 24-hour response
Real-World Inspired SMSF Stories
These example scenarios are inspired by real clients we’ve supported on the Sunshine Coast. Every SMSF journey is unique, and outcomes will vary depending on your circumstances.
Sarah, 45, Teacher from Caloundra
🔴 Challenge
Wanted more control over property investment but felt unsure about SMSF complexity.
🔵 FAA Solution
FAA established a new SMSF, sourced a Brisbane investment unit, and arranged an LRBA loan.
🟢 Result
Purchased a $480K property using a 20% deposit from super. Now positively geared with long-term growth potential.
$480K
Investment
Mike & Janet, 55, Business Owners
🔴 Challenge
Already had an SMSF invested in shares and wanted to diversify into property.
🔵 FAA Solution
Restructured their existing SMSF and introduced property investment capability.
🟢 Result
Purchased a $650K Gold Coast townhouse, generating approximately $2,100 in monthly rental income.
$650K
Investment
Disclaimer: Individual results may vary depending on personal circumstances and market conditions.
Your SMSF Success Story Starts Here
Every successful SMSF property investor started with a single conversation. What will your story be?
$400K+
Average Property Value
95%
Client Satisfaction Rate
Free consultation • No obligation
Sunshine Coast SMSF Property Specialists
Based in Maroochydore, our team combines local market knowledge with national property opportunities. Face-to-face meetings available at our Plaza Parade office.
Our Office
Level 5, Tower 2
55 Plaza Parade, Maroochydore QLD 4558
Office Hours
Monday-Friday 9am-5pm
Direct Phone
1300 49 11 41
Why Choose FAA?
35 years local experience
Face-to-face meetings available
24-hour response
Book Your Call
Free SMSF information and readiness discussion.
Local Expertise, National Opportunities
Based on the Sunshine Coast but serving clients across Australia with SMSF property investment solutions
Local
Maroochydore, Sunshine Coast-based
National
Australia-wide service
Personal
Face-to-face meetings
Looking to understand your SMSF property options?
Join clients who choose FAA for clear, compliant SMSF administration and property coordination services on the Sunshine Coast.
No obligation • Sunshine Coast team
- ✔ Free SMSF readiness discussion
- ✔ Speak with local specialists
- ✔ Clear next steps tailored to you
35+ years
experience (verified)
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Disclaimer: Case studies are examples only and do not constitute personal advice. Past outcomes don’t guarantee future results. Rules and caps change—seek advice for your circumstances.
Ready to Take Control of Your Property Investment Future?
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Disclaimer: These case studies are examples only. Past outcomes do not guarantee future results. Individual results will vary depending on personal circumstances and market conditions.
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Disclaimer
The information provided in this blog is general in nature and does not take into account your individual objectives, financial situation or needs. It is not intended to be personal financial, legal, taxation, or investment advice. Before making any decisions, we recommend seeking advice from a licensed financial adviser who understands your specific circumstances. While every effort is made to ensure the information is accurate at the time of publication, Financial Advisers Australia makes no guarantees and accepts no responsibility for any loss arising from reliance on this content.