Investment Process

The Investment Process should be carefully reviewed and followed to ensure that you adhere to our terms and conditions and more importantly ensure your SMSF complies with all Super Laws.

Step1

Review Investments Allowed

Clients of ESUPERFUND can only invest in Investments Allowed under the ESUPERFUND Platform. Accordingly prior to making an Investment for your SMSF you must ensure that the Investment selected is allowed under the ESUPERFUND Platform. For a full list of Investments Allowed under the ESUPERFUND Platform please click here.

Step2

Consider Investment Strategy

Prior to making any Investment you must ensure that the Investment complies with your SMSF's Investment Strategy. If you adopt the Standard Investment Strategy provided by ESUPERFUND for your SMSF, this will allow to invest in all Investments listed as Investments Allowed under the ESUPERFUND Platform. For more information on the importance of the Investment Strategy, please click here.

Step3

Make Investments from the Transaction Bank Account

All Investments made by your SMSF must be made directly from a SMSF Bank Account. To simplify the annual compliance process it is preferred that all Investments made by your SMSF are made directly from the Transaction Bank Account. This ensures that ESUPERFUND can track all Investments made by your SMSF. However this is not compulsory and Investments can be made from any of your SMSF Accounts as desired.

Step4

Document Investments

As a Trustee you must ensure all Investment decisions are made in accordance with the documented Investment Strategy of the SMSF. Documenting Investments does not mean that you document every Investment made by the SMSF. Typically Investment themes should be documented. For example you may be acquiring blue chip shares for capital growth and tax effective fully franked dividends. In this case, one Investment minute should be prepared detailing the rationale for this Investment. You should not prepare a separate minute for every blue chip share purchased. Similarly you may invest in several Term Deposits for capital stability and to generate a consistent ongoing yield. Again, in this case one Investment minute should be prepared detailing the rationale for this Investment. A Standard Investment Minute can be found here.

Step5

Document Annual Investment Review

In addition, a minute can be prepared detailing the results of the Annual Investment Review of the SMSF. In many cases there will be no change to the Investment Strategy and the underlying Investments making up that strategy. In this case a Minute will typically state that there has been no material change in the Investment Strategy or the Investments of the SMSF. Alternatively if there has been a material change in the Investments of the SMSF this should be minuted as part of the Annual Investment Review.

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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.

Fees: Fees relating to operating your SMSF with ESUPERFUND are detailed on our fee page here. When setting up a SMSF it is important to understand that additional fees may apply that must be carefully considered prior to making a decision to setup a SMSF including an ATO Supervisory Levy, Company Trustee Setup Fee (where applicable), and Investment Fees.