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Self-Managed Super Funds

Take control over the growth and security of your future wealth.

Why choose a Self-Managed Super Fund (SMSF)?

Whether you’re well established or just starting out, managing your own super is about being in control and having choice. We have a range of simple and easy-to-use banking solutions which can work together to help give you control of your SMSF portfolio, whatever your investment strategy. 

Get the support you need

If you have an SMSF or are looking to establish one, the chances are you’re fairly financially savvy and know the ins and outs of investing. 

Our range of products has been designed to integrate well with Self-Managed Super Funds. Although our Financial Planners can’t establish or manage your SMSF for you, they are available to provide investment advice1.

And if you ever have an enquiry, as a Suncorp Bank customer you’ll always have a real person to talk to – whether it’s over the phone or face to face.

View the Self-Managed Super Fund application form.

Choose investments you’re comfortable with

Please note that SMSFs are highly regulated and require specific Trust structures for particular investments.  You must seek independent financial advice and legal assistance prior to making investments for your SMSF.

Property Investment

Investing in property through your SMSF can deliver alternative income streams, beyond traditional superannuation investments, as well as providing attractive tax benefits.

A property investment inside your SMSF can allow you to use concessionally taxed income to fund the investment, meaning you could pay less tax on investment returns than outside of super.  Capital gains tax can also be lower when investing in property through superannuation2.  

Transaction & Investment Accounts

An easy way to manage your SMSF cash flow is to have a single transaction account, which operates as a cash hub or working account, providing a single view of all transactions.  This can simplify your super fund accounting, tax returns and end of year auditing.

You can track all of your fund’s transactions, receiving things like cash contributions, dividend payments, and the rollover of existing superannuation benefits, in a single account.

If you’re able to lock away your funds for longer periods of time, you might prefer an account that offers a higher interest rate.

Transaction & Investment Account Options:

Business Everyday Account: A basic account for receiving and transferring funds.

Premium Business Account: A combined transaction and cash management account, ideal for larger balances.

Business Saver Account: A high interest investment account. Additional flexiRates functionality allows you to lock away portions of your SMSF funds at a higher rate still, and for a term of your choosing.

Term Deposits: A high interest investment account that can pay interest monthly, quarterly, bi-annually, or annually.

Buying & Selling Shares

Investing in shares for your SMSF can be a relatively inexpensive way of building growth assets in your portfolio. Plus, many shares can be bought and sold relatively quickly providing an element of liquidity for your portfolio. Depending on your circumstances, receiving dividend income from your investment can also have tax advantages.

Suncorp Share Trade:
  • Is safe, enabling the secure purchase and sale of shares for your SMSF
  • Is flexible, you can trade what and when you want from your desktop, smart phone or iPad
  • Gives you instant access to live prices and dynamic charting as well as analysis and trading webinars. 
  • Has no account keeping fees or minimum account balance.

 Read more about Suncorp Share Trade.

 

Client Fact Sheet

For more information about a Suncorp Self-Managed Super Fund, download our Client Fact Sheet.

Sound good?

Or call us on 13 11 75

1Financial product advice is provided by representatives of Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229882. Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL 229882 (“Suncorp Bank”). Suncorp Bank is not responsible or liable in respect of products or services provided by other entities in the Suncorp Group.  Terms and conditions, fees and charges apply. Please read the relevant Product Information Documents before making any decisions regarding our products.  Contact us on 13 11 75 for a copy of the documents.

2The information set out on this page is of a general nature and has been prepared without taking into account a particular customer’s objectives, financial situation or needs. Before acting on this information a customer should consider its appropriateness relative to the customer’s objectives, financial situation and needs. You should seek advice from your tax advisor, accountant or financial advisor in relation to your particular circumstances and the financial and tax implications of any superannuation investments.

Suncorp Share Trade is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL No. 246381, a Participant of the ASX Group (“CMC Markets Stockbroking”) at the request of Suncorp-Metway Ltd ABN 66 010 831 722, AFSL 229882 (“Suncorp”). For a copy of the terms and conditions relating to the Suncorp Share Trade service and the Financial Services Guides for CMC Markets Stockbroking or Suncorp (or other relevant disclosure documents), contact us on 1300 156 299 or via email at clientservices@sharetrade.com.au. Neither CMC Markets Stockbroking nor Suncorp are representatives of each other. To the extent permitted by law, Suncorp will not guarantee or otherwise support CMC Markets Stockbroking’s obligations under the contracts or agreements connected with the Suncorp Share Trade service.

Suncorp Portfolio Services Limited (Trustee) (ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059) is the issuer of Suncorp WealthSmart Personal Super, Suncorp WealthSmart Pension, Suncorp WealthSmart Business Super, Suncorp WealthSmart Term Allocated Pension and Suncorp Everyday Super. These products are part of the Suncorp Master Trust (Fund) (ABN 98 350 952 022, RSE Fund Registration No. R1056655). Please read the relevant Product Disclosure Statement (PDS) before deciding to open an account or continuing to hold an interest. The information in the PDS is of a general nature only and does not constitute financial advice.

Unless otherwise stated, the Trustee and any other company within the Suncorp Group do not guarantee the repayment of capital or the performance of these products.

This product is not a bank deposit or other liability of Suncorp Bank (Suncorp-Metway Limited ABN 66 010 831 722 ) (SML) and is subject to investment risk including possible delays in repayment and loss of the interest and principal invested. SML is not liable or responsible for, and does not guarantee or otherwise support, these products.

FlexiRates

flexiRates allow you to earn higher interest rates by locking away a portion of your savings within your account for periods up to 12 months.