secure your super and your future

Grow your wealth with self managed super

Let’s be clear, self-managed superannuation is not for everyone. If you’re not the sort of person who is comfortable with making personal investment decisions then there are probably better options. Industry superannuation funds might be a good alternative for you. But if you’re the sort of person who is comfortable with taking charge of your own personal wealth creation then self managed super might be just the ticket.

Of course, you need a certain amount of money in your self managed super fund (SMSF) to make it worthwhile. Obviously, there are costs in establishing and maintaining the fund but of course, these costs can be well and truly offset by the additional returns that you can achieve by managing your money yourself. Opinions vary, but it is commonly accepted that at least $150,000 is necessary to make a SMSF a worthwhile proposition.


Go your own way

Perhaps the greatest single advantage that SMSFs have over industry and retail funds is that you get to pick and choose the underlying investments. Unlike other funds, with your SMSF you can choose to invest in direct property including commercial, retail or domestic properties. You can also invest in direct shares, commodities, and in some circumstances even collectables including artworks.

There is no faceless investment manager between you and your money. You’re totally in control. Naturally, there are rules about what you can and can’t invest in as a SMSF trustee, but the rules are mostly common sense and straightforward. Of course, Certus Group know these rules backwards and were always happy to help with advice before you make an important investment decision.

Reap the tax benefits

You could easily fill a book describing the tax benefits of superannuation. There are tax deductions for contributions, salary sacrificing benefits, concessional tax rates on super funds and countless other goodies. The federal government has long understood the importance of making superannuation attractive. Clearly, they see it as the best way to keep as many retirees as possible financially independent of the government.

Tax and super has always been a complex area and Certus Group are well equipped to give you the best possible advice on legitimately minimising your tax through superannuation.


Starting a self managed superannuation fund is an important decision and should only be made after careful consideration and taking the best advice. Once you’ve made the decision to go ahead, your fund can be set up ready to go in just a few days. In most cases, it is possible to roll over your existing superannuation into your own Superfund.

Certus Group can establish you fund for you, help you with the rollovers and support you with fund administration and advice. Naturally, we can prepare the year end accounts and arrange the audit.

The first step in realising the power of self managed superannuation is to talk to Certus Group.

We’ll have a detailed discussion and help you decide whether a SMSF is the right thing for you.

If we don’t think it is, we’ll tell you. That happens sometimes. But if it is the right thing to you, will help you get the best out of your decision.