SMSF Precious Metals Investment – Simple, Secure & Transparent
Why Invest in Precious Metals Through Your SMSF?
A diversified retirement portfolio needs real, tangible assets. Precious metals offer SMSF trustees a proven way to protect and grow wealth:
Diversification
Reduce reliance on shares, property, or cash by diversifying your portfolio with non-correlated assets.
Protection from Inflation & Market Volatility
Tangible Assets You Can Trust
Physical bullion is globally recognised, universally valued, and offers security that paper-based investments don’t provide.
Long-Term Wealth Preservation
Flexibility Across Metals
Mix gold, silver, platinum, or palladium to suit your fund’s investment strategy and risk profile.
What Bullion Products Can Your SMSF Buy?
At Cash Your Gold, we offer a full range of ATO-compliant bullion products designed for SMSF trustees. Our extensive selection ensures you can choose the size and type that fits your investment needs:
Gold Bullion
Bars and coins from 1g, 2.5g, 5g, 10g, 20g, 25g, 1/4oz, 1/2oz, 1oz, and larger sizes—all backed by live market pricing and certified purity.
Silver Bullion
Platinum & Palladium
Investment-grade bars and coins in recognised sizes, offering portfolio flexibility for those seeking broader precious metal exposure.
Pool Allocation – Cost-Effective & Hassle-Free
Storage Options for Your SMSF Bullion
ATO rules require SMSF bullion to be secure and kept separate from personal assets. We offer flexible storage solutions designed for compliance and peace of mind:
Allocated Storage
Individual bars or coins stored securely under your SMSF’s name, with full insurance coverage and dedicated documentation for your auditor.
Pool Allocation
Share a holding of bullion backed by audited, insured metal reserves. This cost-effective option includes no annual storage fees and streamlined audit reporting—perfect for trustees managing multiple SMSF accounts.
Yearly Holding Statements
Detailed annual statements are provided directly to support your SMSF audit, simplifying compliance and reducing administrative burden.
Compliance & Regulations – What You Need to Know
As an SMSF trustee, understanding the compliance framework is essential. Here’s what the ATO requires:
Trust Deed & Investment Strategy
Your SMSF trust deed must explicitly allow investing in precious metals. Your investment strategy should clearly document that gold, silver, or other metals are approved investments aligned with your retirement goals.
Ownership & Documentation
Secure, Compliant Storage
Precious metals must be stored separately from personal property and comply strictly with ATO guidelines. Storage in dedicated facilities is strongly recommended and helps meet audit requirements with ease.
The Sole Purpose Test
SMSF assets, including precious metals, must be held solely for retirement benefits. This is non-negotiable—trustees must ensure compliance at all times.
Valued at Spot Price
Bullion is valued based on the weight and spot price of the metal. Collectible coins with premiums exceeding their metal value face stricter ATO rules and aren’t recommended for SMSFs.
How to Get Started With SMSF Precious Metals
Investing in bullion through your SMSF is straightforward when you follow the right steps:
Verify Your Documentation
Confirm that your SMSF trust deed and investment strategy explicitly permit investments in precious metals. If not, update them first.
Open an Account with Us
Submit your required SMSF documentation (ABN, trust deed extract, ID verification) and open an account in your SMSF’s name.
Choose Your Bullion
Select from our range of gold, silver, platinum, or palladium products, or explore Pool Allocation for simplicity and cost savings.
Lock in Live Market Pricing
Your purchase price reflects current international market rates, updated in real time for complete transparency.
Arrange Secure Storage
Choose between Allocated or Pool Allocation storage. We handle all insurance, documentation, and compliance requirements.
Receive Annual Audit Support
We provide detailed holding statements and valuation reports annually, simplifying your SMSF audit process and ensuring full ATO compliance.
Risks & Considerations
While precious metals offer strong diversification benefits, understanding the risks helps you make informed decisions
Market Fluctuation
Gold and silver prices vary daily, but long-term holding strategies typically even out short-term volatility. Think of precious metals as a hedge, not a quick-flip investment.
Liquidity
Selling bullion may take slightly longer in less active markets. Choosing popular products (bars and standard coins) ensures faster, smoother transactions.
Compliance Risks
Incorrect paperwork, mixed personal-fund storage, or missing audit documentation can jeopardise your fund’s tax-exempt status. We support you to stay on top of this.
Storage Costs
Professional vaulting attracts fees, but they’re essential for security, insurance, and audit compliance. Pool Allocation eliminates annual storage costs.
Security & Theft Prevention
Proper professional storage removes theft or loss risks entirely—far safer than home storage and audit-compliant.
Frequently Asked Questions About SMSF Precious Metals
Q. Is investing in gold with my SMSF legal?
A. Yes, you can legally invest in gold through your SMSF as long as you meet ATO guidelines and SMSF rules.
Q. What storage options do I have for SMSF gold?
A. Options include dealer vaults, independent bullion facilities, or approved secure storage services. Home storage is discouraged.
Q. Can I physically hold the gold?
While in some cases gold can be stored at home legally, it’s usually not recommended as it creates a heavier audit and documentation burden (e.g., detailed inventory, photos, insurance, secure storage proof).
Q. How much should I invest in gold in my SMSF?
A. This depends entirely on your retirement goals, risk tolerance, and overall portfolio mix. We recommend consulting a licensed financial adviser to determine the right allocation for your situation.
- Suite 5, 832 Gympie Rd, Chermside, Queensland, 4032
- 07 49 390 234
- info@cashyourgold.net.au
100 METERS WALK FROM CHERMSIDE SHOPPING CENTRE STATION
Business Hours
Monday to Friday: 9am to 5:30pm, Saturday: 10am to 4pm.
- 6/409 Mains Rd Macgregor, Sunnybank QLD 4109
- 07 2142 6862
- info@cashyourgold.net.au
Business Hours
Monday to Friday: 9am to 5pm, Saturday: 10am to 4pm.
- Unit 3/3376 Mount Lindesay Hwy, Regents Park QLD 4118, Australia
- 07 2142 6482
- info@cashyourgold.net.au
Business Hours
Monday to Friday : 9am to 5pm, Saturday – 10am to 4pm
Get Started With SMSF Gold Investment
Ready to secure your future with gold? Speak with our SMSF gold investment specialists today.