Low-cost SMSF setup for property and crypto
Set up your SMSF for $990 with a company trustee. Crypto is included from $1,190 a year and property from $1,550 a year, with no platform lock-in and no asset surcharges.
Why a cheap setup can cost more for property and crypto
A low headline price often assumes a fund that only holds shares. Check these before you choose.
Platform lock-in
Some low-cost plans only cover shares traded on the provider’s own platform. Using your own broker or exchange can mean a dearer plan.
Asset upgrades
Property and crypto are often only allowed on higher-priced plans. Ask what your fund will cost once it holds them.
Year two onwards
A free first year is followed by the standard fee. Compare the cost over the whole minimum term.
Trustee and exit fees
Check whether a company trustee costs extra and whether there’s a fee to leave early.
SMSF property, with or without a loan
Our Silver package covers residential and commercial property for $1,550 a year, whether you buy with cash or borrow. We’ve administered SMSF property since 2010.
- New LRBAs for business real property under the 10 August 2026 rules
- Residential property bought with cash and existing LRBAs
- Rent, loan repayments and expenses recorded in your accounts
- Lender and broker referrals when you need finance (we may receive a referral fee)
SMSF crypto without the surcharge
Crypto is part of our Bronze package at $1,190 a year for up to 300 trades. No separate crypto fee.
Your exchange, your choice
Read-only API feeds from Binance, Coinbase, Kraken, KuCoin, CoinSpot and Bitaroo.
Wallet ownership checks
We verify self-custody wallets belong to the fund, which your auditor needs.
Audit-ready records
Trades, transfers and year-end values reconciled into your accounts.
What you pay over the 24-month minimum term
Setup with a company trustee, plus two years of accounts, tax returns and audits.
| Your fund holds | Setup | Yearly fee | Two-year total |
|---|---|---|---|
| Crypto, shares, ETFs, gold (Bronze) | $990 | $1,190 | $3,370 |
| Property, with or without a loan (Silver) | $990 | $1,550 | $4,090 |
Yearly fees are billed after each year’s work is done. Government fees are extra for every SMSF: the ATO levy and the ASIC annual review. Full cost breakdown.
Median administration and operating expenses from ATO SMSF statistics (2022–23 returns). Bronze covers cash, shares, ETFs, gold and crypto up to 300 trades. Silver covers property with or without a loan. General information only.
Five questions to ask any SMSF provider
Is property or crypto included in the fee you quoted?
Ours: yes. Crypto in Bronze, property in Silver.
Can I use my own broker and exchange?
Ours: yes, no platform lock-in.
Is a company trustee included?
Ours: yes, in the $990 setup with ASIC registration.
What does year two cost?
Ours: the same fixed fee every year.
What’s the minimum term?
Ours: 24 months, covering two years of accounts and audits.
Online tools that come with your fund
Low fees don’t mean doing it all by email. Every My SMSF client gets these tools as part of the fixed fee.
Online dashboard
Log in any time to see your fund, documents and reports in one place.
Crypto exchange feeds
Read-only API connections to Binance, Coinbase, Kraken, KuCoin, CoinSpot and Bitaroo, plus wallet ownership checks.
Live bullion values
Gold and silver valued from LBMA, ASX and Perth Mint price feeds.
Borrowing calculator
Check what your fund can borrow for commercial property and get a full report.
Try it →Property and crypto SMSF: common questions
Can my SMSF invest in crypto?
Yes, if your trust deed and investment strategy allow it. Crypto is included in our Bronze package ($1,190 a year, up to 300 trades), so there is no separate crypto surcharge.
Can my SMSF still borrow to buy property?
Yes, but since 10 August 2026 a new limited recourse borrowing arrangement (LRBA) can only be used to buy business real property, such as offices, shops, warehouses or your own business premises. Your fund can still buy residential property with cash and existing LRBAs continue.
Which package do I need for property?
Silver, at $1,550 a year. It covers property with or without a loan, plus shares, ETFs, crypto and other investments.
Do I have to use a particular broker, exchange or trading platform?
No. You choose your own broker, bank and crypto exchange. We connect read-only feeds from major exchanges and brokers to prepare your accounts.
What does the $990 setup include?
An ASIC-registered trustee company, the trust deed, ABN, TFN and ATO registration. Your first year of accounts, tax return and audit is billed after year one. There is a 24-month minimum term.
What other costs should I expect?
Every SMSF pays the ATO supervisory levy ($259 a year, with two years in the first return) and the ASIC annual review for the trustee company ($70). Borrowing to buy property also needs a bare trust and property purchases have stamp duty and legal costs.
Set up your property or crypto SMSF
$990 with a company trustee. Fixed yearly fees from $1,190, billed after the work is done.
1300 545 516General information only, current as at 24 September 2026. It does not consider your personal circumstances and is not financial advice.