SMSF trust deed: Best trust deed for a self-managed super fund - Grow

Not all SMSF deeds are created equal – which is why if you try searching by yourself on the internet you will find numerous providers with a range of prices. So what is the best SMSF trust deed you should get for your SMSF?

Why is an SMSF trust deed so important?

You need to select a trust deed that enables you to maximise the potential a SMSF can offer when it comes to building your wealth while protecting you and your family at the same time. Your SMSF deed is probably the most important document in your arsenal when you are trying to build wealth, save tax and protect your assets.

Many SMSF trustees and their advisers are guilty about approaching what you can and can’t do with your SMSF the wrong way.  It is simply not a case of checking whether it is OK under the relevant superannuation and taxation laws.  You need to ensure that your trust deed allows it – if it is not contained in the rules of the fund then you can’t do it.

Even more importantly, if you do something that is contrary to a rule contained in your SMSF trust deed, then you have also breached the the superannuation laws.


Take advantage of unique SMSF strategies

Enough of the scare tactics.  Let’s talk strategy.  If you do not have a good quality and up to date trust deed, you will not be able to take advantage to some of the fantastic strategies that are exclusive available to SMSFs such as:

  • Investment flexibility
  • Ability to borrow to purchase property or other assets
  • Estate planning flexibility and control
  • All types pensions
  • Acceptance of ATO co-contributions
  • Flexible voting power
  • Choice of trustee
  • Acceptance of UK pension transfer (if over age 55)

Best SMSF trust deed providers

I can’t name one specific SMSF document provider that is the best.  Most SMSF deeds are fit for purpose.

However, some are of higher quality than others.

Deeds I am more than happy to utilise with my clients are:

  • Now Infinity (deeds prepared by Mosiac Legal)
  • TopDpcs
  • Heffron
  • Cooper Grace Ward (CGW)
  • DBA
  • LightYear Docs

They key thing with all the above SMSF deed providers is that they’re SMSF specialists.  They live, eat and breathe SMSF.  They understand the myriad of superannuation and tax laws and regularly update their deeds to ensure the latest SMSF strategies can be used and that the deed is fit for purpose.

Related articles

You may also be interested in the following articles:


  • Kris_Evolved

    October 23, 2010 at 3:07 am

    Just a quick update to let you know that I have updated my resource page to include the following two forms:

    1. SMSF Trust Deed Upgrade and New Trustee Company Form

    2. New SMSF Set Up Form – Including Special Purpose Trustee Company

    So if you are thinking about setting up and new SMSF, or have an existing SMSF which needs updating due to the huge about of changes to super over the last few years, download the form you need to start taking advantage of all the great strategies and opportunities that are available!

    Any questions please feel free to comment or contact me.

  • Pingback: How to set up a SMSF - the right way! | EvolveMySuper

Comments are closed.

Copyright © 2020 by Grow SMSF Pty Ltd. All rights reserved.
Registered Agent Number 26057627.

General Information Warning & Disclaimer

All information contained on this website is provided as an information service only and, therefore, does not constitute, and should not be relied upon as, financial product advice. None of the information provided takes into account your personal objectives, financial situation or needs, and you will need to make your own decision about how to proceed. Alternatively, for financial product advice that takes account of your particular objectives, financial situation or needs, you should consider seeking financial advice from an Australian Financial Services licensee before making a financial decision.

Grow SMSF does not hold an Australian Financial Services Licence (AFSL) and we are not authorised representatives of a AFSL. We do not provide financial product advice or recommend any financial products either expressly or implied.

From time to time Grow SMSF may produce information or content about specific financial products or services that enable access to specific financial products however we do not recommend, endorse or confirm as suitable any financial product or service featured on the Grow SMSF website or social media assets. This condition specifically applies to any financial product where Grow SMSF provides services at a discounted or preferential fee due to the use of those products, services or accounts. It’s not compulsory to utilise a specific account or service provider to be a client of Grow SMSF however the types of accounts, investments and service providers you use for your SMSF will determine the fees your SMSF is charged.

Where Grow SMSF provides information in relation to a financial product or service supported by or integrated with Grow SMSF the information is factual information only about the operation of the account or service and how data or reporting information is made available to us. Before making a decision on any financial product for your SMSF you should obtain a Product Disclosure Statement (PDS) relating to that product and consider the PDS before making any decision. As financial product and solution providers are frequently making changes to their products and services Grow SMSF cannot accept any responsibility for any outdated or inaccurate information provided on this website or via social media assets.

Grow SMSF Gold Coast based accountants looking after SMSF trustees from around Australia. Liability limited by a Scheme approved under Professional Standards Legislation.