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Self‑Managed Super Fund
Self‑Managed Super Fund
Fortis — Rollover the Super to an SMSF
Take charge of your retirement wealth while gaining institutional‑grade access to crypto and global markets.
What Is an SMSF?
A Self‑Managed Super Fund (SMSF) allows Australian investors to take direct responsibility for their retirement assets. Trustees can choose where to invest—shares, property, cash, and, increasingly, digital assets—while remaining subject to the Superannuation Industry (Supervision) Act 1993 (SIS Act) and ATO guidelines.
How Fortis Supports Your SMSF
| Action | Your Benefit |
|---|---|
| 1 | Open an SMSF‑designated wallet at a recognised Australian exchange. Assets remain in Australia and in your fund’s name, satisfying ATO custody rules. |
| 2 | Transfer funds (AUD or crypto) from your existing super provider into the SMSF wallet. Seamless rollover; no early‑withdrawal penalties. |
| 3 | Appoint Fortis as investment manager (min. USD 25,000 ≈ AUD 39,000). Fortis implements multi-asset strategies; you retain wallet control. |
| 4 | Trading & reporting – Fortis executes trades through your SMSF wallet. Transparent records and monthly audit-ready performance reports. |
| 5 | Withdrawals – When allowed by super law, you instruct the exchange to transfer to your SMSF bank. Fortis handles the trading paperwork. |
1 | Why Switch to a Self‑Managed Super Fund?
| Benefit | What it Means for You |
|---|---|
| Investment freedom | Allocate to Australian shares, ETFs, property, metals, cash, and digital assets. |
| Cost visibility | Flat-fee admin often beats percentage fees as your balance grows. |
| Tax planning control | Optimise CGT, franking credits, and pension-phase timing. |
| Family wealth vehicle | Up to 6 members (e.g. partners, adult children) can pool funds. |
| Digital‑asset access | Hold crypto and tokenised commodities under clear ATO rules. |
2 | SMSF Set‑Up & Rollover Roadmap
| Step | What Happens | Key Compliance Notes |
|---|---|---|
| 1 | Choose trustee structure | Corporate trustee recommended for liability protection. |
| 2 | Draft a crypto‑enabled deed | Allow for digital assets, CFDs, derivatives. |
| 3 | Register with the ATO | ABN & TFN issued; appears on SMSF Lookup in ~56 days. |
| 4 | Open SMSF bank account | Required for rollovers and audit trail. |
| 5 | Rollover existing super | Submit request; APRA funds transfer via SuperStream in ~3 days. |
| 6 | Create compliant crypto wallet | Sub-account must be in fund’s legal name. |
| 7 | Document investment strategy | Reviewed annually; notify ATO of trustee changes. |
| 8 | Appoint Fortis | Fortis gets API-only access; no withdrawal rights. |
3 | Fortis Integrated Workflow
| Action | Fortis Role | Trustee Control |
|---|---|---|
| Wallet creation | Help with onboarding & deed linkage | Wallet remains with trustee |
| Funding & rollover | Liaise with incumbents; monitor SuperStream | You authorise all fund flows |
| Trading execution | Deploy diversified strategies | API keys limit Fortis to execution only |
| Reporting | Monthly P&L, audit logs | Meets ATO & SIS Act requirements |
| Withdrawals | Prepare trade-close documentation | Trustees instruct exchange and bank |
4 | Protection & Compliance Layers
- ⦿ Named‑wallets – Must match SMSF legal name to meet ATO rules.
- ⦿ In‑house asset cap – Related-party investments capped at 5%.
- ⦿ Independent audit – Fortis provides year-end packs.
- ⦿ Liquidity windows – Most trades settle in 2 business days; some yield products require 30‑day notice.
- ⦿ Cyber‑security – Multi‑sig, cold storage, SOC‑2 compliance.
5 | Membership Tiers & Enhancements
| Option | Interest Rate (p.a.) | Eligibility |
|---|---|---|
| High‑Yield Savings Plan | Up to 14.5% | SMSF balances ≥ USD 25,000 in Reserve Basic |
| Monthly Trading Cashback | Rebate on trading volume | Auto‑credited; doesn’t affect interest |
| Tier | Min Balance | Exposed Portion | Perks |
|---|---|---|---|
| Silver | USD 10,000 | 50% | Basic reporting |
| Gold | USD 25,000 | 75% | Dedicated rep |
| Platinum | USD 100,000 | 100% | Priority execution, webinars |
| Diamond | USD 250,000+ | 100% | Bespoke strategies, VIP events |
Balances below USD 10,000 welcome via retail route (standard deposits).
6 | Transparent Fee Schedule
| Cost Item | Amount | Notes |
|---|---|---|
| Account establishment | AUD 0 | DIY trust‑deed cost extra |
| Management fee | 2% – 4% p.a. | Quarterly calculation |
| Performance fee | 7.6% – 12% | Only in profitable years |
| Trade execution | No markup | Institutional spreads |
| Exit / transfer | AUD 0 | 21‑day notice; exchange fees apply |
7 | Risks to Consider
- ⦿ Market volatility – Leverage amplifies moves; derivatives magnify risk.
- ⦿ Custody risks – Loss of keys = asset loss. Fortis requires strict naming and multi‑sig.
- ⦿ Regulatory change – ATO/ASIC may revise rules yearly.
- ⦿ Liquidity – Some assets may be hard to trade in stressed markets.
Seek independent financial advice. Fortis provides general info only.
8 | Key Conditions & Safeguards
- 1. Trustee control – Fortis has trade-only access; no withdrawals.
- 2. ATO compliance – Aligned with SIS Act, audit-ready format.
- 3. No counterparty risk – Treat wallet funds as direct Fortis assets (for audit).
- 4. Liquidity windows – 2-day settlements; interest-bearing products may need notice.
- 5. Audit-ready – Year-end tax packs, histories, and valuations provided.
Ready to Act?
- 1. Download our SMSF deed‑upgrade kit (includes crypto clauses).
- 2. Book a 15‑minute strategy call.
- 3. Fund your wallet and activate your Fortis tier.
Questions? Email Support or contact your Fortis account manager (Mon–Fri, 9am–6pm AEST).
Fortis —bridging traditional retirement savings with tomorrow’s asset classes, under your control.