SMSF investing
For SMSF trustees seeking fixed-income exposure, VERIFIED™ Facilities provide a choice of fixed or variable rates across terms from 6 months to 10 years.
With a minimum investment of $100,000, VERIFIED™ Facilities can provide SMSFs with defined investment periods, clear rate structures and flexibility across different investment horizons.
Fixed income within an SMSF
SMSF trustees often consider a range of asset classes when building and reviewing their investment strategy. Fixed-income investments may be considered where trustees are looking for defined terms, income generation and diversification alongside other investments.
VERIFIED™ Facilities provide a choice of investment durations and rate structures, allowing trustees to consider how different maturity dates and income options may fit within their fund’s broader objectives.
Choose your rate type
VERIFIED™ Fixed Rate Facility
Select a term and lock in the applicable fixed rate for that term, subject to the facility documentation.
7.70% – 9.70% p.a.
View Fixed RatesVERIFIED™ Variable Rate Facility
Earn the Reserve Bank of Australia official cash rate plus a fixed premium based on your selected term.
RBA + 2.50% to 4.25% p.a.
View Variable RatesVariable rates may rise or fall when the RBA official cash rate changes.
Portfolio role
Trustees may consider VERIFIED™ Facilities as part of the income-producing portion of an SMSF portfolio.
Each investment has a selected term, helping trustees understand when capital is scheduled to mature, subject to the facility terms.
VERIFIED™ Facilities may form one component of a broader portfolio alongside other asset classes.
Different term lengths may help trustees consider future cash requirements and maturity timing.
Maturity planning
Where multiple facilities are permitted, some trustees may choose to allocate capital across different terms so investments mature at different times rather than all at once.
This approach may help trustees consider cash-flow and reinvestment timing, but whether it is appropriate will depend on the SMSF’s circumstances and investment strategy.
Illustrative example only
$300,000 across three terms
Who it may appeal to
For funds that value a clear investment period.
For funds considering income-producing investments.
For funds considering either fixed or RBA-linked variable options.
For funds that want flexibility across different investment horizons.
Whether an investment is appropriate depends on each fund’s circumstances, trust deed and investment strategy.
Income options
Monthly interest
Receive interest payments monthly during the investment term.
Compound interest
Allow interest to compound monthly during the term in accordance with the facility terms.
The most appropriate option will depend on the SMSF’s own cash-flow requirements and strategy.
Calculate ReturnsSMSF calculator
Enter a proposed investment amount, choose a term and select fixed or variable to see an indicative return based on current rates and approved calculation assumptions.
How it works
Select fixed or variable and choose an available term.
Minimum investment $100,000.
Provide the SMSF name and required entity information.
Our team will send a secure VERIFIED™ link to complete the required identity and entity verification.
Once accepted, follow the provided funding instructions.
Interest begins accruing from the day cleared funds are received, subject to the applicable facility terms.
Secure verification
SMSF applications require verification of the fund, trustee structure and the individuals authorised to act on its behalf.
Investing.com.au uses VERIFIED™ to support secure identity and entity verification as part of the onboarding process.
How It WorksBefore you invest
SMSF trustees remain responsible for ensuring investments are permitted by the fund’s governing rules and are consistent with the fund’s investment strategy and legal obligations.
Information on this page is general in nature and does not take into account the objectives, financial situation or needs of any particular SMSF or member. Trustees should consider their fund’s trust deed, investment strategy, liquidity requirements and applicable legal obligations and obtain independent professional advice where appropriate.
Read Important InformationWhy Investing.com.au
Investing.com.au is owned by an Australian-owned, privately held investment group established in the early 2000s. Its management has provided fixed-income solutions to hundreds of investors across Australia and has developed detailed knowledge of investment markets, regulation and investor needs.
We believe investors should have access to choice, clear information and a broader range of opportunities. That philosophy continues to shape how we design and present VERIFIED™ Facilities today.
About Investing.com.auYes. A SMSF may consider VERIFIED™ Facilities, subject to the fund’s trust deed, its investment strategy, the applicable facility documentation and the trustee’s legal obligations. Trustees are responsible for confirming an investment is permitted and appropriate for their fund.
$100,000.
Yes, subject to availability and the applicable facility terms.
Yes. With the Monthly interest option, simple interest is paid to the fund each month during the term.
Yes. With the Compound interest option, interest is reinvested and compounded monthly over the term, in accordance with the facility terms.
6, 12, 24, 36, 60 and 120 months.
Yes, an SMSF may hold more than one facility, for example across different terms, subject to the applicable facility terms.
SMSF applications require verification of the fund, its trustee structure and the individuals authorised to act on its behalf. Our team sends a secure VERIFIED™ link to complete identity and entity verification after reviewing the application.
No. Information on this website is general in nature. SMSF trustees should obtain their own professional advice.
Request the latest brochure for current rates, available terms, fixed and variable options and information about the application process.
SMSF investing
Compare current rates, calculate your income potential or begin an SMSF application online.
Calculate ReturnsInvestor information
Receive the latest rates, available terms, key features and application information by email.
Minimum investment $100,000 · For eligible individual and entity investors
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VERIFIED™ Facilities
Apply for a VERIFIED™ Facility
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You do not need to complete anything further right now. Our team will send you a secure VERIFIED™ link when your application is ready for verification.
For your security, only complete verification using a VERIFIED™ link sent as part of your application process.
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