What can you buy in an SMSF? And this is ATO

approved. I know you can buy property. I'm gonna go buy a holiday house and

I'll just keep it over there and no one's gonna know about it. Well, the tax office says

industry super funds are saying that when you retire, you will

need $600,000 for a single person and about $700,000 for a couple. I

don't know about you, but I don't know how long that's going to be lasting. Let's say you had

$100,000 sitting in your superannuation fund, and let's assume that you're putting in

$500 into your superannuation every single month. Your portfolio,

I'm going to have to count the zeros. I'm Matthew Fraser, and this is

Crypto Collective. After making millions with Amazon and e-commerce,

I realized that if I was starting again today, crypto would

be my first choice. I'm here to help you take your first

steps and build real wealth. Ready to set yourself up

for life? Let's go. Hey, guys, welcome to the Crypto Collective.

My name is Matthew Fraser. And in today's episode, it's going to be one of my favorites and

hopefully, one that you can look back on for many, many times. It's

about SMSFs. What you can and what you cannot

buy in a self-managed super fund. So

for most people, they think of SMSFs are just for

buying shares and property. But let's break down exactly what you

can and can't buy. So guys, I just want to say from the outset, I

know you won't be able to believe it, but I'm not an accountant, I'm not a

financial advisor, and I'm not someone who's a ATO tax

agent. What I am is someone who holds multiple seven figures

of mainly Bitcoin and some crypto. And

I also have my own self-managed super fund.

And what I've discovered is there's people that have a lot of myths out there, and that's why we

put this together. And I want you, though, to just use this video

as a guide only. Go seek your own financial advice. Now,

I only just came across this just the other day. And

this is some interesting facts about SMSFs. And

that is that the adoption rate is growing massively in

Australia. That's why it's so important I put out this information for a lot

of people, because no doubt there's many people thinking about adopting an

SMSF and taking control of their own future and

their own money, rather than leaving it in an industry superannuation

fund, which has done poorly, but we'll get into those details in a

second. What's happened, though, is from 23 to 24 financial

year, the amount of SMSFs actually doubled in

Australia. And that's why it's so important to talk about this topic. So let's

start with what you can't buy. Now, this

is interesting because when I first set up my SMSF with

my accountant, I said to him, hey, can I buy this and can I

buy that? And he said, no, no, no, no, no, no. And so the first

thing is your home or a holiday house. This

is something that you can't buy in an SMSF. A lot

of people would like to think, you know what, I've got a great idea. I

know you can buy property in SMSF. I'm going to go buy a holiday house

and I'll just keep it over there and no one's going to know about it and we'll just go use it on the weekends.

Well, the tax office says, absolutely not. You cannot do that.

The other thing you can't do is buy cars, boats

or luxury items like Louis Vuitton handbags. You

can't buy art, wine, collectibles, if

you enjoy those types of things. This was another question I put to my account and

I was like, you know what, what about if I just buy like a vintage

Ferrari F40 or something for like $2 million and

I don't even have that much in the super. But let's just say you did. And the answer is

no. And what was interesting was you simply cannot buy

something that you can use yourself, which is, look,

I think it's bad. I don't write the rules. But apparently in the olden

days when superannuation and SMSF was really

happening back in sort of like the late 90s, people would buy cars

and holiday homes in their SMSF trust.

And then they would just use them on the weekends. They'd buy paintings and

all sorts of things. And eventually, the tax office just cracked

down, rightly or wrongly, I would say, wrongly,

and just said, no, you can't use those things. I mean, my argument

would be, well, why can't you use a holiday home, you

know, the holiday home is still standing there. It's not like you're taking it

with you. Yeah, you're using it, but it's still within

the SMSF trust. Anyway, you're not allowed to do that. So

it's basically anything that cannot be held at

arm's length. Okay, that's what you cannot hold in an SMSF.

Okay, so what can you buy in an SMSF? And

this is ATO approved. And the first thing is you can actually

buy property, residential or commercial property. Now,

it must be used, again, for investment purposes and

not personal use. The other thing which probably most

people think about is you can buy shares. So they can be Australian

stock exchange or international type shares. ETFs

and managed funds are also available. Now ETFs is exchange traded

fund. Bonds and term deposits, they're okay too.

And precious metals like gold and silver. And the one

thing that you can buy that most people probably don't

realize is you can actually buy cryptocurrency. Now,

when I say cryptocurrency, I mean that in a broad term, but I

would break it down and say you can buy Bitcoin and

other altcoins. Now, that being said, I

only hold, I mentioned before that I have an SMSF. I've

moved all of my funds from my industry super fund into

an SMSF and I've purchased Bitcoin. Nothing

else. Only Bitcoin. Let me tell you that if I

come back to this story that only just came out yesterday, that's what a

lot of other people are doing. They're taking their funds out of

the industry super fund, they're putting it into an SMSF, and they're buying cryptos.

There was a gentleman in this actual article called Timothy Yang. What was

interesting, I have found a similar story, is he looked at what his annual

compounding rate was within his superannuation fund.

It was about 8%. Now, they actually said that in this

article, they said that was a pretty solid. To me, if I was getting 8%, that would

be devastation. I would not want to have just

getting 8% because it doesn't even meet the hurdle rate. Now, the hurdle rate in Australia is

probably somewhere between, depending on which economist says, 14% to 15%. That means

you've got to be earning at least, let's say, 15% to be at

least breaking even. So therefore, Timothy Yang

looked at it. He got his 8%. Now, what did he get by moving

his funds over to crypto? And it actually says here,

he got 75% gain compared

to 8%. That's what we're talking about. Now, I know

what you're going to say to me now. Matt, you can't put it into cryptocurrency or

Bitcoin. It's too risky. It's too volatile. Yeah,

there is a risk, absolutely. And yes, it is volatile.

And the volatility is not just in the downside, but

it's also in the upside. And that's why we saw, or Timothy saw

in this story, that's why he saw a 75% gain, because it

was volatile to the upside. Personally, I don't hold anything

except for Bitcoin. So for me, personally, I think everything outside

of Bitcoin has a much higher risk like the altcoin. So

Ethereum and Solana and the list goes on. That to me

has a much greater risk, which I'm not prepared to take and I don't need to

because Bitcoin is the number one asset. Now, if

you look back in history, I'm going to talk about in a second, it's been the best performing asset.

So therefore, that's why I only hold Bitcoin in my

own self-managed super fund. Now, there are some caveats when it comes to cryptocurrency

and holding it in the SMSF. And this is according to the

ATO. One, you must still be compliant. So you can't mix

some of your personal Bitcoin, let's say, into your self-managed super

fund Bitcoin. They just cannot merge. You've got to keep it separate.

Now, if you go to a place like CoinStash, which is a

local Australian exchange, one of the top exchanges in Australia, you

can create separate accounts within the exchange. So you could

have your SMSF account there, plus have a separate

internal account for your personal or your business. And therefore, because

it's separate, it's compliant with the ATO. So I've just

given you some insight into Bitcoin and with Timothy Yang

and his story where he saw 75% in one year. Now, You're

right, he might not see 75% the next year. Maybe it's 15%. Maybe

it's 20%. Maybe it's 5%. We don't really know. Maybe it's negative. But

let's look back now and compare if you were to put your money

into something else like the ASX. So let me share with

you then, ASX over the past 10 years. It has seen an 8% to

10% return. What about property, you ask? Property is going through the roof.

We can't even get into property anymore. But what have the actual returns been

over the past decade? Only 6% to 8%. What

about gold, I hear you say? No, gold right now is going absolutely

crazy. At the day of recording this video, it's seeing all-time

highs in the gold markets. But what has it done over the past

10 years? You're going to put your head down now. 1% to 2%. That is it. What

about bonds? Safe and secure bonds, right? Well, they've

seen 2% to 4% over the past 10 years.

Now the question is, what about Bitcoin? What

have we seen over the past decade? Well, we already know that

Bitcoin is the best performing asset in the last decade.

But what has the actual return been? Well, wait for it. The average return

for the past 10 years is 200%. Right?

Is your jaw on the floor right now? Could you imagine if you just look

back now, if you didn't have your funds now in getting

6% to 8% industry super fund, but you actually had it allocated

to Bitcoin, where would your position be?

So guys, let's have a look at the numbers. I'm going to give you the exact numbers

on my compound interest calculator to see what

it compares against. Now let's assume just for round numbers, let's

say you had $100,000 sitting in your superannuation fund. So

let's say it was sitting in shares, right? That was between 8% to

10%. So 10% over the past 10 years. And let's assume

that you're putting in $500 into your superannuation

every single month. your end result would be $373,000. Let's

say, obviously these are going to be worse, but let's say it was property at 8%, $313,000. Let's

say you had it sitting in gold and you got the highest of

the average and you got 2%, your $100,000 is going to be now after 10 years, And

I know what the next question is you're going to ask me. And so now

let's look at bonds. Bonds was the best case was 4%. Your

100 is now $222,000. Wow. Fantastic.

You're going to say to me, yeah, but Matt, although gold was crap and

it was only 2%, you know, we'd have a, a diversified account.

And I hear this from financial advisors who like

to attack me now on social media, which is fine. Bring on the attacks. I

want to hear the argument. They say, yeah, but Bitcoin's too risky. And what

if it goes down? Yeah, well, these things happen. But what happens right

now if shares go down? Right now, shares have gone down.

We're in a trade tariff war. The market's a

bit skittish. There's nothing certain about any of those things I've

just mentioned. Gold, well, gold is probably the second

best one, which is probably a bit more certain. But things like stocks and shares, they're

all based on companies. Their returns can go down. Their stock price can go down. So

if we go now to Bitcoin at 200%, well, you

know this is going to blow you out of the water. Oh, God. So

at 200% average per year, your

portfolio, I'm going to have to count the zeros. I think it's a lot. Put

it that way. I think it's actually $11 billion.

I think that's what it is. I could be wrong. $11 billion. Yeah, I

think it's $11 billion, OK? And I can

see you now, right? Some of the skeptics out there are going to be laughing. Oh,

that's rubbish. It could be $11 billion. You

can just go to any place right now and you can find

stories about people who bought Bitcoin many, many

years ago who are now sitting on millions, if not billions

of dollars. In fact, I only just met someone just the other day who put $20,000 into

Bitcoin. and it's now sitting at $4 million.

So these things do happen. And hey guys, just quickly, if you've

been thinking about using your self-managed super fund to invest in

Bitcoin or cryptocurrencies, but you don't know where to start or

you don't want to deal with the complexity, you need to check out CoinStash,

today's sponsor. They make it easy to set up your SMSF account so

you can access digital assets like Bitcoin on a trusted Australian

platform. I personally use their platform. It's secure, intuitive, and

fully compliant with Australian regulations. Best of all, their team

walks you through the entire account opening process step-by-step

with their same day seamless and fast onboarding experience.

They even work with a bank so you can manage your SMSF transactions

all in one place. If you wanna take control of your super and

start building your crypto portfolio properly, use the link in

the show notes to book a free call with their SMSF team. Now

back to the episode. Point I'm trying to explain to you though is that I'm

just trying to compare the timeline and the different

assets. Now you're going to say to me, OK, well,

look, that's great, Matt. It's 200%. We've all

missed the boat now. We didn't have our superannuation allocated to

Bitcoin, unfortunately. But we're not going to do it now

because it's still too risky, or it's too high, or

it's a scam, or it's a Ponzi scheme. Now,

I hear you. Let's just say, though, that you

don't do what I've done, which is convert all of your superannuation to

Bitcoin. And I'm not saying that you should do that, OK? I'm

just giving you the options of perhaps you might consider it.

So let's just say you've got four hundred five hundred

or even two hundred thousand dollars of superannuation and perhaps now

you might want to consider allocating some of that into

Bitcoin because I think the risk right now is The

risk is having no exposure to Bitcoin right rather than

having exposure to Bitcoin Yeah, because the potential gains

are so great that you'd be nearly crazy

Not to have some of your portfolio allocated to

Bitcoin Outlooks for the future. Yeah, let's talk

about what the outlooks are. So with Bitcoin, we've

got ETFs are now here, right? ETFs are exchange traders funds. And

you could now, you could surely allocate funds

into an ETF. But I don't know if they're going to see the same returns. We're

going to have to wait and see on that. But what I can tell you, though, is that has

now attracted mainstream adoption with Bitcoin, plus

also a lot of positive regulatory frameworks, certainly in

the US and other countries. You've got Trump, who's obviously

advocated that he wants to have a Bitcoin reserve. There's

countries, other countries around the world that are allocating now to Bitcoin. And what we're

now seeing is a FOMO of

nation states. So a fear of missing out from nation states who are all now

trying to pile into Bitcoin, which will ultimately drive the price

up. But you're going to say, Matt, that's great,

but it still doesn't say what the price is going to be. Well, now. I've

done a lot of research, and I can tell

you that one of the spokespersons, you could say, one of the

Bitcoin evangelists in this space, Michael Saylor, he holds a

lot of Bitcoin. Now, he's predicting a 30% to 50% annual

compounding rate for the next 20 years. So let's just use those

rates when we're looking at over even the next 10 years,

just to compare apples with apples again, having looked at the previous 10 years. So

let's say we go on the on the safer side,

we say Bitcoin is going to see a 30%. That will

mean that your $100,000 would

now be worth in 10 years time $2.3 million.

Can I just say that the industry super funds right

now are saying that when you retire, you will need $600,000 for a single

person and about $700,000 for a couple. Now

that is considered to be what they call a comfortable lifestyle.

I don't know about you, but I don't know how long that's going to be lasting. On

top of that, you've even got people like Mark Burrows who are

saying people are going to run out of money because people are living longer.

So even if you did have, say, $700,000 as

a couple, you're going to run out of money. So Mark's

unfortunately saying you're going to have to live, sorry, you're going to have to work maybe until

you're 80 or 90 years old, because otherwise you're just not going to

have enough cash to live on in your retirement, which

is, which is quite mind-boggling. I think we've never really

come across such a situation. So the positive is you're

going to be living longer. The downside is you may have to

work longer because you're not going to have enough superannuation. So therefore,

this is why it's so important for you to take note of this. So If

you did have your $100,000 allocated to Bitcoin at the worst case

scenario, let's say of 30%, you're going to have $2.3 million. So

therefore, you'd be well and truly above what the

industry standard is right now of even

$600,000 or $700,000. And therefore, you actually could probably retire and not work until

you're 80 or 90 years old. Let me just throw in another number

for shits and giggles and say, let's say I did a 50% compound.

And keep in mind, the last 10 years has been 200% average.

Let's say it's 50% average. That would then take you up to a $15 million

retirement in just the next 10 years, right? Now,

if you're like me, I've got another really 20 years of work until

I get to my mid-60s. So let's just say I compounded that

Bitcoin for another 20 years at 50%, that

would take me up to $2 million. So that's

just $100,000. That's all it is, not every single cent. Now, I've

got a lot more than that. So I just want to add some other numbers in

there. Let's say you actually put $200,000 into Bitcoin of your super. That would take you up

to $38 billion in 20 years at 50%. So as you can see here, the numbers, no matter which way you

slice it, it's

going to be very positive for you when

you're thinking about retirement. And now, unlike what Mark's

saying, you're gonna have to retire at 80 or 90, you could now actually look at retiring much

sooner, if definitely by 65, if you've got another

20 years. Let's go and have a look. So let's talk about some, what are the other things

though that you could invest in and what the outlook is for those, right?

So the property, where you could invest your

superannuation into property. It's slow, but it is what

I would consider stable. But it's not going to, I guess,

10x what Bitcoin is going to do in the same amount of time

frame, right? You're also going to have the issue of ongoing maintenance

and fees with property. I can tell you as someone who does

hold some property, you're going to potentially pay land tax if

you're holding it in a in a body in a body corp structure, you're

going to take body corp fees, there's gonna be rates. So what's going to happen is

as you're super, as you get your superannuation, it's going to

also have to leak out in ongoing maintenance and

taxes. Okay, and that's just the reality. Compared to Bitcoin, there's

no ongoing fees, there's no tenants, there's no

repairs, etc, etc. So you have to think about that. The

other thing you can invest it in, of course, is shares. Traditionally, I

guess, yes, they are considered safe, but completely saturated. And

benefit, of course, with shares is that they don't need ongoing maintenance much

like Bitcoin. Now, let me circle back to Bitcoin.

Bitcoin, the benefit with Bitcoin is it has a

limited supply and it has increasing demand. That's

really all you have to think about. If you really want to go a

little bit deeper, consider it like, digital gold. It's

a place for you to store your capital and watch it compound and

grow over time. It doesn't require watering. It

doesn't require ongoing taxes, much like property.

And so that's why I think a lot of people now are realizing the

benefits of putting their money into Bitcoin, only

because they're kind of forced to. They're

forced to. They don't want to work until they're 90. And that's pretty

much the reason. So you can see younger Aussies, and

as I've just said to you before, with the report from the

ATO, so many more people now are creating SMSFs.

Now, if this is of something of interest to you, I do have a free

guide that's in my community. All you have to do is find the link around the video somewhere.

I'll show you exactly how to set up an SMSF. Keep

in mind, I'm not an accountant. I'm not a financial advisor. I'm just someone

who's got millions of dollars invested in Bitcoin and

all my supers in Bitcoin. So I'm just telling you this from my own

personal experience. And I'm just happy to share with you the steps that I took

in order to grow my wealth into the future. So as

the ATO has already reported, there are so many more

Australians that are now coming into SMSFs, taking control their

own financial future because they've realized now that leaving it

in the industry super fund is Basically a complete waste

of time because they don't want to have to be working until

they get to 80 or 90 That's just the facts with

Bitcoin. It's an asymmetrical Exposure,

right? It's an asymmetrical asset. It's an asymmetrical bet,

right? Which is basically, there's more upside than

there is risk when it comes to Bitcoin. And if you think about some

of the things I said before, you may not need to have all

of your superannuation, right? If you don't have a complete 100% conviction

like I do in the Bitcoin asset, You

can't afford not to have some exposure though. So maybe of

your entire super fund, you slice off a portion of

it, you create your self-managed super fund, you buy Bitcoin, now

you have exposure. Because what you can basically guarantee

is that your industry super fund is not going to

provide you the retirement that you want, right? That's guaranteed. What

are you going to do about it? Bitcoin, in my opinion, is

the answer. Now, if you want to know more about some of the stuff that I'm doing, I'm

just sharing this with you from my own personal experience,

right? As someone who's got multiple seven figures in Bitcoin, who's got all my

super in Bitcoin, I want you to simply

to have the same future opportunities that I've got,

right? So if you want to learn how to do that, you can find the link around

in my description somewhere. And all I do is I show

you the steps of how I did it. I'm not a financial advisor.

I'm not an accountant. But I certainly want to see you succeed into the future and

not work until you're 80 or 90. I mean, that's a joke, right?

All right. Look forward to seeing you then. Thanks for joining me. Take care. Thanks for

tuning in to Crypto Collective. If you've enjoyed this episode, the best

way to show your support is to leave a five star review on Apple

podcast or Spotify and make sure to subscribe to the YouTube

channel so you don't miss an episode. You can also find more of

me at I'm Matthew Fraser on all