Combine & Conquer

Over the past 18 months, the way we work, spend, save, and invest has dramatically changed. One area with a significant shift has been the rise in SMSFs, with couples saying goodbye to traditional super funds for good. 

In fact, 69.2%* of self-managed super funds are held by two members who’ve combined their super to share the benefits and financial rewards of an SMSF. 

So, what are the benefits of combining your super with a partner? Let’s take a closer look. 

Fewer fees

If you haven’t checked your superannuation fees lately, chances are you’re paying more than you think.

A significant advantage of combining your super with a partner, spouse or family member is that instead of paying two sets of super fund fees, you’re only paying one. By joining focuses, you share the cost of an SMSF across a larger pool of money. 

For example, if you have $100,000 in super, your total annual cost with StakeSMSF would be 1.085%`. If you add a second member who has $50,000 in super, making your total SMSF balance $150,000, your annual fees drop to 0.723%.

By comparison, according to Rice Warner^, the midpoint fee for two members, each with industry super fund accounts and a combined balance of $150,000, is $1,746 per year or 1.164%.

Freedom of choice

With direct access to investments not available to members of larger superannuation funds, including private equity, precious metals, cryptocurrency, and direct property, an SMSF provides Australians with the freedom to choose assets that suit them.

Importantly, there are no limitations or percentage-based restrictions with an SMSF, meaning you can invest your super without having to compromise on your returns. 

Future thinking

With the rise of investing and taking control of your money growing by the day, young Australian investors are no longer looking at superannuation as a simple tax or ‘money for later. 

As of June 2021, more than 25,000 new SMSFs were established. That’s a jump of 17% from the previous year and shows that more Australians demand the control, transparency and investment choice of an SMSF to grow their wealth.

By establishing an SMSF with a second person, you gain greater flexibility and have a better chance of controlling your returns for retirement. 

Power up your super with StakeSMSF

Hundreds of Stake customers are already using StakeSMSF to power their retirement returns. 

With StakeSMSF, you can unlock the power to invest in 6,000+ US stocks & ETFs, ASX (coming soon), cryptocurrency, art & collectables, property and more. 


At Stake, we’re focused on giving you a better investing experience but we don’t take into account your personal objectives, circumstances or financial needs. Any advice is of a general nature only.

Please be aware that when investing, all your capital is at risk. As investments carry risk, before making any investment decision, please consider if it’s right for you and seek appropriate taxation and legal advice. Please view our Financial Services Guide before deciding to use or invest on Stake.

*ATO Infographic: SMSF Annual Statistics 2019

`StakeSMSF annual fee of $770. Fees don’t include the $259 SMSF Levy and $56 ASIC annual fee.
^Rice Warner Cost of Operating SMSFs 2020, Table 29

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