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Annual SMSF population analysis tables

Last updated 15 December 2015

The following tables contain demographic information of SMSFs, as well as individual members, as at 30 June 2015. They also include a more detailed analysis of asset allocation of SMSFs, as well as estimates of the total amount of ‘flows’ into and out of SMSFs. These tables are updated on an annual basis, when the June quarter updates are published.

To view figures from before 2011, refer to:

Asset allocation by asset value of the fund table

This table contains the approximate distribution of assets held by SMSFs of different size, based on total fund assets. These tables are based on actual return data for the 2011 through to 2014 financial years.

The data provided by SMSFs reporting their financial position as at 30 June of the relevant financial year.

The data was extracted on 8 July 2015.

Asset value ranges of funds

2011

$1-
$50k

>$50-
$100k

>$100-
$200k

>$200-
$500k

>$500k
-$1m

>$1-
$2m

>$2-
$5m

>$5-
$10m

>$10m

Listed
trusts

1.89%

2.82%

3.93%

4.63%

4.74%

4.23%

3.89%

3.79%

2.55%

Unlisted
trusts

2.52%

4.32%

5.99%

7.05%

7.44%

8.32%

9.68%

12.11%

15.85%

Insurance
policy

0.06%

0.10%

0.06%

0.05%

0.04%

0.04%

0.05%

0.03%

0.00%

Other
managed
investments

2.17%

3.22%

4.32%

5.06%

5.20%

4.88%

4.60%

4.70%

4.29%

Cash
and term
deposits

54.61%

46.76%

40.54%

33.05%

30.61%

29.24%

26.76%

23.30%

20.76%

Debt
securities

0.17%

0.24%

0.28%

0.41%

0.61%

0.71%

0.73%

0.77%

1.01%

Loans

2.31%

2.22%

1.47%

0.79%

0.53%

0.60%

0.60%

0.89%

1.65%

Listed
shares

22.93%

27.41%

29.61%

30.63%

30.93%

31.18%

31.17%

31.38%

31.19%

Unlisted
shares

1.94%

2.17%

1.71%

1.06%

0.86%

0.94%

1.17%

1.57%

2.32%

Derivatives
and
instalment
warrants

0.17%

0.27%

0.44%

0.55%

0.38%

0.25%

0.25%

0.35%

0.81%

Non
residential 
real property

0.69%

1.84%

3.84%

7.68%

10.28%

11.96%

13.75%

14.06%

11.75%

Residential
real property

0.40%

0.87%

1.81%

4.58%

4.68%

4.01%

3.42%

2.39%

1.51%

Artwork,
collectibles,
metal
or jewels

1.03%

0.99%

0.72%

0.33%

0.19%

0.16%

0.13%

0.11%

0.09%

Other
assets

8.01%

5.58%

4.33%

3.29%

2.83%

2.77%

2.97%

3.37%

4.07%

Overseas
shares

0.37%

0.34%

0.30%

0.26%

0.22%

0.23%

0.31%

0.49%

1.14%

Overseas
non-
residential
real property

0.06%

0.06%

0.04%

0.03%

0.02%

0.02%

0.02%

0.03%

0.04%

Overseas residential real property

0.12%

0.16%

0.12%

0.07%

0.04%

0.03%

0.02%

0.02%

0.01%

Overseas
managed
investments

0.08%

0.06%

0.07%

0.06%

0.06%

0.07%

0.08%

0.11%

0.13%

Other
overseas
assets

0.48%

0.58%

0.45%

0.40%

0.35%

0.36%

0.39%

0.53%

0.84%

Total

100%

100%

100%

100%

100%

100%

100%

100%

100%

Asset value ranges of funds

2012

$1-
$50k

>$50-
$100k

>$100-
$200k

>$200-
$500k

>$500k
-$1m

>$1-
$2m

>$2-
$5m

>$5-
$10m

>$10m

Listed
trusts

1.80%

2.41%

3.22%

3.79%

3.85%

3.51%

3.30%

3.06%

2.35%

Unlisted
trusts

2.44%

4.00%

5.67%

6.58%

6.94%

7.89%

9.46%

12.55%

15.66%

Insurance
policy

0.04%

0.06%

0.03%

0.03%

0.03%

0.04%

0.05%

0.05%

0.01%

Other
managed
investments

1.94%

2.70%

3.72%

4.39%

4.51%

4.38%

4.19%

4.23%

3.67%

Cash
and term
deposits

55.03%

49.77%

45.41%

37.21%

34.68%

33.15%

29.99%

25.95%

22.97%

Debt
securities

0.16%

0.22%

0.32%

0.55%

0.76%

0.84%

0.93%

1.08%

1.14%

Loans

1.99%

2.01%

1.40%

0.79%

0.54%

0.60%

0.63%

0.98%

1.75%

Listed
shares

22.51%

25.39%

26.65%

27.52%

27.79%

27.99%

27.95%

27.92%

27.09%

Unlisted
shares

1.91%

2.19%

1.70%

1.11%

0.94%

0.96%

1.19%

1.65%

2.53%

Limited recourse borrowing arrangements

0.05%

0.16%

0.36%

0.87%

0.69%

0.49%

0.40%

0.58%

1.29%

Non
residential
real property

0.69%

1.72%

3.63%

8.09%

10.83%

12.66%

14.74%

15.37%

13.82%

Residential
real property

0.45%

1.00%

1.80%

4.83%

5.03%

4.16%

3.52%

2.38%

1.64%

Collectables and personal use assets

0.68%

0.64%

0.47%

0.21%

0.14%

0.12%

0.08%

0.09%

0.10%

Other
assets

9.28%

6.44%

4.61%

3.24%

2.59%

2.51%

2.74%

3.03%

3.88%

Overseas
shares

0.39%

0.36%

0.34%

0.28%

0.23%

0.24%

0.33%

0.52%

1.10%

Overseas
non-
residential
real property

0.06%

0.06%

0.04%

0.02%

0.02%

0.02%

0.02%

0.03%

0.04%

Overseas residential real property

0.12%

0.23%

0.14%

0.08%

0.05%

0.04%

0.02%

0.02%

0.02%

Overseas
managed
investments

0.05%

0.07%

0.05%

0.05%

0.05%

0.07%

0.07%

0.10%

0.15%

Other
overseas
assets

0.41%

0.57%

0.43%

0.35%

0.32%

0.34%

0.38%

0.42%

0.79%

Total

100%

100%

100%

100%

100%

100%

100%

100%

100%

Asset value ranges of funds

2013

$1-
$50k

>$50-
$100k

>$100-
$200k

>$200-
$500k

>$500k
-$1m

>$1-
$2m

>$2-
$5m

>$5-
$10m

>$10m

Listed
trusts

1.63%

2.08%

2.75%

3.65%

3.99%

3.83%

3.44%

3.13%

2.33%

Unlisted
trusts

2.28%

3.97%

5.41%

6.12%

6.69%

7.76%

9.31%

11.99%

16.03%

Insurance
policy

0.02%

0.04%

0.03%

0.03%

0.03%

0.05%

0.04%

0.04%

0.01%

Other
managed
investments

1.30%

2.20%

3.02%

4.12%

4.48%

4.64%

4.54%

4.48%

4.45%

Cash
and term
deposits

55.41%

51.34%

48.84%

37.17%

33.16%

31.21%

27.84%

24.04%

20.00%

Debt
securities

0.13%

0.18%

0.29%

0.51%

0.76%

0.96%

1.08%

1.29%

1.56%

Loans

1.79%

2.02%

1.43%

0.74%

0.53%

0.55%

0.60%

0.84%

1.71%

Listed
shares

21.70%

23.40%

24.14%

26.38%

28.21%

29.88%

30.74%

31.03%

28.75%

Unlisted
shares

1.93%

2.24%

1.68%

1.03%

0.84%

0.86%

1.01%

1.44%

2.35%

Limited recourse borrowing arrangements

0.12%

0.31%

0.68%

3.32%

2.77%

1.48%

1.13%

1.38%

3.11%

Non
residential
real property

0.88%

1.71%

3.68%

8.13%

10.31%

11.74%

13.56%

13.86%

12.48%

Residential
real property

0.70%

1.21%

1.88%

4.78%

4.96%

3.88%

3.26%

2.28%

1.59%

Collectables and personal use assets

0.55%

0.69%

0.41%

0.19%

0.12%

0.08%

0.07%

0.07%

0.05%

Other
assets

10.49%

7.20%

4.68%

2.99%

2.44%

2.34%

2.46%

2.80%

3.44%

Overseas
shares

0.44%

0.42%

0.35%

0.31%

0.27%

0.29%

0.39%

0.61%

1.13%

Overseas
non-
residential
real property

0.04%

0.09%

0.04%

0.03%

0.01%

0.01%

0.02%

0.02%

0.09%

Overseas residential real property

0.11%

0.26%

0.23%

0.10%

0.05%

0.04%

0.02%

0.01%

0.02%

Overseas
managed
investments

0.03%

0.05%

0.05%

0.04%

0.05%

0.07%

0.08%

0.14%

0.19%

Other
overseas
assets

0.46%

0.57%

0.42%

0.35%

0.31%

0.34%

0.41%

0.54%

0.74%

Total

100%

100%

100%

100%

100%

100%

100%

100%

100%

Asset value ranges of funds

2014

$1-
$50k

>$50-
$100k

>$100-
$200k

>$200-
$500k

>$500k
-$1m

>$1-
$2m

>$2-
$5m

>$5-
$10m

>$10m

Listed
trusts

1.61%

2.02%

2.58%

3.72%

4.13%

4.21%

3.96%

3.64%

2.69%

Unlisted
trusts

2.22%

4.00%

5.44%

6.00%

6.65%

7.72%

9.05%

11.37%

14.62%

Insurance
policy

0.01%

0.03%

0.03%

0.02%

0.02%

0.04%

0.04%

0.03%

0.01%

Other
managed
investments

1.24%

1.89%

2.76%

4.00%

4.62%

4.86%

4.87%

4.89%

4.72%

Cash
and term
deposits

56.52%

52.33%

49.23%

35.61%

31.03%

29.06%

25.66%

21.70%

16.79%

Debt
securities

0.12%

0.18%

0.29%

0.57%

0.87%

1.13%

1.36%

1.58%

1.85%

Loans

1.44%

1.67%

1.21%

0.58%

0.43%

0.46%

0.51%

0.78%

1.74%

Listed
shares

20.61%

22.50%

23.93%

26.52%

29.21%

32.05%

33.50%

34.34%

33.20%

Unlisted
shares

1.95%

2.21%

1.73%

0.93%

0.69%

0.71%

0.92%

1.27%

2.26%

Limited recourse borrowing arrangements

0.35%

0.77%

1.25%

5.36%

4.47%

2.25%

1.59%

1.91%

4.03%

Non
residential
real property

0.99%

1.85%

3.60%

7.95%

9.69%

10.68%

12.14%

12.37%

11.15%

Residential
real property

1.18%

1.53%

2.05%

5.02%

5.18%

3.87%

3.14%

2.29%

1.31%

Collectables and personal use assets

0.59%

0.49%

0.33%

0.14%

0.08%

0.06%

0.05%

0.05%

0.04%

Other
assets

10.07%

7.19%

4.57%

2.86%

2.32%

2.26%

2.40%

2.66%

3.48%

Overseas
shares

0.35%

0.31%

0.27%

0.21%

0.18%

0.20%

0.31%

0.44%

0.87%

Overseas
non-
residential
real property

0.08%

0.05%

0.05%

0.02%

0.02%

0.01%

0.01%

0.03%

0.07%

Overseas residential real property

0.19%

0.26%

0.23%

0.10%

0.05%

0.04%

0.02%

0.02%

0.01%

Overseas
managed
investments

0.06%

0.06%

0.04%

0.05%

0.06%

0.06%

0.08%

0.14%

0.28%

Other
overseas
assets

0.41%

0.67%

0.42%

0.33%

0.30%

0.33%

0.40%

0.50%

0.89%

Total

100%

100%

100%

100%

100%

100%

100%

100%

100%

Membership sizes table

This table contains an approximate distribution of the number of members in SMSFs as at the end of each financial year for the 2011 through to the 2014 years. These figures are based on SMSF annual return data.

The data was extracted on 8 July 2015.

Proportion of funds (%)

Number of members

2010–11

2011–12

2012–13

2013–14

1

22.8%

22.8%

22.6%

22.6%

2

68.5%

68.9%

69.3%

69.7%

3

4.2%

4.1%

4.0%

3.7%

4

4.4%

4.3%

4.2%

4.0%

Demographic table

This table contains estimates of the proportion of funds, members and assets located across the different states and territories of Australia.

'State' refers to the state or territory that the fund is administered, not necessarily where the members live.

These figures are estimates based on SMSF annual return data for the 2011 to 2014 financial years.

The data was extracted on 8 July 2015.

Funds

 State

2010–11

2011–12

2012–13

2013–14

ACT

1.8%

1.8%

1.8%

2.0%

NSW

31.6%

31.8%

31.9%

32.1%

NT

0.2%

0.2%

0.2%

0.2%

QLD

16.8%

16.6%

16.4%

16.5%

SA

7.1%

7.2%

7.2%

7.1%

TAS

1.4%

1.4%

1.4%

1.3%

VIC

30.4%

30.6%

30.8%

30.7%

WA

10.6%

10.4%

10.3%

10.1%

Members

 State

2010–11

2011–12

2012–13

2013–14

ACT

1.8%

1.8%

1.8%

2.0%

NSW

31.7%

31.8%

32.0%

32.2%

NT

0.2%

0.2%

0.2%

0.2%

QLD

16.9%

16.6%

16.4%

16.4%

SA

7.2%

7.2%

7.2%

7.1%

TAS

1.4%

1.4%

1.4%

1.3%

VIC

30.3%

30.6%

30.8%

30.7%

WA

10.6%

10.4%

10.3%

10.1%

Assets

 State

2010–11

2011–12

2012–13

2013–14

ACT

1.7%

1.8%

1.9%

1.9%

NSW

32.2%

32.3%

32.5%

33.1%

NT

0.2%

0.2%

0.2%

0.2%

QLD

16.6%

16.4%

16.1%

15.9%

SA

7.1%

7.2%

7.3%

7.3%

TAS

1.3%

1.3%

1.3%

1.2%

VIC

30.6%

30.8%

31.1%

30.9%

WA

10.3%

10.1%

9.7%

9.5%

Member demographic table – age ranges

This table contains an approximate age distribution of individuals who were members of SMSFs as at the end of June 2015. The data behind this table was extracted on 8 July 2015 and is an estimate based on Australian business register (ABR) data.

In the table below, '..' indicates the proportion has been rounded to zero, but is not equal to zero.

Age ranges

Male

Female

Total

<25

0.8%

0.8%

0.8%

25–34

3.4%

3.5%

3.4%

35–44

10.6%

12.0%

11.3%

45–54

20.8%

23.2%

21.9%

55–64

28.9%

30.7%

29.8%

65–74

25.1%

22.8%

24.0%

>74

10.4%

7.0%

8.8%

Unknown

..

..

..

Total

100%

100%

100%

All ages

52.7%

47.3%

100%

Member demographic table – income ranges

This table contains an approximate distribution of the taxable income of individuals who were SMSF members as at the end of June 2015. The data was extracted on 8 July 2015 and is an estimate based on ABR data and the member’s most recently lodged personal tax return.

Income ranges

Male

Female

Total

$0–$20,000

19.2%

26.0%

22.5%

>$20,000–$40,000

16.4%

21.7%

18.9%

>$40,000–$60,000

11.3%

13.9%

12.5%

>$60,000–$80,000

10.9%

11.0%

11.0%

>$80,000–$100,000

8.3%

7.1%

7.7%

>$100,000–$150,000

11.8%

7.5%

9.8%

>$150,000–$200,000

7.3%

4.6%

6.0%

>$200,000–$500,000

8.7%

3.8%

6.4%

>$500,000

2.9%

1.0%

2.0%

Unknown

3.2%

3.5%

3.3%

Total

100%

100%

100%

Total asset range table

This table shows an approximate distribution of the size of SMSFs as at the end of each financial year, in terms of total assets.

These figures are estimates based on SMSF annual return data for the 2011 to 2014 financial years.

The data was extracted on 8 July 2015.

Proportion of funds (%)

Asset ranges

2010–11

2011–12

2012–13

2013–14

$1–$50,000

7.2%

7.4%

7.2%

6.2%

>$50,000–$100,000

5.9%

6.0%

5.4%

4.4%

>$100,000–$200,000

11.5%

11.6%

10.8%

9.7%

>$200,000–$500,000

25.2%

25.5%

24.8%

24.1%

>$500,000–$1m

22.7%

22.7%

23.0%

23.8%

>$1m–$2m

16.7%

16.3%

17.2%

18.4%

>$2m–$5m

9.0%

8.7%

9.7%

10.8%

>$5m–$10m

1.6%

1.5%

1.8%

2.1%

>$10m

0.3%

0.3%

0.4%

0.5%

Total

100%

100%

100%

100%

Average and median assets table ($)

This table approximates the average and median assets per SMSF member and per SMSF at the end of each financial year.

These figures are estimates based on SMSF annual return data for the 2011 to 2014 financial years.

The data was extracted on 8 July 2015.

 Asset values

2010–11

2011–12

2012–13

2013–14

Average assets per member

486,585

476,993

513,805

564,086

Median assets per member

283,430

276,505

302,808

338,336

Average assets per SMSF

925,323

905,503

975,206

1,066,080

Median assets per SMSF

507,999

495,668

541,683

602,629

Flow of funds table ($m)

This table shows estimates of the total amount of ‘flows’ into and out of SMSFs during each financial year. It contains totals relating to the following:

  • contributions – member and employer
  • transfers – inward and outward
  • benefits payments
  • operating expenses.

Changes were made to the 2012–13 SMSF annual return to collect both deductions and non-deductible expenses. The operating expense figures for 2013 onwards incorporates deductible and non-deductible expenses data.

These figures are estimates based on SMSF annual return data for the 2011 to 2014 financial years.

The data was extracted on 8 July 2015.

 

Contributions ($m)

Transfers ($m)

Benefit payments ($m)

Operating expenses ($m)

Member contributions

Employer contributions

Inward transfers

Outward transfers

2010–11

16,842

6,978

15,579

4,180

19,198

2,418

2011–12

19,242

7,521

16,109

3,808

22,719

2,746

2012–13

18,203

5,486

16,755

4,305

25,847

4,804

2013–14

20,431

6,102

15,625

5,026

30,662

5,477

QC47587