SMSF Bullion | Investing in Gold & Silver with your SMSF

Yes. The ATO allows SMSFs to hold physical precious metals if certain conditions are met. These include ownership by the fund, secure and compliant storage, and alignment with the fund’s investment strategy.

SMSF trustees should ensure their bullion purchases are made in the fund’s name and meet ATO requirements for arm’s-length management.

For more information, visit the ATO SMSF Investing Guidelines.

To remain compliant, SMSF bullion must meet strict ATO standards:

• Investment-grade purity: Gold must be 99.5% pure or higher, and silver at least 99.9%.
• Arm’s-length storage: Metals must be stored independently, not at the trustee’s home.
• Detailed record-keeping: Documentation must support fund ownership and valuation for audits.

Bulk Bullion provides compliant invoices, valuation reports, and secure ATO-approved storage solutions to simplify SMSF administration and maintain transparency.

Gold and silver provide long-term stability and diversification within a self-managed super fund. These assets are recognised for their ability to preserve value during market volatility and inflationary periods.

By holding physical bullion, SMSF trustees maintain control of a tangible investment that complements traditional asset classes such as equities and property.

Investing through your SMSF is straightforward:

1. Review your deed and investment strategy to ensure bullion investments are permitted.
2. Open an SMSF account with Bulk Bullion in the fund’s name.
3. Purchase your metals directly through Bulk Bullion, ensuring invoices reflect the SMSF entity.
4. Choose your storage option using our ATO-compliant, insured vaulting service.
5. Maintain audit-ready records for your annual reporting.

Our specialists can assist with setup and documentation. Contact us for guidance.

All SMSF metals must be securely stored, separate from trustees and personal assets. Bulk Bullion’s professional vaulting service provides secure, insured, and fully ATO-compliant storage.

Our facilities meet audit and reporting requirements, with documentation provided annually to support fund compliance.

Learn more about our bullion storage options.

SMSFs can invest in investment-grade gold and silver bullion bars or coins from recognised refiners. Eligible assets include those meeting minimum purity standards set by the ATO.

Collectible or numismatic coins generally do not qualify, as they fall outside the definition of investment-grade bullion.

• SMSFs can legally invest in physical bullion under ATO guidelines.
• Metals must be owned by the fund, not the trustee.
• Storage must be secure, independent, and fully insured.
• All purchases must include compliant documentation and audit records.

Bulk Bullion ensures every step, from purchase to storage, meets the necessary standards for compliance and peace of mind.

Yes. The ATO permits SMSFs to invest in physical gold bullion, provided it is investment-grade, owned by the fund, and stored securely in accordance with regulations.

It must be held in a secure, independent facility that complies with ATO and audit standards. Home storage is not permitted.

Gold must be at least 99.5% pure, and silver must be 99.9% or higher to qualify as investment-grade bullion.

Yes. Silver bullion is an approved investment when purchased and stored under the same rules as gold.