Any asset in Auravest — shares, property, term deposits, crypto — can be tagged as held inside a Self-Managed Super Fund. The tag is used to separate personal wealth from preserved super wealth across the platform.
How to tag an asset
When adding or editing any asset, tick the Held in SMSF checkbox under the asset details. Save.
Why it matters
Mixing SMSF and personal assets in one total can be misleading in three ways:
- Liquidity. A $1.5M total looks different if $1.2M is locked in super until preservation age. SMSF tagging gives you a "personal accessible" view alongside the total.
- Tax. SMSF earnings are taxed concessionally — 15% in accumulation phase, 0% in pension phase. If an asset is mis-tagged, the AI assistant will estimate CGT at your personal marginal rate, which is wrong.
- Allocation. SMSFs have a legal obligation under the ATO's investment strategy rules to maintain documented diversification. Filtering the portfolio view to SMSF-only lets you check this.
Pension vs accumulation
Auravest does not currently distinguish between accumulation and pension phases — both are treated as concessionally-taxed for AI estimates. If your fund is in pension phase and you want precise after-tax modelling, override the AI's tax assumptions in the prompt, or speak to your SMSF accountant.