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Unless you’re a millionaire, is a SMSF worth it for you? There has been a lot of talk in the media recently, driven largely by the uncovering’s of the Royal Commission as well as the Productivity Commission findings, surrounding the appropriateness of Self-Managed Funds. Do you need $1m in super to have an SMSF? If you believe the Productivity Commission recommendations, then yes. But that would also have you believe that the data they used as part of their findings is consistent across sectors. SMSF data, provided by the ATO, included items such as contributions tax and insurance in its net earnings figures, while APRA data did not. If there is to be an accurate comparison acros