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SMSF and Precious Metals

Incorporating precious metals into a Self-Managed Super Fund.

ABC Bullion has supported SMSF trustees for over 20 years, during which time more investors have incorporated precious metals into their portfolios as part of long-term retirement strategies. Today, with over $1 trillion managed through SMSFs, many trustees allocate 10–20% to gold and silver, contributing to portfolio growth and diversification thanks to gold’s long-term annualised returns of more than 10% and silver’s strong performance.

Precious Metals for SMSF Trustees

Precious metals have historically offered diversification, liquidity, and inflation protection, making them a valuable complement to traditional assets. In today’s low to negative real interest rate environment, gold and silver also provide an attractive alternative to cash and term deposits.

ABC Bullion is proud to support the Australian SMSF community with market-leading investment solutions and services, including:

  • A dedicated Wholesale and VIP Sales Team for SMSF clients

  • Our annual SMSF Trustee Investment Guide, covering the benefits of gold and silver and account setup

  • Research reports and annual infographics on gold, silver, and platinum

  • Tailored investment solutions, including the Gold Saver and Gold Decumulation Plan (GDP), enabling investors to generate regular cashflow from precious metals

Learn More

Explore ABC Bullions precious metals investment guides, tailored toward SMSF Trustees.

Speak to a Specialist

To find out more or book a consultation, contact one of ABC Bullion's SMSF specialists:

Dominic Cantarella

Head of Sales and Client Operations

Email Dom

Dominic Cantarella

Eoin Sweeney

Wholesale and VIP Sales Manager

Email Eoin

Eoin Sweeney

Chris Hanna

Wholesale & VIP Sales Executive

Email Chris

Chris Hanna

Luke Tyler

Senior Analyst

Email Luke

Luke Tyler

Investment Returns: Gold & Silver vs Other Asset Classes

The table compares the performance of major asset classes—including gold, silver, and diversified super portfolios—across multiple time horizons to December 2025. It shows that gold and silver have delivered consistently strong returns over the short, medium, and long term, significantly outperforming cash over the past 30 years. Low real returns on cash, particularly after inflation, have been a key driver of investor interest in precious metals for growth and retirement income.

Annualised Investment Returns (%) - Gold and Silver in AUD vs Other Asset Classes (Jan 1971 to Dec 2025)

Asset3 Years5 Years10 Years20 Years25 YearsSince 1971
Gold (AUD)34.121.316.111.710.810.0
Silver (AUD)44.425.418.911.510.88.1
Superannuation (Growth)10.37.77.76.66.79.8
U.S. Shares23.717.815.811.58.012.2
Australian Shares11.79.79.57.68.610.3
International Shares22/115.613.29.16.410.5
Australian Listed Property15.08.87.95.07.1N/A
Australian Bonds3.7-0.42.04.14.57.4
Cash4.13.42.43.53.97.4
CPI3.44.32.92.82.85.0
Average17.311.49.67.36.99.1

LBMA, RBA, Chant West, Australian Bureau of Statistics, Bloomberg Finance L.P., Melbourne Institute of Applied Economic & Social Research, MSCI Inc., S&P Dow Jones Indices LLC., WM Reuters.

Notes: 1. Per annum total returns to 31 December 2025. 2. LBMA monthly price data, RBA AUDUSD price data, ABC Bullion Calculations. 3. Chant West Superannuation Growth Fund Returns. 4. S&P 500 Total Return Index (in AUD). 5. S&P/ASX All Ordinaries Total Return Index. 6. MSCI World ex-Australia Net Total Return Index AUD Index. 7. S&P/ASX 200 A-REIT Total Return Index. 8. Bloomberg AusBond Composite 0+ Yr Index. 9. Bloomberg AusBond Bank Bill Index. 10. ABS Consumer Price Index. 11. Proxied returns using Vanguard Historical Return Data (assuming 70% Australian Shares, 20% Australian Bonds and 10% Cash asset allocation).

Disclaimer: Note these calculations are based on metal prices only, and do not take into account trading costs and/or associated taxes that may be involved. Past performance is no guarantee of future results. ABC Bullion does not offer financial or tax advice.

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