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SMSF

Gold & Super

Build a resilient and diversified super portfolio with precious metals.

Incorporating Precious Metals Into Your Super

Precious metals—particularly gold and silver—have long supported portfolio diversification and long-term wealth, helping reduce overall volatility and risk. This makes them especially relevant for Australian superannuation and SMSF investors.

They combine strong long-term returns (with gold and silver delivering around 11% and 9% per annum respectively over the past 20 years) with resilience in periods of low real interest rates and high inflation, where gold has historically risen sharply and silver often outperforms. Highly liquid and globally traded, they are easy to buy and sell.

These attributes have driven growing SMSF investment since the early 2000s, as investors seek to balance portfolios often exposed to equities, property, and fixed income—while cash delivers limited real returns after inflation. Demand has been further supported by post-GFC and post-pandemic conditions, rising debt levels, persistent inflation, and ongoing geopolitical tensions, all reinforcing the role of precious metals as a safe haven.

These factors are explored in detail in our ABC Bullion SMSF Investment Guide.

Precious Metals vs Super Funds

Physical gold and silver have been among the strongest-performing assets of the modern era, outperforming most major asset classes since the turn of the century. Both have also exceeded the performance of many traditional superannuation funds.

This is illustrated in the table below, which compares the performance of gold and silver (priced in Australian dollars) with a range of superannuation strategies—from conservative to high-growth—across multiple time periods to December 2025.

Gold & Silver vs Diversified Superannuation Funds – Multiple time periods to 31st December 2025

Asset3 Year5 Year7 Year10 Year15 Year
Gold (AUD)34.121.319.816.110.8
Silver (AUD)44.425.425.318.98.8
All Growth13.49.910.39.09.2
High Growth12.19.19.99.19.2
Growth10.37.78.17.77.8
Balanced8.36.16.56.26.6
Conservative6.54.34.64.65.3

ABC Bullion, LBMA, RBA, Chant West

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.

Adding Gold to Your Super

To invest in precious metals through superannuation with ABC Bullion, you must first have an SMSF established. You can then open an account in your SMSF’s name by signing up for a trading account and selecting SMSF during the process.

You may be required to provide supporting documents such as photo ID, trust deeds, and (if applicable) an ACN—ABC Bullion supports both individual and corporate trustee structures. Once your account is active, all transactions and documentation are issued in the SMSF’s name, simplifying annual reporting and audits.

Frequently Asked Questions

ABC Bullion has provided bullion investment solutions for over two decades and today supports thousands of SMSF trustees investing in gold, silver, and platinum. Below, we address some of the most common questions from trustees and those considering bullion within an SMSF.

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SMSF & Gold Investment Guide | ABC Bullion