SMSFs Can Invest in Cryptocurrency with Strict Conditions

Self-managed super funds (SMSFs) in Australia can invest in cryptocurrency assets, but only if the fund's trust deed explicitly permits it and the investment strategy addresses any risks and compliance requirements.

According to CMC Markets, over $3 billion in crypto assets are held across Australian SMSFs as of December 2025, indicating a growing trend of incorporating cryptocurrencies into long-term retirement strategies.

The ability to hold cryptocurrency is not automatic and requires two strict conditions: the trust deed must specifically allow investments in crypto assets, and the investment strategy must explain why cryptocurrency fits the fund's risk profile and retirement objectives.

Before investing in cryptocurrency under SMSF, trustees should consider several risks and potential downsides, including price volatility, regulatory and compliance burden, security risks, liquidity, and investment strategy.

CMC Invest offers eligible SMSF trustees a way to invest in cryptocurrency through their self-managed super fund, providing access to a range of crypto assets and traditional investments from one platform.