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Managing SMSF Cash?

Comparing Options for Your SMSF Cash Holdings.

For SMSF trustees with $50,000+ in cash to allocate, Deposit Desk can connect you with participating providers offering fixed income opportunities from 6% p.a.

Australians added $21.5B to deposits last quarter. Before you lock SMSF cash away, compare what else may be available. Source: ABS March 2026

  • Alternatives to traditional term deposits
  • Designed for amounts of $50,000+
  • No cost to enquire
  • Confidential and obligation-free
  • Specialist fixed income providers
  • Quick, simple enquiry process

How much SMSF cash are you looking to allocate?

I consent to Deposit Desk sharing my details with a participating provider who may contact me about term deposit alternatives.

Free to enquire. No obligation. Takes less than 30 seconds.

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What happens after you enquire?

Tell us roughly how much SMSF cash you are looking to allocate. Deposit Desk may then introduce you to a participating provider who can explain available fixed income options, rates, terms and risks. You decide whether to proceed. There is no obligation.

Frequently Asked Questions

The following frequently asked questions are educational and based on publicly available information:

SMSFs can generally invest in a range of assets, provided the investment aligns with the fund’s investment strategy, trust deed and superannuation law, including the sole purpose test. You should confirm any investment with your SMSF adviser or accountant before proceeding.
Trustees are responsible for ensuring investments align with the fund’s documented investment strategy. This is general information only, not SMSF advice – speak with your SMSF professional about your specific fund.
This varies by provider. Some participating providers consider amounts from $50,000, while others may have different minimums.
Once deposited with an authorised institution, SMSF funds are generally treated the same as other deposits for protection purposes, such as under the Financial Claims Scheme, subject to applicable limits.
This depends on your fund’s investment strategy and the providers involved. Many trustees do diversify SMSF cash across more than one institution or product.
It is generally good practice to involve your SMSF accountant or adviser before making any investment decision on behalf of the fund.
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