With the residential borrowing ban now in force, SMSF members across Australia are reassessing their investment strategy. Here is a ranked guide to the best SMSF investments available in 2026.

1. Commercial Property (via LRBA) — Best for Growth-Focused SMSFs

Commercial property with borrowing remains the most powerful wealth-building asset available to SMSFs in 2026. Warehouses and industrial assets, medical and healthcare facilities, childcare centres, and office properties in supply-constrained markets are the strongest performers. Borrowing is still available, yields are higher than residential, and SMSF demand is surging post-ban, creating a window for early movers.

2. Australian Shares — Best for Income and Liquidity

High-dividend Australian shares with franking credits are the most tax-efficient liquid investment inside super. Banks, infrastructure companies, utilities and resource stocks provide strong, sustainable income streams. Fully liquid and no management burden.

3. Listed A-REITs — Best for Property Exposure Without Ownership

ASX-listed Real Estate Investment Trusts give SMSFs exposure to diversified property portfolios with same-day liquidity. A-REITs covering industrial/logistics, healthcare, retail and diversified commercial assets provide income distributions and capital growth with no tenant management required.

4. International Shares and ETFs — Best for Diversification

Global equity ETFs — particularly US technology, global infrastructure and international healthcare — provide diversification outside the Australian market. Currency exposure is a consideration but also a potential return driver.

5. Fixed Income and Term Deposits — Best for Capital Preservation

For SMSFs in or approaching pension phase, term deposits and government bonds provide capital-secure returns. With rates still elevated in 2026, term deposits are offering returns that make them a viable allocation for conservative members.

6. Unlisted Property Trusts — Best for Commercial Property Access at Lower Entry Points

Property syndicates and unlisted trusts allow SMSFs to access larger commercial assets at lower entry points than direct ownership. Returns and liquidity vary — due diligence on the trust structure, underlying assets and exit provisions is essential.

GeeVee Verdict

The optimal SMSF portfolio in 2026 for a growth-focused, accumulation-phase fund: 50-60% commercial property (direct or LRBA), 20-30% Australian shares and A-REITs, 10-20% international ETFs, and a small cash buffer. This structure maximises the tax advantages of super while maintaining adequate liquidity.

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