Who This Is Not For

A Bitcoin SMSF is not for most people. This page makes that explicit.

Being clear about who should not proceed reduces bad-fit bookings, increases trust with good-fit readers, and signals confidence.

Who this is not for

If any of the following describe you, a Bitcoin SMSF is likely not appropriate:

  • Wants guarantees — performance guarantees, regulatory guarantees, tax guarantees. Bitcoin SMSFs offer none of these.
  • Hates volatility — cannot tolerate 50%+ drawdowns or multi-year recovery periods. Bitcoin is volatile by design.
  • Unwilling to self-educate — wants answers handed over rather than understanding structure and trade-offs.
  • Wants delegation without responsibility — prefers set-and-forget, cannot accept trustee obligations.
  • Short time horizon — less than 10 years until retirement. Bitcoin requires long horizons to ride out volatility.
  • Needs stable income now — cannot wait for long-term compounding, needs predictable cash flow.
  • Uncomfortable with technical complexity — key management, custody, hardware wallets feel overwhelming.
  • Expects predictions — wants performance promises, price forecasts, or certainty about outcomes.
  • Seeking reassurance over understanding — wants to feel good rather than understand trade-offs.
  • Wants personal financial advice — BitcoinSuper is education-only, not an AFSL holder, does not provide advice.
  • Very small super balance — less than $20,000, where costs may outweigh benefits even with Bitcoin's growth potential.
  • Unwilling to maintain compliance — cannot commit to annual audits, record-keeping, and ongoing responsibilities.

If you identify with multiple items above, a Bitcoin SMSF is not for you.

That's fine. Most people should stick with managed super. This site is not trying to convert everyone — it's trying to serve the right people well.

What to do instead

If a Bitcoin SMSF is not for you, that's valuable clarity.

Stick with managed super: For most people, a well-managed industry or retail super fund is the right choice. It offers professional management, diversification, and regulatory oversight without the complexity and responsibility of an SMSF.

Consider a traditional SMSF: If you want more control but prefer traditional assets, a traditional SMSF (stocks, property, cash) may be appropriate. It still requires trustee responsibilities but avoids Bitcoin's volatility and technical complexity.

Focus on what you can control: Contribution rates, investment options within managed super, and understanding your current fund's strategy and fees.

If you're not sure

Use the decision tree to assess structural fit before proceeding.

The Decision Tree walks through key questions: time horizon, risk tolerance, willingness to self-custody, and acceptance of rule change risk. It helps you determine if a Bitcoin SMSF is structurally appropriate for your situation.

Use Decision Tree → Return to Start Here →

Educational information only. BitcoinSuper does not provide financial advice. See full disclaimers →