There’s a quiet revolution happening in superannuation and it’s all pointing to Self-Managed Super Funds (SMSFs).

According to the latest Roy Morgan Superannuation Satisfaction Report, SMSFs once again came out on top, with a massive 77.7% satisfaction rating — the highest across all fund types. That means more than three-quarters of SMSF members are genuinely happy with their retirement setup. And to me, that speaks volumes.

Compare that to the rest of the pack:

• Industry funds scored 69.5%

• Retail funds came in at 69.3% (even after their biggest jump in satisfaction)

• Public sector funds reached 75%

Now, let’s pause and think: in a world of rising costs, career pivots, side hustles, crypto, property, and high expectations — why are more Australians choosing to take control of their super?

Simple. Because control is empowering.

The future of super is personal

We’re in an era where younger Australians want more from their money. They’re digital natives, investing online, researching strategies, and building portfolios that align with their values - whether that’s sustainability, tech innovation, or property.

And guess what? Traditional super funds don’t offer that kind of flexibility.

With an SMSF, you get to choose what your fund invests in - shares, ETFs, direct property, gold, even cryptocurrency (for those with the right compliance know-how). You get total transparency over fees. And most importantly, you’re not just hoping someone else is doing the right thing with your future. You're in the driver’s seat.

 It’s not just for the wealthy anymore.

There’s still a myth floating around that SMSFs are only for the rich. But the data tells a different story.

With the right tech and admin support (hello SMSFAI), the cost and complexity of running an SMSF has dropped dramatically. We’re setting up funds for everyday Aussies with balances starting around $200k - and they’re thriving.

More choice. More satisfaction. Less red tape.

A smarter way to build wealth

In fact, the same Roy Morgan report showed that overall super satisfaction hit 69.9% — its highest level since pre-COVID. Why? A big part of that is market performance. The ASX 200 hit a record high in June 2025, and SMSFs with their often more tailored, equity-focused portfolios have reaped the rewards.

But this isn’t just about riding the share market wave. It’s about building the kind of retirement you actually want. And that starts with being engaged with your super, not detached from it.

The SMSFAI difference

At SMSFAI, we’re helping a new generation of investors ditch the jargon and run their fund with confidence. We’ve made the process slick, AI-smart, and fully supported by our Australia + Philippines-based team of real humans with SMSF experience.

You want full transparency?
Fast setup?
Customised reporting?
Property strategies?
Crypto integration?

We’re here for it - and for you.

Final word

With satisfaction rates soaring and flexibility unmatched, SMSFs are no longer just an alternative - they’re the smart option for future-focused Aussies.

So if you’ve been wondering whether it’s time to take the leap, consider this your sign.

The future of super is self-managed - and we’re just getting started.