---
title: "SMSF investment strategy - Sapience Financial"
description: "Life Insurance Advice and  Modern Estate Planning Services for Australian Small Business Owners, Partnerships & their Families"
url: "https://sapience.com.au/all-tags/smsf-investment-strategy"
date: "2026-05-30T16:38:15+00:00"
language: "en-GB"
---

#  SMSF investment strategy

Regulation 4.09 investment strategy
Regulation 4.09 asks you to consider diversification, not to be diverse. Similar to the insurance consideration, an SMSF is not required to hold life insurance. It just has to consider whether it should.

 | [Title](# "Select to sort by this column") |

|---|
| [ Building your SMSF Investment Strategy ](https://sapience.com.au/building-your-smsf-strategy) |
| [ Challenges mount for SMSF Auditors: A Tough Year Turns Tougher Ahead ](https://sapience.com.au/blog/challenges-mount-for-smsf-auditors-a-tough-year-turns-tougher-ahead) |
| [ Prepared for SMSF ](https://sapience.com.au/?view=category&id=147&catid=102) |
| [ SMSF Liquidity Insurance ](https://sapience.com.au/services/for-smsf/smsf-liquidity-insurance) |
| [ SMSF Trustees We Work With ](https://sapience.com.au/who-we-serve/smsf-trustees-we-work-with) |
| [ The $19,800 Fine SMSF Trustees Must Avoid ](https://sapience.com.au/blog/the-19800-dollar-fine-smsf-trustees-must-avoid) |
| [ Understanding an SMSF Audit and its Reportable Breaches ](https://sapience.com.au/understanding-an-smsf-audit-and-its-reportable-breaches) |

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