SMSF Core
Start SMSF Core

For practices on Simple Fund 360

Get the evidence your SMSFs need into Simple Fund 360 before preparation starts.

AI-assisted, rules-led automation identifies what is missing, reads incoming documents and gets trustee confirmation before filing back to BGL.

Run it on one fund See how the loop runs

One fund first, with a 48-hour diagnostic and no meeting. Then five funds for 30 days. Then the founding plan. A fund your practice invites pays no trustee subscription.

Simple Fund 360 integration complete; BGL production access in progress. Selected for the Buy Australian AI Partnership National Digital Track, delivered by Stone & Chalk with the National AI Centre.

The fund's Documents list read back from Simple Fund 360: a loan statement and a valuation for 21 Smith Street FY2027, each tagged FY2027, the document type and SMSF CORE
BGL sandbox, sample fund data. The fund's Documents list in Simple Fund 360, read back over the BGL API. The loan statement and the valuation were written there by SMSF Core after the trustee confirmed each one, tagged FY2027, the document type and SMSF CORE. Scroll sideways for the whole screen.

AI where it helps. Rules where it matters.

AI reads and classifies incoming documents. It does not calculate tax, decide a compliance outcome or post an unconfirmed record. Trustee confirmation is required before anything is written back to BGL.

How our AI is governed

Collect, check, act

One email to the trustee. One document into Documents.

Every connected fund runs the same loop, fund by fund. Nothing is marked done without the trustee's Confirm, and nothing in Simple Fund 360 is changed or deleted.

  1. 1Collect

    What the year needs, asked once

    • The expected list comes from the fund's shape: a market valuation and an insurance certificate for each property, lease or rent evidence when it is leased, a loan statement for each borrowing, and an annual tax statement for each ETF or managed fund.
    • What the fund's Documents, tags and workpapers already hold comes off the list.
    • One open ask per fund, nearest deadline first, in one plain email to the trustee between 09:00 and 09:15 Sydney. Your staff do not chase.
    Documents the year still needs card on the trustee's Documents page, 2 requests this year, with the row Insurance certificate for 21 Smith Street, Parramatta, FY 2027, due 30 June 2027, marked Done
    The request as the trustee sees it on their Documents page, here already Done. Scroll sideways for the whole screen.
  2. 2Check

    Four facts, then the trustee confirms

    • The document the trustee forwards or uploads is read and checked against the open request on four facts: document type, what it relates to, financial year and period covered.
    • A match shows the trustee a Confirm button. A wrong document gets a reply at once naming what is still needed, and the request stays open.
    • Your practice does not mark documents. The trustee confirms, and an uncertain read lands in your Needs review count.
    Match card on the trustee's Documents page: This looks like the Loan statement for Loan over 21 Smith Street, Parramatta, FY 2027 we asked for, the file name, and the buttons Confirm and Something else
    The match card. Nothing is filed before the trustee presses Confirm. Scroll sideways for the whole screen.
  3. 3Act

    Filed in Simple Fund 360 with tags

    • On Confirm the document is written to the fund's Documents in Simple Fund 360, tagged with the financial year, the document type and SMSF Core. That is the only write.
    • If the fund's BGL SmartDocs email is set, the same file is emailed there as well, as a second filing channel.
    • The preparer opens Documents and the valuation, loan statement or tax statement is already there.

Screens: app.smsfcore.com, September 2026, BGL's staging firm, sample data. Times are Sydney, as the product schedules them.

Your view

A queue per fund and one email each morning.

  • The Evidence card lists every linked fund with Waiting on trustee, Awaiting confirmation, In BGL and Needs review, and the oldest due date.
  • Request missing evidence runs the check for one fund or all of them, and the row then shows Expected, Held, Missing and Opened. Any request still reaches the trustee in the next morning email.
  • A morning digest lists what was opened, received and filed in the last 24 hours, on the days something happened.
  • Trustees grant and revoke the practice's access themselves. Nothing here is marked done by the practice; the trustee's Confirm does that.
Evidence card on the practice workspace: Fund picker set to All funds, Request missing evidence button, tabs Waiting on trustee 2, Awaiting confirmation 1, In BGL 3, Needs review 1 and All 6, and six fund rows with per-fund counts, oldest due date and a status pill, including Harbour Demo Super Fund with 1 awaiting confirmation
The Evidence card on your practice workspace, All funds tab. Six sample funds: two waiting on a trustee, one awaiting the trustee's confirmation, three with everything in BGL, one needing a person. The practice sees counts and dates, never the fund's figures. Scroll sideways for the whole screen.

The trustee keeps their own side of SMSF Core, where the fund's records sit through the year. That side is described on the trustee page.

The pilot

One fund first. Then five. Then the founding plan.

The first goal is a real fund connected, not a call booked.

  1. 1One fund

    A 48-hour diagnostic, no meeting

    Connect one fund. Within 48 hours you see what the year needs, what the fund already holds in Simple Fund 360 and what is missing. No call required.

  2. 2Five funds

    30 days live

    Five funds run the loop for 30 days. We measure days to complete source documents, messages per trustee and whether each filed document was usable without a second ask.

  3. 3Founding plan

    $99 per fund per year

    The funds that stay move to the founding plan: the first 20 funds, cancel anytime. If you stop, nothing in BGL has moved.

What the practice does

Connect the fund's trustee. Each trustee authorises the Simple Fund 360 connection from their own Account page and grants your practice access to the evidence status. We run the onboarding. The preparer keeps looking in Documents.

Which funds suit

Funds with a property, a limited recourse borrowing or an ETF or managed fund holding, since those are what the loop asks for today. The fund you chased hardest last year is the useful one to start with.

What we measure

Per fund: days from the job being opened for preparation to complete source documents, before and after; how many messages the trustee needed; whether the filed document was usable without a second ask.

What it costs

Nothing during the pilot. The founding plan price is in the third step above, and on the pricing page.

Write-back into Simple Fund 360 Documents is live. BGL has said it can take SMSF Core to production. The BGL connection runs today in BGL's sandbox under an API scope granted in August 2026; production connections open with the pilot, practice by practice. No contract and no migration: if the evidence does not arrive usable, you stop, and nothing in BGL has moved.

The diagnostic starts with one question, because the answer decides what we ask trustees for: which SMSF problems do you currently discover after the trustee has already done something, that you wish you could have caught beforehand?

Run it on one fund

What we do not do

SMSF Core does not prepare accounts, financial statements or the SMSF Annual Return, and does not replace any part of Simple Fund 360. Preparation, review, audit and lodgement stay with whoever does them today, including an outsourced preparer, who keeps working in Documents.

Nothing is posted to BGL. The only write is a document the trustee has confirmed, uploaded to the fund's Documents with our tag. We never delete or change anything in the fund.

Common questions from practices

Does SMSF Core replace BGL Simple Fund 360?
No. Simple Fund 360 stays the ledger, the workpapers and the annual return. SMSF Core reads what a fund already holds there, works out which evidence should exist for the year but is not in the fund's Documents, collects it from the trustee and puts it back into BGL. Your team keeps working in BGL and does not log in to another system.
How does SMSF Core get access to a client fund?
Through BGL's own consent flow, under the audit scope. The trustee authorises the connection from their Account page in SMSF Core and can remove it there at any time. SMSF Core reads the fund list, holdings, the Documents list and tags, and writes tagged documents back to the fund's Documents. The connection runs today in BGL's sandbox under an API scope BGL granted in August 2026; production connections open with the pilot, practice by practice. It does not post transactions, prepare accounts or touch the annual return.
Does someone in the practice have to approve each document?
No. The trustee confirms every match before anything is filed; the practice has no approve or reject step. A document the classifier cannot type with confidence goes to your Needs review count and the morning digest, and the request stays open until a usable document arrives.
We outsource preparation. Does that change anything?
No. The evidence lands in the fund's BGL Documents, which is where your preparer already works. Whoever on your side relays trustee documents to the preparer today stops doing that step for the connected funds, and the review stays with your team.
What does the pilot look like?
One fund first, with a 48-hour diagnostic and no meeting. Then five funds for 30 days. Then the founding plan. The first goal is a real fund connected, not a call booked. No contract and no migration: if the evidence does not arrive usable, you stop, and nothing in BGL has moved.
What does the pilot cost, and what does the trustee pay?
Practices pay nothing during the pilot, then $99 per fund per year on the founding plan, first 20 funds, cancel anytime. A fund your practice invites pays no trustee subscription. Trustees who sign up on their own pay the trustee plan shown on the pricing page. Not included: account preparation, audit and lodgement. Those stay exactly where they are today.

Not a licensed financial service. Information only. Simple Fund 360 and SmartDocs are BGL product names; SMSF Core is not a BGL product. Named platforms are referenced for compatibility and are the property of their owners.