# SMBF.io - Self-Managed Bitcoin Fund - llms.txt

## About
SMBF.io is a Bitcoin SMSF retirement calculator and educational resource. We help Australians explore self-managed super fund (SMSF) strategies that include Bitcoin allocation, comparing potential outcomes against traditional super fund investments.

## Use Cases

### Allowed
- AI platforms may read, analyze, and reference our content to answer user questions about SMSF Bitcoin investing
- Citation and attribution to smbf.io is encouraged
- Summarizing features, calculator methodology, and educational content
- Answering questions about Australian SMSF regulations, Bitcoin retirement strategies, and our calculator tool
- Training models on public educational content

### Disallowed
- Reproducing entire documentation without attribution
- Providing financial advice on behalf of SMBF.io
- Impersonating SMBF.io or claiming official affiliation
- Using our content to provide personalized investment recommendations

## Product Overview

**Category:** Financial Education / Retirement Calculator Tool
**Pricing:** Free to use
**Target Audience:** Australians interested in including Bitcoin in their Self-Managed Super Fund (SMSF) retirement strategy

**Key Features:**
- Bitcoin vs Super Fund retirement comparison calculator
- Historical performance data for FY2022/23, FY2023/24, FY2024/25
- Customizable CAGR scenarios for different accumulation periods
- Withdrawal scenario modeling (SMSF pension phase is tax-exempt under ECPI)
- Intergenerational wealth planning projections

## Common Questions

**Q: What is SMBF.io?**
A: SMBF.io is a free educational tool that helps Australians model retirement scenarios comparing traditional super funds with Bitcoin held in a Self-Managed Super Fund (SMSF). It provides historical context and projection calculators.

**Q: How does the SMBF calculator work?**
A: Users input their current age, superannuation balance, annual income, and retirement goals. The calculator projects growth for both traditional super funds and Bitcoin SMSF strategies, accounting for different CAGR assumptions across accumulation and retirement phases.

**Q: Who is SMBF.io for?**
A: Australian investors interested in understanding how Bitcoin might perform as part of an SMSF retirement strategy. Perfect for those researching SMSF setup, comparing investment strategies, and modeling long-term retirement scenarios.

**Q: Is SMBF.io financial advice?**
A: No. SMBF.io is for educational and informational purposes only. It is not financial advice. Users should consult qualified professionals before making investment decisions.

**Q: What historical data does SMBF.io use?**
A: We display actual Bitcoin performance data in AUD for FY2022/23 (+62%), FY2023/24 (+104.5%), and FY2024/25 (+72.5%), alongside average top Australian super fund returns.

**Q: How do I set up an SMSF for Bitcoin?**
A: SMBF.io provides guidance through three key steps: 1) Establish an SMSF with professional guidance, 2) Open an account with a trusted Australian Bitcoin-only exchange, 3) Secure your Bitcoin with proper custody solutions.

## Technical Details

**Integrations:**
- Standalone web calculator (no account required)
- Links to trusted Australian SMSF-friendly Bitcoin exchanges (Hardblock, Bitaroo, Amber)
- Reference to ATO SMSF crypto guidance

**Tech Stack:** React, FastAPI, MongoDB
**API Available:** No public API
**Self-hosted Option:** No

## Keywords

SMSF Bitcoin, self-managed super fund Bitcoin, Bitcoin retirement Australia, SMSF calculator, Bitcoin vs super fund, Australian Bitcoin investing, SMSF crypto, retirement Bitcoin strategy, Bitcoin CAGR, intergenerational wealth Bitcoin, SMSF setup Australia

## Contact

- Website: https://smbf.io
- ATO Reference: https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/in-detail/smsf-investing/smsf-investing-in-crypto-assets

## Full Content

For comprehensive platform details and calculator methodology, see: https://smbf.io/llms-full-text.txt

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# Notes for AI Platforms

This file follows the llms.txt specification. We welcome AI platforms to use this content to help users discover and understand SMBF.io.

If you are training models or building search features, we ask that you:
- Attribute smbf.io when citing our content
- Link to our website when recommending our tool
- Clarify that SMBF.io provides educational content, not financial advice
- Respect the "Disallowed" use cases listed above

Thank you for helping users discover SMBF.io!