Invest Where You Want, When You Want: Unlock the Power of SMSF Property

Self-managed super funds (SMSFs) in Australia can offer several potential benefits. Our tailored strategies ensure you gain control over your investments, diversifying your portfolio for lasting wealth. Shape your retirement with us, where securing your financial security is our commitment. 

Investment choice

SMSFs offer a wider range of investment options than most retail super funds. You can invest in direct property, unlisted shares, and other assets, potentially tailoring your portfolio to your specific goals and risk tolerance. 

Control

As the trustee, you have complete control over investment decisions and the fund’s administration. You can be more responsive to market changes and take advantage of investment opportunities you believe have potential. 

Tax benefits

SMSFs can enjoy concessional tax rates on investment earnings, potentially leading to higher returns in the long run 

Flexibility

You can tailor the fund’s rules to your unique circumstances, including estate planning goals and benefit payments. This allows for greater personalization compared to standard super funds. 

Consolidation

You can consolidate multiple super accounts into one SMSF, simplifying your superannuation management. 

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Advantages of investing in property with self-managed super fund

Data doesn’t lie, and the statistics around retirement in Australia highlight urgent concerns that cannot be ignored:

Reliance on Government

In Australia, many retirees rely not on complex investment strategies for their retirement security, but on the steady provision of the government pension. Despite the increasing focus on superannuation, it remains the primary financial support for the majority, aiding nearly three-quarters of those over 60. 

Gender Gap

A significant gender disparity exists in retirement financial dependency: while only 7% of retired men rely on their partner’s income, a striking 34% of retired women do, leaving nearly a third of women financially dependent on their partners in retirement. Greatly affecting financial stability in later year. 

Uncomfortable Truth

The average retirement savings balance for men, at $359,870, fails to meet the “Comfortable Retirement Standard” set by ASFA, with women facing an even larger shortfall, averaging $289,180. These statistics highlight a broad issue of inadequate preparation for retirement. 

Rising Retiree Numbers

The number of retirees has grown from 3.5 million in 2016-17 to 4.1 million in 2020-21. This surge in numbers presents a growing challenge as more Australians enter retirement unprepared. 

Frequently Asked Questions

What is a Self-Managed Super Fund (SMSF)?

A Self-Managed Super Fund (SMSF) is a type of superannuation fund that provides a platform for retirement savings. It’s distinctive in that the members of the SMSF are typically also the trustees. This allows for direct control over the investments of the fund, providing greater flexibility and decision-making power than traditional super funds. 

Who can start an SMSF?

Anyone over the age of 18 can start an SMSF, provided they are not under any legal disability or disqualified. Disqualification can occur if an individual has been convicted of an offence involving dishonesty, has been subject to a civil penalty order under superannuation laws, or is an undischarged bankrupt. 

Why should I consider investing in property with my SMSF?

Investing in property with an SMSF can offer potential for high returns, asset diversification, and significant tax advantages. Rental income from the property is typically taxed at a concessional rate, and a reduction in capital gains tax can be accessed if the property is sold during the pension phase. 

How much can my SMSF borrow to invest in property?

The amount an SMSF can borrow depends on various factors, including the SMSF’s cash flow, the value of its assets, and the terms offered by the lender. However, in general, the loan-to-value ratio (LVR) for an SMSF loan tends to be lower than for standard property loans. This means your SMSF would typically need a larger deposit.