SMSF Loans

With inflationary pressure greater than most Aussies have seen since the 1990's , financial commentators have witnessed several changes in the behaviour of consumers, investors and SMSF trustees. A superannuation member's investment strategy will change to suit the changing environments across their lifestyle. One strategy that may be more highly executed during this period of high inflationary pressure is downsizer contributions. We take a look at what the downsizer contribu

Managing one's retirement funds is a crucial aspect of financial planning. In recent years, self-managed super funds (SMSFs) have gained popularity among individuals seeking greater control over their retirement savings. However, many super fund members wonder if compensation payments received due to personal injury, legal settlements, or insurance claims can be contributed to an SMSF. Below, we discuss whether you can contribute to a self-managed super fund from compensatio

The lead-up to retirement is an exciting time for anyone who's been in the workforce for decades. It's often a pinnacle point in every Aussie's life, yet one that can leave a few financial question marks looming overhead. A transition to retirement pension is used by many Australians to slowly lead into retirement, both mentally and financially. We've prepared a quick guide on transition to retirement pensions and how they could work for you, as you slowly cease working! W

Wanting to get the best out of your self-managed super fund isn't just admirable, it's the responsibility of SMSF trustees to ensure that they are working to build their fund members' retirement savings. If the next addition to your SMSF investment portfolio is direct property, then it only makes sense that you'd be looking to get the best SMSF loan structure, too. We explain what you need to know to access efficient and effective SMSF lending for your self-managed super fun

Thinking about your health, career, family, and finances is only natural as one year draws to a close, and another opens. Financial prosperity is often high on Australians' list of new year goals. With 2023 upon us, if one of your new year's resolutions is to improve your financial position, keep reading to learn how your super can help you reach your goals this new year! Setting new year goals Making resolutions for the new year can represent a fresh start or a clean slate i

With the Reserve Bank of Australia having recently effected its  8th rate rise , many self-managed superannuation fund trustees are looking at whether now is the time to refinance their SMSF loan. Should you be too? Refinancing your SMSF loan doesn't need to be an exercise filled with uncertainty or confusion. As specialists in SMSF lending, we are happy to provide you with answers to the most commonly asked questions about SMSF loan refinancing. Why do people refinance SMSF

The world of finance comes with many acronyms. Particularly when you're looking at your superannuation options, understanding the long list of acronyms you'll come across can take some time. If you've heard of APRA funds, and are wondering what they are, read on. We provide a brief guide on what an APRA-regulated fund is and how they differ from self-managed superannuation funds (SMSF). What is an APRA super fund? Any superannuation fund that is regulated by the Australian Pr

An exciting trend that has recently emerged may help fight the  gender gap in retirement savings ; more and more of Australia's young women are taking greater financial control over their superannuation by opening a self-managed super fund! Find out more below about the benefits of SMSF ownership and why more women are investing via self-managed super. What is the appeal of a self-managed super fund for women? Retirement doesn't discriminate based on gender. For both men and

If you owe money on your home loan, it may feel tempting to use your superannuation savings to pay it off. While it can seem like a quick way to pay off the mortgage, using your super to pay off your home loan isn't as straightforward as it sounds. Keep reading to find out whether you're able to pay off your mortgage debt using your super fund. Can I use super to pay off mortgage debt? Due to your superannuation benefits being preserved until you meet a condition of release,

One of the benefits of having your own self-managed super fund (SMSF) is the ability to set and manage your own investment strategy. This means you can have greater choice and control over your investments than if you had any other form of superannuation fund, such as an industry or retail fund. Some SMSFs invest in cryptocurrency as part of their investment strategy. Read more to find out what you should consider before investing in cryptocurrency. What is cryptocurrency? Cr

Winding up your self-managed super fund (SMSF) is an important financial decision. Once you wind up your SMSF, you can’t reactivate it. So you need to be sure of your reasons for winding up before you decide to do it. Ultimately though, every SMSF will need to be wound up at some stage when all member entitlements have been paid out and/or there are no more living members. So it’s a matter of when, not if, an SMSF is wound up. Why you might decide to wind up your SMSF There a

One of the smsf advantages is that you can invest directly in both purchasing residential property and commercial investment property, provided that you comply with Australia’s superannuation legislation. The property must: Be bought for the sole purpose of providing an asset or income for your retirement. Not be lived in by a fund member or any of their relatives. Not be rented by a fund member or any of their relatives (unless it is a commercial leasing arrangement). Not

If your self-managed super fund (SMSF) has members that are in (or will soon begin) the pension phase , then it’s important for your SMSF investments to be sufficiently liquid.The recent surge in property prices across Australia has made it more attractive for SMSFs to invest in property. However, property is not a liquid investment like shares that can be easily converted to cash if or when the need arises (such as when a member enters the pension phase or dies).This fact ma

David Wood from ULTRA106.5FM chats Super with our founder Yannick Ieko, and they discuss what people are doing when thinking about retirement.  You can listen to the interview or read the transcript below. David: You’re listening to morning lifestyle with Dave and today it's a topic of finance. And I'm going to catch up with an expert in loans and in retirement funds from SMSF Yannick. Joining us Yannick, welcome along. Yannick: Thank you, thank you for having me. David:

One of the key benefits of having your own self-managed super fund (SMSF) is the ability to invest in property inside super (taking advantage of the concessional super fund income tax rate of only 15%), provided you comply with relevant legislation . Other types of super funds (such as retail, industry, company and public sector super funds) can't invest directly in residential property. If you are one of the many people making the most of loans to SMSF to buy property under

Did you know that you can buy a farm with your self-managed super fund (SMSF)? A 'tree change' has been on the cards for many Australians over the past couple of years, looking to access fresh air, start their own farm and avoid COVID ridden cities. While it's little wonder why people are drawn to rolling hills and green pastures, you may be left wondering how it is you can use your self managed super fund to purchase a rural oasis. As experts in SMSF loans for rural proper

If you're new on the SMSF scene or have an outstanding return from last year, then your fund's SMSF Annual Return (SAR) due date is just around the corner — but are you going to be to blame for a non-complying status or penalty? We want to ensure that you can lodge your SMSF's annual return with confidence, particularly if it's your first. Read on to find out the most common human errors on SARs that could send your SMSF into non-complying status territory. What's involved

As a responsible SMSF trustee, you would be reviewing your fund's investment strategy yearly; but are you properly reviewing your personal insurance when doing so? Considering your fund's insurance strategy can prove far more valuable than just a legal 'tick-and-flick' exercise, helping you protect your wealth while putting more funds back into your pocket, rather than the tax man's. We provide you with all you need to know about the tax-deductibility of buying insurance wit

The SMSF landscape has changed drastically over time, and never more rapidly than now, as Millennials jump on board a landscape that was previously dominated by Baby Boomers. According to industry experts, the rise of SMSFs being established by our Millennial population is set to continue . You may be wondering what’s spurring this new wave of younger SMSF investors. We uncover the keys that could open the door to your own SMSF ownership opportunity.  Who are Millennial SMSF

Long has lived the notion that SMSFs are over-priced and over-complicated unless the balance is north of $500,000 – but times are changing. SMSFs are now proving their strength in the cost-competitive arena. Industry research found that funds with balances of only $200,000 are as cost-competitive as public offer funds (“regular” superannuation funds). Are SMSFs are becoming the most affordable way for Australians to reach their retirement dreams?If you’ve been put off SMSFs