SMSF Property Investment

Using superannuation to buy a house in Victoria might seem like an appealing option, but there are specific rules and schemes you need to understand. Here’s a comprehensive look at how you might leverage your superannuation for property purchases in Victoria. Can I withdraw my super to buy a house? Without meeting a condition of release (such as retirement), generally speaking, you cannot use your super to purchase a house . But there are exceptions to this rule with the Firs

The myGov portal is designed to be a straightforward and secure way to access government services online. It offers Australians a single online portal for accessing various government services with just one login and password. Your home page gives you access to an inbox that serves as a central hub for receiving messages, such as online letters and statements, from several government agencies including: Medicare Australian Taxation Office (ATO) Centrelink Plus many more onlin

Exploring the potential of buying vacant land with your SMSF can open up avenues for strategic investment. While the option exists to secure vacant land through SMSF loans, it's essential to understand the limitations and regulations that accompany such investments to ensure you’re maximising the potential of your SMSF investments within legal boundaries. Can I buy vacant land with an SMSF loan? Yes! If your trust deed allows for it, you are able to purchase vacant land with

Dreaming of homeownership and wondering if your superannuation can help you achieve it in New South Wales? While superannuation is primarily designed for retirement, there are avenues that may allow you to leverage your super funds for housing-related purposes . In this article, we look at possibilities specific to New South Wales. First Home Super Saver Scheme (FHSS):  If you're a first-time homebuyer in NSW, the First Home Super Saver Scheme (FHSS) might be a game-changer.

Embarking on your "retirement phase" pension within a self-managed super fund (SMSF) is an exciting step. If you're thinking of beginning this phase before selling SMSF assets, this guide serves as a starting point for what to consider and how to navigate the process. Starting a Pension Before Selling Assets Starting a pension before selling assets within an SMSF is a strategy people consider in the pursuit of reducing their tax liability. Pension payments and earnings on ass

Real estate owned by SMSFs can be eligible for tax deductions. We look at relevant concessions and tax deductions tied to different types of properties under an SMSF setup. What Types of Properties are Eligible for Tax Deductions?  Various property types within SMSFs come with their tax benefits. Here's a quick list: Residential properties (e.g., houses, apartments). Holiday houses. Bed and breakfast establishments. Commercial properties (e.g., shops, factories). Vacant land.

Your superannuation savings are designed to be long-term savings, essentially held in trust for you when you arrive at your preservation age and start your retirement phase. However, many Aussies question whether they can use their super to buy a house. In this article, we discuss how you may be able to use your superannuation towards housing-related purposes for a place in Queensland; keep reading to find out more. How can I access my retirement savings to buy a home? Unfort

The Trust Deed plays a paramount role within self-managed superannuation funds (SMSFs), serving as the fundamental document that delineates the regulations governing your fund's operations. The landscape of the superannuation industry, including superannuation legislation, has undergone substantial transformation over the years. In light of these dynamic developments, it becomes imperative to maintain an up-to-date SMSF trust deed. Doing so not only safeguards your interests

A common investment choice amongst SMSF trustees is to purchase direct property within their fund. Whether it be a commercial property purchase, or residential property on the Australian real estate market, property investment within the self-managed super fund environment may provide both capital growth potential and rental income, to help grow the member's retirement savings over time. If you're looking to buy property in an SMSF and are unsure which option to choose, keep

There are several steps and considerations to investing in direct property within self-managed superannuation funds. A common query is, 'can I buy a house and land package with my SMSF'? While it is possible to do so, buying and building on vacant land can introduce some added complexity to what can already feel like a labyrinth of legislation. Complexity doesn't need to equal complication when purchasing property with super . In this article, we talk about buying and buildin

Self-Managed Superannuation Funds (SMSFs) have the flexibility to invest in a diverse range of properties, spanning residential, commercial, industrial, medical, and vacant land. A common query amongst SMSF property investors is whether they can sell their SMSF property assets to a related party (such as a family member or friend). Keep reading as we unpack what SMSFs can and can't do when it comes to transferring or selling property out of their fund. Can my SMSF sell its i

Diversification is an important principle in investing and managing any investment portfolio, including self-managed superannuation funds (SMSFs). Understanding how to effectively implement diversification as a risk management technique to your SMSF can be pivotal in the prudent financial management of your self-managed super fund, however, the Superannuation Industry (Supervision) Act 1994 also requires SMSF trustees to specifically consider diversification every year. So, l

When investing in direct property within a self-managed super fund, a necessary step is to have a prospective investment property valued. There are several ways that self-managed super funds can value properties at different stages in the investment cycle. This guide takes you through everything you need to know about SMSF property valuations. What are SMSF property valuations? Property valuation refers to the process of determining the worth of a real estate property to unde

The Australian Property Institute (API) is a professional membership organisation that represents property professionals in Australia. It is one of the leading organisations in the country dedicated to promoting excellence and professionalism in the property industry. The API provides various services and resources to its members, including education, accreditation, advocacy, and networking opportunities. So what does the API have to do with SMSF property investment? We discu

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

As a self-managed super fund (SMSF) property investor in Australia, understanding the importance of property valuations goes beyond just a figure. Whether you're considering purchasing a property to add to your SMSF investment portfolio, or refinancing an existing property owned by your SMSF, it's crucial to understand the difference between appraisals and valuations. We take a look at the difference between property valuations and appraisals in Australia, and explore which m

Owning property through a self-managed superannuation fund (SMSF) has become increasingly popular in recent years. The major appeal of SMSF ownership for many superannuation fund members is the potential for more flexibility and control over their retirement savings, including purchasing direct residential property or commercial property under their super fund. However, SMSFs are highly regulated, with many compliance obligations. SMSF owners may consider a property purchased

Amongst the changes confirmed in the recent Federal Budget , was the additional earnings tax for super funds with balances of over $3 million, come 30 June 2026. Interestingly, this change sparked further industry consideration to how this impacts the super death benefits of SMSF members. In this article, we introduce the school of thought behind how when an SMSF member dies, their tax losses could potentially be lost, and ultimately impact their death benefit payment. What a

Many Australians are drawn to the potential benefits of running a successful property portfolio. However, as no one can ever know exactly what the future holds, considering how to build a resilient property portfolio is high on many property investors' minds. We discuss some of the ways that property investors can help build resilience in their property investment portfolio. What do investors want out of their property investment? Individual investors may have different prior

With superannuation being made compulsory for employed workers in Australia since 1992, it's become a crucial component of retirement planning. Understanding how superannuation works is important to many Australians, given what a significant portion of their financial wealth it will encompass when their retirement date arrives. Two significant phases in superannuation are the accumulation phase and the pension phase . This guide aims to outline the key differences between th