SMSF Property Investment

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

Airbnb has become a popular way for property owners to generate income by renting out their homes or investment properties. With the rise of Airbnb, many investors are wondering whether they can buy an Airbnb property in a self-managed super fund (SMSF) in Australia — and if so, whether they're a good combination. Understandably, the income generated and capital growth prospects for Airbnb properties are appealing for SMSF owners, however, there are a range of factors that tr

Given that your superannuation savings will likely be one of the largest forms of income in retirement, it makes sense that SMSF owners want to ensure they have the best investments for their portfolio. If you're thinking about purchasing an investment property within your self-managed super fund, then you may be wondering whether it's a good investment for retirement. We discuss both the pros and cons of property investment for retirement , and what you need to consider befo

Sourcing the best investments for your SMSF portfolio is front of mind for most SMSF trustees. For those that are looking to add an investment property to their portfolio, considering commercial properties can open the door to solid income yield and capital growth potential for their member's retirement savings. If you're looking at your options for property investment within your self-managed super fund, here are some of the commercial investment opportunities to consider.

Owning a self-managed super fund (SMSF) in Australia means keeping your finger on the pulse across numerous financial, legal and investment landscapes. Before purchasing SMSF property under their fund, many SMSF owners want to understand the implications of their SMSF and GST. We provide a brief guide to understanding more about goods and services tax (GST) and SMSF ownership below. Does a self-managed super fund need to be registered for GST? Just as business entities in A

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

Your investment options for direct property investment under your self-managed super fund (SMSF) have expanded in recent years, thanks to the introduction of specialist disability accommodation (SDA). Specialist Disability Accommodation is a revolutionary introduction under the National Disability Insurance Scheme (NDIS), designed to support members of the community with extreme functional impairment or very high support needs. If you're curious as to how an SDA property cou

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

Self-managed super funds (SMSFs) in Australia must be set up as trusts with either corporate or individual trustees. These trustees are legally responsible for the SMSF's compliance with Australia's superannuation and tax legislation. Whether you should have an individual or corporate trustee structure for your SMSF depends on your individual situation. We touch on some of the differences between an individual trustee and a corporate trustee structure, including the borrowin

One of the benefits of having your own self-managed super fund (SMSF) is the ability to buy residential or commercial property. Unavailable in an industry or retail fund, an SMSF is the only type of super fund in Australia that allows you to invest directly in property. Read on to find out the benefits of investing in property via your SMSF, as well as the associated legal compliance regulations.  The benefits of using your SMSF to buy property  Property can help you to diver

Early retirement is a goal for many Australians. Whether or not you can achieve that goal depends on how much super you accumulate before retirement. It also depends on factors such as: How your super continues to perform when you're in retirement. The type of lifestyle you want to lead. How long you live for. Whether your superannuation forms part of your inheritance to loved ones when you pass away. When looking to achieve a sufficient superannuation balance and an early re

If you have more than one member of your self-managed super fund (SMSF), then it’s worth exploring the option of segregated accounts. According to thelatest figures from the Australian Taxation Office, you’re in the majority if you have two to four SMSF members. Single-member SMSFs only account for around a quarter of all self-managed super funds. If you’re interested to learn more about the potential benefits of holding a segregated SMSF, then read on as we introduce the bas

There has been a residential property price boom across Australia over the last 12 to 18 months. According to the latest figures from the Australian Bureau of Statistics , Australian property prices grew by a whopping 23.7% in 2021.This is the third-largest annual increase on record. The highest was in 1950 when prices doubled after World War II price restrictions were lifted, followed by 1989 when prices increased by 29%. History tells us that such large property price incre

If you have a self-managed super fund (SMSF), it’s important to understand the impact a relationship breakdown can have on your assets. Superannuation assets are considered to be property under the provisions of the Family Law Act , but they are treated differently from other assets. SMSF and divorce Unlike most other types of assets, super assets must be held in a trust. Your SMSF is a trust. You cannot access your super until you reach your preservation age and/or you sa

Borrowing to purchase an investment property can provide your self-managed super fund (SMSF) with a range of benefits. However, it’s important to go with a lender who specialises in SMSF lending. Read on to find out why. 1. Legal compliance SMSF borrowing must be done under limited recourse borrowing arrangements (LRBAs) to comply with Australia’s superannuation legislation. Specialist SMSF lenders fully understand LRBA requirements so they can ensure your legal compliance. T

The last two years of COVID-19 restrictions have been challenging for everyone, but it hasn't affected the quality of service that we provide to our self-managed super fund clients at SMSF Loan Experts. Read on to find out all about the excellent service you can expect from us at all times, COVID restrictions or not! We service clients nationally – physical distance is nothing One of the major reasons why COVID-19 restrictions didn't impact the quality of our services is that

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 one of the more than 1 million Australians with a self-managed super fund (SMSF), there are a few key issues to keep your eye on in 2022. Read on to find out what they are.  Your investment strategy It’s a volatile time at the moment in investment markets as economies and businesses around the world deal with the havoc caused by ever-changing COVID-19 restrictions and circumstances.  That makes it a good time to review your SMSF investment strategy.  It’s also no s