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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