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Aligning your strategy and goals

Getting the right advice helps you get it right

With the right strategy in place. Investing in property through an SMSF can be quite tax effective for the individual or family. Given the significant tax concessions available when investing through superannuation, it is an attractive option through which to invest. Superannuation is however governed by its own set of rules. It is important that you seek advice before making any significant decisions.

  • A good way to diversify your superannuation portfolio
  • Provides options for property investing not available through retail funds
  • Attractive tax concessions

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Take control of your superannuation investments

Speak with our SMSF team today

SMSF Finance

Investing in your retirement

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Residential Property Investment

Traditionally, many SMSF’s purchase residential property for investment purposes. There are a range of factors that need to be met to ensure the smooth acquisition of residential property for an SMSF to invest in.

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Commercial Property Investment

Deciding buy or invest in commercial premises can be tricky. You need to ensure the location, zoning, size and fit-out are meeting your needs. Getting the right loan is easy, we review the market and make sure you have the best option to meet your changing needs.

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Greater control of asset allocation

Investing in property via your SMSF allows you greater control in the allocation of your assets.

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Leveraging debt

As with investing outside of superannuation, you are able to leverage debt to maximise returns through borrowing to purchase via your SMSF.

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Meeting the sole purpose test

SMSF finance specialists

The objective of the sole purpose test is to ensure that the SMSF is used for the sole purpose of providing benefits to members upon their retirement or their dependents in the case of the member’s death before retirement. It’s essentially the golden rule of SMSF property investment.

In addition, you can’t absorb an existing residential home that a trustee owns into the SMSF by purchasing it.

It’s also important to note that purchasing a property with funds from the SMSF is very different to purchasing one with an SMSF home loan. That’s an entirely different and more complex.

Frequently Asked Questions

You have questions, we have answers:

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Using an SMSF for investing

Having the ability to choose what assets you invest in, including direct residential and commercial property, is something you don’t have when investing via a traditional superfund.

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