Investing with
SMSF.

A common method for investors to tap into their superannuation to invest in property is to utilise a self-managed super fund (SMSF).

What is an
SMSF?

A self-managed super fund (SMSF) is a type of superannuation fund that allows members to manage their own retirement savings.

Unlike other types of super funds, SMSFs give members more control and flexibility over their investments and strategies, making them a popular choice for those looking to take a more active role in managing their retirement savings.

An SMSF can have multiple members, all of whom are trustees of the fund. As trustees, they are responsible for making investment decisions, ensuring the fund complies with superannuation and tax laws, and reporting to the Australian Taxation Office (ATO).

The main advantage of an SMSF is the control it gives members over their investments. Members can choose to invest in a wide range of assets, including shares, property, managed funds, and even collectibles like artwork and vintage cars. This can give members the opportunity to create a diversified portfolio tailored to their individual goals and risk tolerance.

Another advantage of SMSFs is their tax benefits. The tax rate for SMSFs is generally lower than the individual tax rate, which can result in significant tax savings for members. SMSFs also offer greater flexibility in terms of contributions and withdrawals, allowing members to make additional contributions and take benefits as they see fit.

However, SMSFs also come with greater responsibilities and risks than other types of super funds. Members need to have a good understanding of investment strategies and be willing to take an active role in managing their funds. They also need to comply with strict superannuation and tax laws and ensure their investments are made in accordance with the fund’s investment strategy.

It is important for anyone considering an SMSF to seek professional advice to determine if it is the right choice for their individual circumstances. A financial adviser or accountant can help members understand the costs, benefits, and risks associated with setting up and managing an SMSF.

Benefits of SMSF
property investing.

When handled properly, a self-managed super fund is capable of outperforming the traditional industry super funds that many of us are investing with.

Here are some performance comparisons with the largest Australian superannuation funds.

  • Our property development investments typically offer an annualised return of 13-16% p.a.
  • AMP Superannuation has delivered a return of 5.27% p.a. with their Accelerator Personal Superannuation Plan over the last ten years.
  • AustralianSuper has delivered a return of 8.67% p.a. with their balanced premix over the last ten years.
  • Retail Employees Superannuation Trust (REST) has delivered a return of 8.95% p.a. with their core strategy over the last ten years.
  • Colonial Mutual Supernnuation has delivered a return of 5.63% p.a. with their balanced fund over the last ten years.

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  • 12% per annum return
  • Distributions paid monthly
  • Capital secured against real estate
  • Bonus profit share upon completion
  • Targeted 36 month term
  • Pro rata returns if delayed