Builds Long-Term Wealth with Tangible Assets

Investing your super in property through a self-managed super fund (SMSF) allows you to acquire a physical asset with long-term value. Unlike shares or managed funds, property offers more stability and visibility. Over time, the value of the property can increase, helping you grow your retirement savings steadily.

Earns Rental Income Inside Your Super

Property owned within an SMSF can be leased to tenants, and the rental income goes directly back into your super fund. This income can help cover loan repayments and expenses while building the fund balance. It provides a consistent cash flow source, which can be useful in the pension phase.

Takes Advantage of Super Tax Rates

Superannuation funds benefit from lower tax rates—15% during the accumulation phase and 0% in pension phase. When you invest super in property, rental income and capital gains may be taxed at these reduced rates. This boosts after-tax returns compared to owning property outside of super.

Diversifies Your Retirement Portfolio

Many Australians rely heavily on shares and cash within their super. Adding property gives you diversification, reducing the risk of being exposed to one asset class. A well-chosen investment property can balance market volatility and provide a more resilient retirement plan.

Leverages Borrowing for Larger Growth

An SMSF can borrow to buy property using a limited recourse borrowing arrangement (LRBA). This allows you to access higher-value assets than what’s available in cash alone. While borrowing carries risk, it also offers potential for greater capital growth and rental income, helping accelerate super fund growth.

Offers Control Over Investment Decisions

With an SMSF, you manage your retirement assets directly. This gives you the flexibility to choose the property, manage tenants through a property manager, and decide on long-term strategies. This level of control appeals to investors who want hands-on involvement in their retirement planning.

Take the first step towards financial success – explore investment property in Brisbane today!