Who does it suit?

Anyone that:

• Is looking to take control of their superannuation
• Has a preference for direct property, rather than shares
• Believes their current superannuation is under performing
• Wish to retire at some point to the beach or country and wish to purchase their retirement home at today’s prices, with a view to moving in retirement

What are the benefits of using an SMSF to invest in property?

• Tax on any rental income after expenses is only 15% rather than at your marginal tax rate.
• The deposit and stamp duty required on the purchase are funded by your superannuation, rather than your personal savings or further borrowings on your home. That leaves your personal savings intact.
• Rather than just using the rental income to pay down the loan, your employer superannuation contributions can also go towards the loan. This means you may need to rely less (if at all) on your salary and wages to help fund the investment which leaves your lifestyle unchanged.
• By choosing to salary sacrifice more into superannuation, above and beyond you employer contributions, you can save tax personally by reducing your marginal tax rate and at the same time provide the SMSF with the ability to pay down the loan faster. A very effective approach used by the wealthy.
• The maximum tax, should you sell the property after 12 months is only 10%.
• The potential tax should you sell the property in retirement or pension phase is Zero, based on current legislation. The best kept secret!

To find out more, please select from the following options:

• Phone us on 9859 8555
• Click here if you want further information