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SMSF Property Investment

Strict rules, restrictions and limitations apply to self-managed super funds and buying property using your superannuation.

Make sure to become familiar with the rules as imposed on trustees by the ATO. As an SMSF trustee some of your obligations include: developing, implementing and reviewing the fund’s investment strategy, considering the insurance needs of all fund members, as well as several ongoing compliance and administrative obligations which involves; appointing an SMSF auditor, lodging the SMSF’s annual returns, valuing the fund’s assets, recording and keeping accurate tax and super records and more.

Setting up and managing your SMSF will incur costs both in time and money. Because individual needs, goals and requirements vary the costs involved will differ.

Make sure you’re able to make sufficient contributions to fund your SMSF.

This is where seeking advice from a licensed financial adviser, before diving into the world of property investment, will pay off. Your financial adviser should provide you with the hard data to show whether you can afford to invest in property inside super and potential outcomes.

Choose the right property.

The goal of buying property using your superannuation is to invest in a property that will pay off handsomely to financially benefit your retirement. Make the right choices. Find properties that have the potential to increase in value; get properties that will be sold or leased fast.

Get financial advice and guidance.

Finally, seek out SMSF professionals who can help you make informed decisions and guide you through the whole process. Your property investments through self-managed super funds will deliver more favourable results when you have help every step of the way.

In order to ascertain whether this super fund is right for your specific needs, you have to consider a few things.

First, you need to consider whether having direct control and an understanding of where your superannuation is invested is right for you. An SMSF requires your active interest and participation in setting up and maintaining your super fund.