Have you ever wondered what the benefits of using super to buy an investment property are? Here, we explore our favorites...
What is SMSF?
SMSF stands for Self-Managed Super Fund. This is a private fund that's managed by an individual. In comparison to other funds, the members of an SMSF are generally the trustees and run their own fund for their own benefit. Trustees are still responsible for complying with the laws and regulations around super and tax.
Purchasing residential property within your self-managed super fund (SMSF) can be an effective way to increase the value of your retirement savings and provide tax effective investment returns. Owning a residential investment property within your SMSF can be significantly more tax effective than investing in a property in your personal name.
Generally, SMSF property investors all have the same motivation - a secure, tax effective, affordable and profitable long term investment.
They want to have their superannuation exposed to an asset class that they understand and trust, property generally fills ticks this box as lot of folks don't understand the alternatives such as shares and the volatility associated.
Other reasons could be simply
To access an initial deposit that they would otherwise not have access to for property purchase.
Create a tax effective retirement income stream (such as tax-free rent and being exempt from capital gains tax) - all subject to your circumstances.
To use their employer superannuation contributions to help fund the ongoing mortgage repayments for their investment property.
Have an asset that matches their long-term investment plans - property has proven time and time again to be the perfect vehicle.
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