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When it comes to saving for retirement, many people now opt for a self-managed super fund (SMSF)over the traditional route of a professionally managed fund. There are numerous reasons to choose an SMSF over a conventional fund. Here are some of the benefits of SMSF, including the substantial benefits of buying property through SMSF:

Greater investment choice

One of the most significant advantages of self-managed super funds is the level of investment choice. Compared with traditional super funds, SMSFs offer a much broader range of investment options, including residential and commercial property, shares, term deposits, fixed income products, physical commodities and collectables.

Property investment through SMSF

Looking at how to increase your super? One of the biggest benefits of self-managed super funds is SMSF property investment. With SMSFs, you can enjoy the substantial tax benefits of investment properties, including concessional tax rates on rental income and future capital gains. SMSF property investing is a highly effective tool for maximising returns. What’s more, an SMSF loan can help you get there sooner!

Greater flexibility and control

SMSFs afford their members a much greater level of flexibility and control than externally managed funds. Directly managing your own super allows you to make fast investment decisions and adjustments where necessary. Also, SMSFs allow for up to six members, meaning you can pool your super and invest in assets — such as property — that you may not have been able to on your own.

SMSF tax benefits

The tax benefits of SMSFs are significant. Along with being taxed at the 15% concessional rate, SMSFs allow you to implement tax strategies to benefit your personal situation — including strategies to help you increase savings and decrease tax for an effective SMSF transition to retirement. Further, SMSF assets, including property investments, are generally protected from creditors in the event of a bankruptcy.

Running costs

An SMSF can be more economical to maintain than professionally managed funds. Most SMSF expenses are fixed, whereas industry and retail funds charge a percentage of the fund’s balance in fees. So, SMSFs become more cost-effective the more they grow. Investing in property through an SMSF is a great way to increase the fund’s overall value and make it more economically viable to run.

WT Capital — your SMSF property investment experts.

At WT Capital, we truly are your experts in SMSF property investment. With decades of combined property and financial market experience, we understand the powerful benefits of investing in property through an SMSF. We’ve created effective strategies that have helped hundreds of clients start or further develop their dream portfolios.

Keen to learn more about what we do and how we can help you on your investment journey? Have a look at our successful client case studies, our SMSF eligibility guide, and our handy retirement calculator.

If you’d like to chat further about the benefits of SMSF property investment through WT Capital, simply get in touch with our friendly, professional team today. We look forward to hearing from you!

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Any financial and legal advice offered by the Author of this website is of a general nature and may not be suitable for some people. No individual financial or legal needs or goals have been taken into account in the advice offered, you should always seek independent advice about specific financial and legal decisions. The Author of this website disclaims all and any responsibility or liability in respect of information detailed or omitted (or the consequences thereof) from this website or any other meetings held with the author