No Super Changes (For Now): Why That’s Not a Reason to Sit Still

5 people at a bench. Four are seated and unhappy, one is standing and happy.

Peter Dutton recently ruled out major changes to Australia’s superannuation system if elected—offering a momentary sigh of relief for those wary of further reforms. But in a volatile political and economic environment, inaction can be risky.

For everyday Australians, the bigger question is: how can you take control of your super regardless of who’s in power? That’s where a Self-Managed Super Fund (SMSF) comes into play.

Why Inaction Can Be Risky

While policy settings may remain unchanged for now, the economic and legislative environment around superannuation is anything but static. With inflation, interest rate volatility, and shifting global markets, passive investing strategies tied to super defaults may underperform.

Taking Control: The Case for SMSFs

A Self-Managed Super Fund (SMSF) gives you:

Greater investment flexibility, including in direct residential or commercial property.
More control over asset allocation to better match your risk profile and retirement goals.-
Potential tax advantages, particularly for high-balance individuals.

Property Inside Super:

A Tangible StrategyInvesting in property through an SMSF is increasingly popular due to its ability to:

Generate passive income via rental yields
Provide capital growth over the long term
Offer a hedge against market fluctuations

Planning Beyond the Headlines

Instead of waiting to see how the next election plays out, proactive Australians can use the current policy stability as an opportunity to act. Structuring your retirement investments through an SMSF now can give you more financial confidence—regardless of who holds office in the future.