Using your SMSF to buy property

Using a self-managed super fund (SMSF) to buy property is becoming increasingly popular but the decision requires careful consideration.

There are significant advantages to having a property in an SMSF for example tax effectiveness: your super fund will be taxed at 15 per cent which is considerably lower than most people’s personal tax rates.

However, there are a few things to bear in mind if you plan on setting up an SMSF specifically to buy property, whether it’s residential or commercial. You have to ensure it supports your overall investment strategy and avoids unnecessary risk. 

Ultimately, the test of whether you should buy a property with your SMSF comes down to making a rational investment decision based on facts and advice.

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