Adeal Rizvi - Property Strategist’s Post

Investing in property through Super is popular among Australians looking to boost their retirement savings. To do this, you need to set up a Self-Managed Super Fund (SMSF), giving you control over your super investments. However, it is important to understand that managing an SMSF comes strict regulatory obligations. 𝐒𝐰𝐢𝐩𝐞 𝐫𝐢𝐠𝐡𝐭 to find out the 5 most common questions we get asked. According to the Australian Taxation Office (ATO), total SMSF investment in property has grown to $166.9 billion in 2020–21, up from $137.0 billion in 2016–17. However, setting up and managing an SMSF is a highly regulated process. Therefore, the key is to consult with a financial advisor or SMSF specialist to ensure you thoroughly understand your responsibilities and your fund remains compliant. At SONI Wealth, we have a step-by-step system to guide you towards the right property investment opportunities through SMSF. With our experience and knowledge, we can help you achieve your financial goals, whether you are looking to purchase property inside or outside of your SMSF. Book your 45-minute Wealth Consultation today! https://lnkd.in/dcZFCmS9 #TeamSONI #SONIWealth #SMSF #PropertyInvestment #WealthCreation 𝐃𝐢𝐬𝐜𝐥𝐚𝐢𝐦𝐞𝐫: This content is for educational purposes only and not intended as financial advice.

Property investment through SMSF continues to be a popular choice for savvy investors looking to enhance their retirement savings. As this trend grows, so do the questions. 🏡 We've compiled the 5 most common inquiries we receive about leveraging your SMSF for property investments. Swipe right to gain clarity and see how you can navigate this investment path with confidence. #SMSFInvesting #PropertyInvestment

💡 Self-Managed Superannuation Funds, or SMSFs, have become a popular way for Australians to take greater control of their retirement savings. One of the standout features of SMSFs is the ability to use leverage or debt to accelerate your wealth creation plans.    📈 In this short 2-minute video, we explore what SMSF property investors are currently buying, SMSF Loan To Value Ratios and borrowing capacity… 📉 #mabsydney #SMSF #interestrates #finance #realestate #investment #property

Is Setting Up a Self-Managed Super Fund (SMSF) Right for You? 🤔 𝗦𝗲𝘁𝘁𝗶𝗻𝗴 𝘂𝗽 𝗮𝗻 𝗦𝗠𝗦𝗙 𝗼𝗳𝗳𝗲𝗿𝘀 𝘆𝗼𝘂 𝗮𝘂𝘁𝗼𝗻𝗼𝗺𝘆 𝗼𝘃𝗲𝗿 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗯𝘂𝘁 𝗰𝗼𝗺𝗲𝘀 𝘄𝗶𝘁𝗵 𝗶𝘁𝘀 𝗿𝗲𝘀𝗽𝗼𝗻𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝗶𝗲𝘀. A lot of people are betting that the property market will keep growing and so are setting up an SMSF to purchase one. 𝗧𝗵𝗲𝘆 𝗳𝗼𝗿𝗴𝗲𝘁 𝘀𝗼𝗺𝗲 𝗰𝗿𝘂𝗰𝗶𝗮𝗹 𝗽𝗼𝗶𝗻𝘁𝘀: 🏠 All properties in Australia are not going to grow at 10% p.a. year on year.  📈 SMSFs will borrow at 2% higher than current interest rates. This means around 8.45% 💸 Will you need to make contributions from your personal cash flow to service the debt? 🏢 Strata fees can be quite high in some of these newer developments but not adding any real value to the tenant.  💼 The set-up and ongoing fees could be quite high compared to your balance.  🔍 However, if you are a business owner there are specific strategies that could work well for you. 𝗔𝗻 𝗦𝗠𝗦𝗙 𝗰𝗮𝗻 𝗯𝗲 𝗮𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝗼𝘂𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹𝘀 𝗯𝘂𝘁 𝗱𝗲𝗺𝗮𝗻𝗱𝘀 𝗰𝗮𝗿𝗲𝗳𝘂𝗹 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲. 𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘊𝘰𝘯𝘴𝘶𝘭𝘵 𝘸𝘪𝘵𝘩 𝘮𝘦 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘵𝘢𝘪𝘭𝘰𝘳𝘦𝘥 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. #SMSF #FinancialPlanning #Investment #RetirementPlanning #Superannuation

The ATO is taking a closer look at ALL new SMSF (Self-Managed Super Fund) registrations to prevent individuals from accessing their superannuation savings early—an illegal and risky move. If you’re setting up an SMSF, this is a timely reminder of how essential it is to be aware of the legal boundaries and have the right guidance. ⚠️ Are you considering an SMSF? Avoid common pitfalls and make informed decisions by consulting a licensed financial adviser. They’ll ensure your strategy aligns with your retirement goals without stepping outside the rules. 🌟 Ready to take the right steps? Book in time with me,  https://lnkd.in/ganA6as6 to keep your retirement on track and your strategy compliant! 👩💼💬 📖 Learn more about the ATO’s efforts to protect your future in the full article on SMSF Adviser: https://lnkd.in/gQ_GU3WS #SMSF #FinancialPlanning #Superannuation #ATO #RetirementPlanning

Investing in Property Through Your SMSF: What You Need to Know Thinking about buying investment property through your SMSF? It’s a powerful way to build wealth for retirement, but it comes with rules and risks. Here’s a quick breakdown: 🔑 Benefits: Rental income taxed at just 15% (or 0% in pension phase). Long-term capital growth boosts retirement savings. 📋 Key Considerations: Must comply with the Sole Purpose Test (property used only for retirement benefits). Use a Limited Recourse Borrowing Arrangement (LRBA) for loans. Ensure liquidity to cover expenses like management, repairs, and SMSF fees. ⚠️ Risks: High upfront costs (30%+ deposit and fees). Overreliance on property can reduce diversification. Non-compliance with ATO rules can lead to penalties. Buying property through SMSF can be a great strategy, but it’s not for everyone. Seek professional advice to make sure it aligns with your goals. What’s your take on SMSF property investment? Let me know below! #SMSF #PropertyInvestment #RetirementPlanning #FinancialFreedom

Your financial future is too important to leave to chance. If you're considering an SMSF or any major financial decision, ensure you're working with qualified professionals who prioritise your best interests. #SpectrumWealth #FinancialAdvice #SMSF #WealthManagement

When I talk about SMSFs, what comes to mind? 🤔 Greater control over your retirement savings? The ability to invest in a wider range of assets? Or maybe the power to buy property using your super? Well, here's something interesting: I've seen a 25% increase in enquiries about SMSFs at my accounting firm! 📈 WHY? Because with an SMSF, you can: ✅ Make your own investment decisions ✅ Borrow money to purchase property ✅ Potentially get better returns year on year But remember, with great power comes great responsibility. Managing an SMSF isn't all smooth sailing. There are: ⚠️ Compliance requirements ⚠️ Record-keeping duties ⚠️ Potential penalties for mistakes Want to know if an SMSF is right for you? Watch the full video: https://lnkd.in/gS6egWPe #smsf #propertyinvestment #superannuation #financialplanning #retirementplanning #wealthcreation

One of the standout features of an SMSF is the increased control members have over post-death super fund payments. When managed properly, this can yield significant benefits for your loved ones, not just in terms of tax optimization, but also for asset protection and seamless wealth transfer. While having a valid Will is commonly understood as crucial for distributing non-superannuation assets, what's less known is that your retirement savings in super, which can be substantial, aren't automatically governed by your Will. That's why it's vital to ensure you have the necessary documentation and tailored paperwork in place to achieve your desired outcomes for your super balance. Don't overlook this aspect of estate planning; take proactive steps to secure your financial legacy and provide clarity for your beneficiaries. #EstatePlanning #SMSF #Superannuation

Many Australians are exploring the potential of Self-Managed Super Funds (SMSFs) to invest in property and plan for the future. Whether you're thinking about retirement or seeking to grow your wealth, an SMSF could be a valuable option to consider. At Chase Wealth Australia, we’re here to help you understand the process and make informed choices that align with your long-term goals. Interested in learning more about SMSFs? Let’s connect. 💼🏡 📲 1800 292 878 🔗 https://lnkd.in/gz9R__BV 📧 administration@chasewealthaustralia.com #ChaseWealth #ChaseWealthAustralia #SMSF #PropertyInvestment #RetirementPlanning #WealthBuilding #FinancialFreedom #InvestmentStrategy #AustralianPropertyMarket #SecureYourFuture