SMSF investment

The super laws demand that trustees formulate and implement an investment strategy, and consider any super fund investment in light of your fund's investment strategy.

You must also ensure that your super fund doesn't break any special super investment rules. Year in year out the three most popular investment classes for SMSF trustees are: direct shares, cash (and term deposits) and direct property.


Self-managed super funds also invest in listed and unlisted trusts, other managed investment schemes, debt securities, derivatives and instalment warrants, collectibles, overseas investments and other investments.

Set out below are all SuperGuide articles explaining SMSF investment.

Is property a good investment for your SMSF?

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Over recent years, I have lost count of the number of times I have been asked whether I think property is a good investment for an SMSF. The question (is property a suitable investment for an SMSF?) is an important one, and the need to ask such a question by readers, associates and even friends … [Read more...]

SMSF borrowing: Investing in property (what’s OK and NOT OK)

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If you run a self-managed superannuation fund, you can invest in all types of real property, including residential property, commercial property, industrial property and even a farm (under certain circumstances). Before September 2007, the capacity to use borrowed money to purchase an SMSF asset, … [Read more...]

SMSF basics: Can my DIY super fund buy my residential investment property?

apartment

Q: I own a unit as an investment property. I would like to keep this unit as long as possible. The unit is a safe income stream and a safe haven against market uncertainty. However, if I have to sell it later, I won’t be able to put the money into my SMSF because of the work test (as it is virtually … [Read more...]

SMSF investment: Can we sell fund assets to members?

land

Q. We understand that SMSFs cannot purchase property from members. What we want to know is whether members can purchase property owned by the SMSF, providing fair market valuation is paid for this? Does the valuation need to be established through a valuation, or is an appraisal sufficient? Our SMSF … [Read more...]

SMSF investment: Purchasing overseas property

realestate

Q: Since we can now use super to purchase real estate, is this also true for property in the United States? Can you provide me with some guidance on how I could find out the process and correct entities to establish in order to do this? Thanks. A: Before I answer your question, I need to clarify … [Read more...]

SMSFs: How do I calculate CGT on an asset sale?

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Q: If I purchased a rental property in my SMSF for say $200,000 five years ago and the house is now valued at $300,000 in the SMSF what will be the capital base for the calculation of future capital gains tax (CGT) if I sell the house? Will it be the original $200,000 or the $300,000? A: I am … [Read more...]

SMSFs: Selling a property asset and CGT

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Q: If my self-managed super fund (SMSF) owns an investment property, and the SMSF later sells the property, what is the amount of capital gain tax payable by the SMSF? A: Before I respond, please note that anyone considering the tax implications of a strategy or investment decision should speak … [Read more...]

SMSF investment: Can my DIY super fund invest in direct property?

Bricks

Q: I am interested in setting up a self-managed fund. I would like to know more about the rules for purchasing property in a super fund, and whether it is possible to use borrowings to do so. A: A self-managed (DIY) super fund can invest in all types of property, including residential, … [Read more...]