A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. Unlike industry or retail funds, an SMSF gives the members—usually family or business partners—direct control over where their retirement savings are invested. While it comes with greater responsibility and strict ATO compliance requirements, it offers unparalleled flexibility for those looking to take a proactive role in their financial future.
Key Benefits of SMSF Property Investment
Direct Asset Control
You choose the specific Queensland property you want to hold in your fund, rather than a nameless share of a large portfolio.
Tax Efficiency
Rental income is taxed at a concessional rate of 15%, and capital gains may be reduced or tax-free if the asset is sold during the pension phase.
Leverage for Growth
Borrowing within your super allows you to purchase a higher-value property than you could with cash alone, potentially accelerating your wealth creation.
Business Real Property
Business owners can purchase their own commercial premises through their SMSF, paying rent back into their own retirement fund.
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Empowering Your Retirement Strategy
Many Queenslanders don't realise that their superannuation can be used for more than just stocks and bonds. At The Queensland Mortgage Company, we bridge the gap between your super fund and the property market to acquire residential or commercial assets that align with your long-term wealth goals.
