SMSF Property

by properT network

an Australian Company

Find SMSF Property

Professional, Boutique, Personable Investment Property Consultants ... putting YOU first!

Working with you to help you source quality Investment Grade Property, to suit SMSF Investment Strategies.

Educating you for the purposes of you making an Informed Decision, choosing an astute investment grade property, to match your goals and purpose for the SMSF investment.

Always "Personalised and Professional"

Whether you need to further understand how investment property works in a SMSF, or what type of property best suits a Self Managed Super Fund, we are confident that you and your family will be impressed with the education and the results you can achieve.

Compound your Super Fund Returns through the Power of Leverage

SMSF Property

If you love property, here is another reason to get excited!

SMSF Loans

Borrowing to acquire property using your self-managed superannuation entitlements is possible, but can be restrictive up until recent positive changes.

However, this financial strategy been supported with revised legislation that will now enable super investors to plan for the future, with greater confidence, by having choice and control of what you prefer to invest in, and managing your costs in doing so.

“As consumers we borrow : to buy our home, finance a car, invest in shares and property, and we can now also borrow to acquire residential, commercial or industrial property, within our self-managed super funds”.

”The Power of Leverage … why would you borrow to invest in property with super?”

Leverage is using other peoples money when you are investing.

How this can positively impact your investment is, by way of example :

• Property $650,000
• 20% deposit $130,000 invested
• Capital Growth @ 5% pa = is on the full value of $650,000
• Rent Achieved is also on the full value of the $650,000
• After 10 years your capital growth value of the investment at 5% pa compounded could be $1,058,782
• And 10 years of Rent at only 1.5% CPI increases could be around $308,230
• And all you have really invested (aside from the loan), is $130k
• Logically, the rental income over just 5 years, will return your SMSF your original $135k deposit. Meaning your SMSF now owns an Investment Vehicle for *free

Is this good or good!  This is the power of Leverage.

*simplistic helicopter example provided to merely outline the financial power of Leverage + Compounding Returns

TAX ADVANTAGES

We recommend that you ask your financial planner/accountant, to discuss the available tax benefits to be gained by choosing to invest in property with your self-managed super fund capital. Such as:

• Capital gains tax
• Rental income tax
• Salary sacrifice tax
• Superannuation pension tax
• Writing off Depreciation against Super Contributions

Benefits of Investing in Property in your Self Managed Super Fund

Undoubtedly the greatest tax benefit associated with investing in property within a Self-Managed Super Fund (SMSF), is the potential Capital Gains tax Concession on capital growth.

As per the ATO web site : “If the property is sold while in accumulation phase after being held for more than 12 months, a 10 per cent tax rate applies. However, if that same property is sold after the super fund has converted to pension phase (in retirement), zero per cent tax applies.”

The longer you hold the property, the greater the likely capital gain, and the larger the tax benefit. It doesn’t make cents, it makes dollars!

Rental income on properties owned by your super fund is also concessionally taxed. Another fantastic financial gain within your super. As with capital gains tax, in the pension phase, no tax will apply to rental investment income, and a flat 15 per cent will apply in accumulation phase. This is also extremely favorable when comparing neutrally or positively geared property, with rental income taxed up to 46.5 per cent, for property held in an individual’s name. This is not advice, ask your accountant/financial planner to explain.

The Australian Tax Office allows individuals to make pre-tax salary-sacrifice contributions into super, paying 15 per cent contributions tax in super, whilst saving marginal tax in their own name. Which again could be up to 46.5 per cent. More after-tax dollars to invest, results in greater wealth being accumulated by you, and/or more personal debt to be repaid.

You may not be aware, that at age 55, workers (employees or the self-employed) can establish a “transition-to retirement, account-based pension”.

Your financial planner/accountant will explain how you can take advantage of this legislation and how Superannuation pension payments can be received, while working full-time or part-time. The benefits are twofold. First, in pension phase, as stated above, investments will be capital gains and rental income tax free. Secondly, pension payments made from super to an individual are also concessionally taxed and will  be tax free from age 60.

Therefore, the typical transition-to-retirement financial strategy involves swapping higher taxed salary income, with lower taxed pension income, thereby allowing additional salary-sacrificed super contributions to be made.

"How can this investment opportunity be exploited, when investing in Property using a SMSF, you may ask?"

While the rules and regulations of borrowing, to acquire property in super have been revised, they are still complex and the costs of incorrect structuring and management can be harsh.

Here are some facts associated with taking advantage of the superannuation borrowing rules, known as “limited recourse borrowing arrangements” we found online and can share with you.

Your accountant or financial planner will better advise you :  The Self Managed Super Fund needs to establish a new trust, if your SMSF will borrow funds to secure the asset. The name of this trust typically is known as a bare trust, custodian trust or security trust.

NB! Where there is borrowings, in order to avoid potential financial consequences of double stamp duties and non-compliance of the super fund etc, it is advised that superannuation structural planning is conducted, and that specialist financial guidance is sought, before property contracts are entered into and signed.

Despite the additional work and planning requirements involved in taking advantage of limited recourse borrowing arrangements within SMSF’s, the tax benefits associated with the strategy of potentially ending up with an "Income Tax plus a Capital Gains", tax-free property, making retirement all worthwhile!

Ask your accountant or financial planner to prepare a Statement of Advice on your behalf, share it with us and we will provide you with a selection of properties that could ‘best fit’ the guidelines in your statement of advice, we will also provide you with industry reports on why these properties could suit and ask that you make an informed decision prior to entering a contract of sale.

The properties which we select are purposefully matched to your reason for the investment, your requirements, preferred investment strategy and in line with your budget. The property we access is Australia wide.

Our strategy is to match the "investment vehicle' to your goals and purpose for the investment, removing emotion, ensuring the numbers which drive and underpin your investment stack up accordingly. Our 16 years experience as property consultants (plus 15 year prior experience as financial planners), compounded with your 24/7 market research allows us to identify which areas, what type of properties would 'best fit' your strategy and budget. 

"Live the life you deserve and want for yourself, through astute property investment plus a tax efficient retirement strategy to guarantee you more money in your own pocket at retirement!"

Live the Life you want and deserve for yourself.

Ask : "How much do I need to be able to retire in the lifestyle I want for me and my family ?"

Being prepared for your own Retirement is an ongoing commitment

which will have a financial effect on your next, and next, generations to come.

Commit to yourself and start Today !

"It's never too late to start saving."

The power of Compound Interest

• The earlier you start saving for retirement the easier and more effective it becomes
• It is never too late to start, each dollar extra that you create for your retirement will positively impact your retirement lifestyle you want and deserve for yourself.

Take advantage of  the power :

1. Compound Interest - phenomenal factor
2. Leverage - borrow from the bank to accelerate your own wealth planning or even lend your own money to your SMSF

"Harness the POWER of compounding interest and leverage ..."

Planning for Retirement

Planning for your Retirement begins with ...

• • Setting your preferred retirement age (ie. 65)

• Working out how many years from now it is?
  

• Scaring yourself into reality by multiplying this number by 12
  • • i.e. 24 years to retirement x 12 months = 288 pay cheque's away from retirement !!!

   

• Calculate how much in today’s money would you want to live on in 288 pay days time
  • Example:  If you decide you can live on $5,000 per month at retirement in today's money
    
    • • You would need a lump sum of $1.200, 000 to generate you $60k per annum
      • Put in a buffer for inflation and plan to save $1.5 mil

     

• Next calculate how much you need to invest every month in order to save $1.5 mil at your planned retirement age
  • i.e. If that is 288 pay days away you would need to save $2,800 every month in After Tax Dollars
    • • Is that at all possible?  DOUBT IT !

"How many PAYDAYS do you have left until the day you plan to retire !??!"

Investment Property

A time tested Investment Vehicle, to help you accelerate your financial planning goals, includes securing Investment Property, taking advantage of Leverage (using the banks money), having the tenant and tax man help your SMSF pay off the property, and thus build your retirement wealth.

Who Pays?

• You invest your Deposit (20% – 30%) as your contribution
• The bank lend you the balance (70% – 80%) to leverage your Retirement Planning
• Your tenant pays you rent and helps contribute towards your retirement
• Capital Growth is on the full 100% of the asset (the property) even though you only invested say 20%

"Use your Bank and your Tenant to help pay off a large slice of your own Retirement Planning Goals!"

Property in Australian Capital Cities has doubled in value every 7 - 10 years
Property in general, has doubled in value in Australia, every 7y to 10 years, enhancing your retirement planning strategy.

It's all about You

It's all about You

properT network is a Boutique Agency. We work flexibly with our clients like you

to fulfill your needs, which can range from understanding who you are, what you are wanting to achieve and working with you to help you get there faster by making informed and astute Investment decisions!

Like what you see? Check out more with the click of a button and let us know what you think: 

Did you know ...

As a Trustee of your Self-Managed Super Fund, you are held accountable for the selection of the asset, and ultimately the performance of your SMSF.

What this means to you is that selecting the 'best fit' property to suit your SMSF is imperative, and also vital to the long term outcome of your retirement planning.

It could be a difference of $1 Million Dollars at retirement to you! How would another $1 000,000 in your super positively change your lifestyle at retirement?

Selecting a property which does not suit SMSF investment requirements, could result in you putting your Self Managed Super Fund into jeopardy, and thus you the Trustee will be held accountable and liable for a highly punitive fine plus a lower amount in your super at retirement.

Numbers which run and underpin your investment may look like the table below the explanation

(for demonstration purposes only)

New or Off the Plan Property could  :

• Include Low Stamp duties (in most States)
•  No need to spend money fixing up to rent
• Higher upfront rent
• Higher rental income achieved and compounded, over the life of the investment
• Higher Capital Growth over period of ownership
  • Compound growth off a larger base
• Lower ongoing maintenance
• Builder guarantees and warranties
• Full depreciation benefits
• Lower Cash Flow required to fund the investment in your SMSF, means higher end value at retirement for you

Existing Property could :

• Include Full Stamp Duties
• Expense to cosmetically fix up to be able to rent it out
• Lower rent compared to the new home next door
• Lower rent compounded over the life of the investment, means less capital at retirement in your SMSF
• Lower capital growth off a lower capital value equates to less equity at retirement
• Higher ongoing maintenance costs, eat into your rental income
• Low to no depreciation benefits ensures you pay more income tax
• More cash required to fund the property every month, means a lower retirement value for you at retirement

NB :  Results of New Property could be

• 13.64% Return on Investment
• -$37 per week cash flow negative in year 1
• $3,862 Cash Flow Positive over 10 years
• $409,530 Equity in year 10 at 5% capital growth
  • $67,827 higher

New Property Financials for Demonstration Purposes only 

Note : higher rent, lower stamp duty, lower maintenance, higher return on investment, less cash needed to fund investment on a monthly basis, higher compounded capital growth

a

Cash Flow Over 10 years could be $3,862 positive

NB :  Results of Existing Property could be

• 10.52% Return on Investment
• -$87 per week cash flow negative in year 1
• -$30,881 Cash Flow Positive over 10 years
• $341,703 Equity in year 10 at 5% capital growth
  • -$67,827 lower

Existing and lower priced Property

Note : lower rent, higher stamp duty, cosmetic upgrade costs, higher maintenance, lower return on investment, more cash needed to fund investment on a monthly basis, lower compounded capital growth

Cash flow over 10 years could be -$30,881

All numbers shared across this website are for demonstration purposes only and will alter according to market conditions, the investment vehicle and other factors which will affect your investment. We are not financial planners and are not offering any financial advice, merely sharing investment logic with you. For advice, speak to your accountant or industry professional. See disclaimer for more.

Astute Investment Strategy for SMSF and Property Investment

SMSF Property Strategy

Cash Flow

How to overcome this?

• Higher Rental Income improves your cash flow in the SMSF
• Allows the SMSF to pay down the loan faster with the higher income received
• Your end retirement benefit will be higher, allowing you to live the life you deserve and want for yourself, having access to more income / cash
• It this makes investment sense to invest in an Investment Grade property which has both Capital Growth Potential + Higher Rental Income

"We guarantee to save you time, stress and help you make more money, working with us than you trying to go alone.

It is your Super after all, you would be wanting to get the decision correct at the outset, you would agree!!"

 ... quoted by Stephen Lazar director

High Yield Investment Property for improved retirement Lifestyle

Higher Yield Property advantageous to your SMSF  :

NDIS Property  click here for more

SIL Homes  click here for more

Dual Key Houses

Duplex Houses

Location(s) to suit your SMSF investment  :

Share with us your preferred location(s) and why, and or invite us to share with you a tried and tested strategy of "matching the location to suit your purpose for the investment, your investment strategy, in line with your budget". Following this strategy will help you take improved control over your future financial destiny. 

SMSF Property

Why set up a SMSF?

Did you know "Long term industry super funds return an average of only 7% pa less fees for the benefit" ... ouch!

The ATO recently published data showing that an average SMSF outperforms corporate, industry and retail funds 4 times out of six.

People who choose to take control of their own Super Destiny are achieving better returns than those who choose to remain in an industry fund ... why wouldn't you set up your own SMSF?

You are aware that industry funds include annual fees, but did you know that industry funds who invest on the back of other managed funds are paying those fund managers fees on your money being invested there. No wonder the return on your investment is so low.

Your fund manager is largely anonymous to you, where he chooses to ultimately place your hard earned funds is out of your control. Check out your superannuation statement and I am sure you have come to the conclusion that you can do a far better job yourself!

Close to 30,000 SMSF's are being set up per annum in Australia because people just like you want an element of control and choice of where your hard earned monies are going to be invested in your own Self Managed Super Fund which ultimately is your retirement destiny. You would have to agree!

With over 9% of your salary going into your retirement planning ask yourself "who is in control of my super destiny, who is making my choices for me and how is my own money being invested?"

Take Control

• Choice of Asset Class you prefer to invest in
• Take control of your own Super destiny by controlling how your own money is invested
• Opportunity to plan your investment strategy to suit your own retirement goals
• Ability to diversify your investments in your SMSF
• Understand what they are and take control of outgoing fees
• Become more hands on in managing your own finances effectively
• Roll your own super balance into your own SMSF
• Having up to 4 members allows for succession planning of Super Monies down the family line
• All contributions into your SMSF are taxed at only 15% saving you tax if you took the funds in your personal capacity
• On choosing to invest in a property you have the ability to borrow funds and leverage your retirement planning by up to 80%

Why Borrow to Invest in Property in a SMSF ?

SMSF Property

• The power of Compound Interest is Significant in maximising the return on your Investment
• The power of being able to borrow up to 80% of the value of the property enables you to
• Example of leveraging on a property value of $500,000
  • Invest only 20% = $100k
  • Achieve Capital Growth on 100% of the asset of $500,000
  • If capital growth is a consistent 5% per annum, your $500,000 will grow to $814,448 in 10 years
    • If only your $100k was working for you this would return only $163,000
    • A significant difference of $651,448 or 49.9%
• Your tenant will co-contribute towards your retirement savings plan

Astute Investment Strategy for SMSF and Property Investment

SMSF Property Strategy

Cash Flow

How to overcome this?

• Higher Rental Income improves your cash flow in the SMSF
• Allows the SMSF to pay down the loan faster with the higher income received
• Your end retirement benefit will be higher, allowing you to live the life you deserve and want for yourself, having access to more income / cash
• It this makes investment sense to invest in an Investment Grade property which has both Capital Growth Potential + Higher Rental Income

"We guarantee to save you time, stress and help you make more money, working with us than you trying to go alone.

It is your Super after all, you would be wanting to get the decision correct at the outset, you would agree!!"

 ... quoted by Stephen Lazar director

High Yield Investment Property for improved retirement Lifestyle

Higher Yield Property advantageous to your SMSF  :

NDIS Property  click here for more

SIL Homes  click here for more

Dual Key Houses

Duplex Houses

Location(s) to suit your SMSF investment  :

Share with us your preferred location(s) and why, and or invite us to share with you a tried and tested strategy of "matching the location to suit your purpose for the investment, your investment strategy, in line with your budget". Following this strategy will help you take improved control over your future financial destiny. 

SMSF Investment Strategy Legal Requirements

One of the benefits of having your own Self Managed Super Fund is giving yourself control of how your own funds for retirement are being invested.

You may be aware that as a trustee of your own SMSF, you are required by law, to prepare an investment strategy. You have the freedom to choose which asset classes your SMSF invests into, or how you want to diversify these fund’s investment, as long as your strategy complies to regulation.

Your SMSF investment strategy is then the detailed and documented financial plan created by the trustee(s) of the fund.

NB : According to the Superannuation Industry Supervision (SIS) Act here the trustee of the SMSF has a duty to select which assets are invested into for the SMSF. The trustee is also responsible for monitoring the performance of any investments and also to review the strategy on a regular basis to ensure the fund is meeting its objectives. The trustee is also accountable for the ongoing management of the funds invested for an on behalf of the SMSF.

Costs : When considering an investment strategy the trustee must project and take into consideration the cash flow requirements of the fund. Your SMSF will need to have sufficient cash flow to cover any anticipated costs arising such as : Administration fees, Tax payments, Legal fees, Accountants and Auditor Fees, Insurance, Fee for advice / service etc.

Audit : Every SMSF is required to undergo an independent annual audit, which is designed to review the investments within the fund.

The audit will check that any investments chosen are in line with the investment strategy that was created and also ensure whether the management and administration of the SMSF remains compliant with the regulations set out under section 35C of the Superannuation Industry Supervisory Act 1993 here

Diversification of SMSF Assets

Before deciding on an investment into any particular asset class, it’s important to take into account, the risk involved and the likely return that can be anticipated from any planned investments. Your financial planner should provide advice on diversification of the assets type and level of risk the varying asset class could pose in minimising the exposure of risk to your SMSF. (your problem is that most financial planners are not licensed to give advice on property! They will often try ensure you keep your funds under their management.)

Diversification means spreading the fund’s investments across a range of different asset classes and types in an effort to reduce the potential volatility of returns on investments. Depending on how many years to retirement, how much money is in the fund and a range of other elements taken into consideration whilst strategising the most prudent ways to ensuring a successful retirement.

Funds can be apportioned to include investments into: Residential Property, Commercial Property, Shares, Equities, Managed Funds, Cash, Jewellery, Art, Term Deposits etc.

Re-visit your SMSF investment strategy on a regular basis to ensure performance is being achieved as you expected and make adjustments where necessary.

Buying Property in SMSF

NB: in general, very few properties lend themselves to being Investment Grade, and in a SMSF even fewer. Ensure you get your investment choice correct from the outset!

You can purchase an investment property (Residential or Commercial) in your Self-Manged Super Fund.

Purchase outright using cash or invest the required deposit for your investment and maximise your potential through leverage by borrowing the remainder of the funds through a limited recourse loan.

Trustee Responsibility : Your SMSF investment strategy needs to ensure the ability of the SMSF to discharge any of the fund’s liabilities, including repaying limited resource loans for property investment. As Trustee you can enter into a Principal + Interest Loan or an Interest Only Loan, discuss with your financial planner which strategy best suits your overall investment strategy for the SMSF.

The loan is then funded through Rental Income and any shortfall through members contributions to the SMSF. It is thus imperative that an appropriate Investment Property is selected, meaning one which stacks up by the numbers and not your emotion.

A property with a higher rental yield will thus make sound investment sense over a property with a lower rent + ongoing maintenance issues etc.

Where there are borrowings on residential :

• a separate entity is set up usually referred to as a Bare Trust in which the property is held for as long as there is a loan over that property
• if a residential property you are not able to renovate the property (aside from minor repairs)
• cannot enter into two separate contracts such as one on the Land and another on the Build of the house
• can buy Off the Plan
• ask your financial planner about other areas to be aware of

Tip : A prudent investment strategy might be utilising the power of Leverage where you invest your 20% or 30% deposit and secure a loan on the balance. This way you are getting the bank to do a large part of your heavy lifting for you, and you now have only 20% of your SMSF funds invested, whilst the opportunity of Capital Growth is on 100% of the asset value.

Example Property Value $650k, invest $100k but Capital Growth is on full $650k (where in non leveraged situations only the money you have invested is working for you).

See investment strategy here

What is your SMSF investment strategy?

Which Properties are Investment Grade and better suited to my SMSF investment strategy?

As you may be aware, not all properties are created equal!

What this means to you is that only a small percentage of properties available make for a sound Investment for you.

In a SMSF one needs to also take into consideration the following (this is NOT tax advice) :

• • A SMSF is taxed at a maximum rate of only 15%
  • Most SMSF's earn very little income from their investments
  • Meaning one can only deduct expenses against a taxable income, and in your SMSF, the only income will come from rent or interest / dividends, which are the funds not invested in your property
  • The result is that most of your outgoings will not be deductible, and therefore your gearing (negative cash flow) could be a lot higher than if you owned the property outside of Super

It thus makes Investment Sense, to buy a Property with a Higher Rental Yield, which is in a Capital Growth Location !

What this means to the astute investor wanting to take advantage of all the other benefits of Investing in a Property in Super is :

1. It makes financial sense to secure a property in a sound location where the Rental Yields are higher
2. The higher the rent, the more improved your overall, end benefit, Retirement Savings will be
3. The property may not be where you live, which is OK as it should be viewed purely as an 'investment vehicle'
4. If you can secure a property which meets your investment strategy, with a higher rental yield + capital growth, this is first prize for your SMSF and ultimately for your retirement lifestyle

See table below for demonstration purposes only clearly demonstrating how a higher rental yield will positively effect the end benefit the outcome of your Super

[The above is calculated using the following : 5.5% interest only; 20% deposit; $10k contributions to SMSF; Including (management fees, insurance, rates, body corp etc); Including (depreciation benefits); 5% capital growth, 3% inflation - once again for demonstration purposes only to give you the general idea that a higher rental yield positively effects the outcome of your retirement planning]

"Not all properties are created equal nor suited to a SMSF !"

Based on the above examples it makes financial sense to identify which property is more suited to a SMSF, which will return you a higher return on your investment, and in a location with capital growth opportunity ... you will agree. This could mean an extra $1 000 000 (1m $'s) more at retirement for you and your family.

RETIREMENT

"Live the life you deserve and want for yourself!"

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SMSF Property

How to Take Control of your own Super Destiny to reach your own Financial Goals Faster

Free : SMSF + Property Consultation ?

The team under properT network will demonstrate how investing in an Investment Grade property in Super, will positively benefit you and your family's retirement; answer your questions, and direct you to a preferred professional to draft your Investment Strategy and set up a legally compliant Self Managed Super Fund.

Investing in an Investment Grade SMSF Property can give you :

• Control over how your super funds are being invested
• Choice and flexibility of what to invest in to maximise your returns
• Whilst electing to remain in a Risk Profile to suit your strategy for the SMSF
• Maximising tax advantages where available, thus adding further financial gain to your SMSF
• Increase revenue helping you to more easily reach your financial goals, perhaps in a quicker time frame
• Demonstrating how making the use of  the power of Leverage, can assist in accelerating your financial planning strategy, that much quicker

Not all Property is Investment Grade !

How to plan to potentially Maximise your Return on Investment in your SMSF

• Choosing the 'right' property. Know how to identify which type of property makes sound investment sense
  • Meaning which investment property will best serve as an investment vehicle, which will maximise your return on investment
  • A very small percentage of properties are suited to SMSF's - do you know how to identify which?
• Remove Emotion. The property is merely an Investment Vehicle.  Chose wisely to help you reach your financial goals effectively
  • Emotion will guarantee you a lower return on investment, it is inevitable that one will make a comfortable investment decision in line with your emotions
  • When the property is viewed purely as the investment vehicle, devoid of emotion, you will then make a challenged and an informed decision
• Identifying a property which will :
  • Offer Capital Growth potential
  • Be in a location with a low vacancy rate
  • And an already higher rental yield
    • The higher the rental yield, the higher the end SMSF value, for your retirement
• Leverage to maximise your investment potential
  • Example - property value $650k, invest $130k deposit, borrow the balance
    • Capital Growth is achieved on the full $650k
    • Meaning your $130k deposit is working that much harder for you
• Heavy Lifting in growing your wealth?
  • Either you can do the 'heavy lifting' by investing all your super funds (paying cash)
  • OR you can take advantage of the power of Leverage and get the bank and your tenant to do most the heavy lifting for you
    • The more the bank will lend you and the higher the rental income, the stronger the potential benefit for your SMSF will be
    • Maximise the magic of Compounding Investment Returns

What should you consider when looking for that Investment Property in your Self Managed Super Fund

• Location
  • Not all locations are equal. Review the property fundamentals which will underpin and support your investment over the next 7 to 10 years
  • Sound and continued infrastructure investment by government and industry attract population growth. Population growth increases demand for property to own or rent. this in turn increases capital growth and rental yields
  • Be prepared to remove emotions and perhaps look outside of where you live, when searching out that 'best fit' investment property
  • Research. Undertake research and due diligence when identifying or reviewing location
  • Being able to drive past your property, or 'knowing' the area where you live, does not necessarily make it a sound investment choice

• Capital Growth potential
  • Which locations have strong infrastructure investment, creating new jobs, attracting population growth
  • Which locations are soundly underpinned by required market fundamentals
  • Where is industry investing
  • Where is the government investing
  • Both creating new jobs
  • Attracting population growth
  • Where demand is high and supply is low

• Rent
  • Different residential property types offer different yields. Which investment property are ideally suited to SMSF investment Strategies?
  • Some locations offer lower rental yields whilst others higher rental yields. SMSF property requires higher yields to perform effectively
  • If you can find a location where you can achieve both Capital Growth + Sound Rental Yields, you will accelerate your financial planning goals more effectively
  • Why settle on a lower rental yield, because you think you know a suburb, or investing nearby, because you can feel and touch your investment?
  • Rent increases compound over the period of ownership, take advantage of the factor of compounding returns
  • Starting off on a lower rental base, will compound far lower, than starting off a higher rental base, which will compound far quicker

Compounding Returns on your Investment

• Maximise your return on investment through the Power of Compounding your investment returns
• If your Capital Growth return on investment is 7% on average
  • Starting off a lower investment base of say $400, 000 will generate you $786,860 over ten years
  • OR starting off on a higher base of $500,000 will generate you $983,575 over ten years
    • Where would you prefer to be?
    • that is a difference of almost $200,000 better off over 10 years by making an informed decision
    • and the difference to you is a mere $10k of investment =  the 10% deposit
• If your Rental Yield return on investment grows by 3% on average
  • Starting off a lower base of say $350 pw, will generate you $208,638 over ten years
  • OR starting off on a higher base of $450 pw, will generate you $268,252 over ten years
    • Where would you prefer to be?
    • that is a difference of almost $60,000 better off over 10 years by making an informed decision

See how the numbers which drive and underpin your SMSF investment property may work clicking here

Market knowledge is essential to identify which investment property is 'best suited' to ensuring a sound return on your investment. This is an acquired skill. Do you have what it takes or would you prefer to leave this up to an industry expert such as properT network who will effectively guide you!

"When you don't know what it is that you don't know, that you don't know" ... how can you make an informed investment decision ?

"Market knowledge is essential to identify which investment property is 'best suited' to ensuring a sound return on your investment. This is an acquired skill. Do you have what it takes or would you prefer to leave this up to an industry expert such as properT network who will effectively guide you!"

SINGLE CONTRACT SMSF PROPERTY

properT network

Help our clients source Investment Grade property Australia wide

 SMSF Property Queensland, South East Queensland and Brisbane

click here

SMSF Property Victoria, Regional Melbourne and Melbourne

click here

Other Locations

Perth, Sydney, Adelaide, Canberra or share your preferred location with us.

properT network access Investment Grade Property, suited to SMSF strategy Australia wide.

Our strength is in sourcing property suited to your preferences, investment strategy, purpose for the investment, in line with your budget and matching a selection of best fit property to meet these requirements, head on!

Needs Analysis

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Understanding who you are and the purpose of your investment, what your retirement goals are, the type of investment vehicle you are wanting.

If it is a property what do you want the investment to achieve for you?

Location preferred or open to discussion?  What is your investment budget, when do you want ownership, the type of property etc?

Introduction to a SMSF Accountant

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If your SMSF is not set up, we can introduce you to an Accountant who will help you set up the correct structure, to meet your legal requirements.

Where there will be borrowings, a Bare Trust is required, in which the property will be held, whilst there is a loan in place.

Your SMSF requires an annual audit, the accountant will ensure this happens for your SMSF to remain complient.

Carefully crafted elements coming together into an all encompassing service

Saving you time, stress and money compared to trying to do it yourself

Our Purpose, Process and your Payoff ...

Carefully crafted elements come together into one amazing service.

Guaranteed to save you Time, Stress and Money in doing it yourself!

Get to know you, and you getting to know like and trust us

Sharing with you who we are, how we work and how our clients benefit from working with us

Understand your goals & objectives for the Investment Property

What is your "why",  your purpose and reasons you want to secure investment property"

Have you spoken to a Financial Planner or an Accountant?

What have they shared with you .. what is your current thinking?

The Property

What type of property are you wanting to invest in?

House, Townhouse or Apartment

Existing Property

or Off the Plan

Will you be using the power of Leverage?

How much deposit do you have in your super that you want to use for your investment?

How much can you borrow?

Have you spoken to a Mortgage Broker yet?

OR will you be paying cash for the property?

Cash Flow

Do you want to be Cash Flow Negative?

or Cash Flow Positive whilst building your Wealth?

Location

When do you want to have Ownership or the property to be completed to fit in with your financial planning goals"

"Location is an all important aspect, what locations do you not want the investment property to be in?

Or are you open to discussing location to suit your purpose, budget and requirement for the investment?

Market Research

At properT network we undertake our Market Research 24/7, have been doing so for 16 years, ensuring our due diligence stacks up to meet your own requirements

When we know what you are wanting, we source and present a selection of properties which best fit your 'why'

Provide you with reports & market information that adequately support the reasons why these properties tick an astute investors boxes

Invite you to undertake your own due diligence against what we have shared

Ask that in reply, you come back to us with your reasons why what we have shared does not tick your boxes or why they do, so that we have a clear understanding of your thinking

We encourage you to being open to being challenged as are we open to being challenged

We invite your questions and encourage your full transparency in sharing your thinking or sharing other property you are considering

All for the purpose of you coming to an informed investment decision, saving you time and helping you improve your opportunity of making more money for your SMSF

When we have a detailed understanding of the above and more,

only then will we offer recommendation and discuss location etc,

after which we will go to market and source properties

which 'best fit' the purpose for your investment

that meets your budget and yield you want and need

whilst avoiding squeezing the Wrong Property into your budget!

We have always owned and invested in property, and understand how the numbers which drive and underpin this incredible investment vehicle work.

Our strength is matching your requirements, budget, purpose for the investment etc, to a selection of 'best fit' Investment Grade, investment properties; and share our reasons why this selection makes investment sense. After which you undertake your own due diligence, share your thinking, questions and feedback which we will then discuss to assist you in coming to an informed investment decision.

"Our philosophy centered on client relationships"

Our philosophy is centered on placing you first at all times in growing our relationship

• Get to know you, understand your needs, investment objectives, concerns then provide customised solutions to suit.
• properT network is a professional flexible Investment Property Strategy group, working with clients like you to fulfill your needs for your SMSF.
• We achieve an understanding who you are; what your preferred investment strategy is; the type of property you are wanting. We then source a selection of properties, which best match your goals, and present supporting information on why these properties are a 'best fit' for you.
• We undertake our due diligence into the Australian property market 24/7, and share with you which locations, and which properties in those locations, 'best fit' your own goals. Saving you time, stress and helping you make more money.
• We encourage you to undertake your own due diligence based on what we share with you, and come to an informed decision. Whether that be a no or a yes; so long as you can make an informed decision.

"Is that fair?"

Investment Planning Process

The investment planning process begins with the Discovery Meeting, where we focus on "what is important about money and investment to you?" Our objective is to understand your personal goals, feelings, values, current financial situation and interests and where you hope to be by when.

Ultimately, our mutual objective is to make sure we are a 'good fit' to ensure a successful relationship.

We employ a disciplined process to develop strategic investment solutions to meet your needs, because planning for your own future can be daunting.

We assess your situation with empathy and the utmost of care; getting to know you and your requirements, and only then providing what could be a solution designed to help you reach your goals.

This step may involve collaboration with other specialists, as well as working in concert with your existing advisors. To build a comprehensive strategy that is focused on you and your financial goals.

With the 'heavy lifting' done, we will work with you to implement your customised strategy. This involves the selection of specific investment vehicles, best suited for your portfolio strategy. Your strategy will be predicated on the core investing principles of diversification* and the critical importance of managing risk.

A key to this step is your involvement in the process of communication of any significant changes in your life.

Assuring you of our prompt, professional and personal attention at all times, now and into the future, as and when you continue to expand your Investment Portfolio.

Yours Sincerely

Stephen Lazar

Director @ properT network

Mob : 0413 108 125