How To Buy Investment Property Through SMSF (Self Managed Super Fund) In 2024

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Australian Property Mastery with PK Gupta

Күн бұрын

Did you know you can invest in Australian property through your SMSF (Self-Managed Super Fund)?
💰 Even if you have 'maxed-out' your own borrowing capacity, you may still be able to get more real estate assets through your 'Super'.
In this episode the lovely and down-to-earth Bernadette Christie-David from Atelier Wealth joins me to discuss:
👉 What is a SMSF and why should you set it up?
👉 How much do you need in your SMSF to buy a property?
👉 How much does it cost to set up a SMSF and step-by-step process to do it?
👉 How to supercharge your borrowing capacity and minimise your tax?
👉 Who should NOT buy property in a SMSF?
👉 Key actions required in buying a property through a SMSF?
🏠 This episode might just get you another couple investment properties and tens of thousands of extra passive income in retirement!
Enjoy ✌️
#smsf #propertyinvestment #borrowingpower
Chapters:
00:00:00 - Introduction to Self-Managed Super Funds (SMSFs)
00:04:59 - Investing decision and setting up an SMSF
00:09:58 - The Minimum Deposit in SMSF Lending
00:14:57 - Understanding SMSF Contributions and Regulations
00:20:00 - The Role of a Financial Planner
00:24:51.000 - Unlocking the Benefits of SMSF Lending
00:30:12 - The Process of Buying Property in an SMSF
00:35:05 - Property Investment Through SMSF
00:39:37 - Last Words of Wisdom in the SMSF Space
00:44:23 - Thanks for Watching and Listening
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The Listener, Reader or Viewer acknowledges and agrees that:
• Any information provided by us is provided as general information and for general information purposes only;
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#PropertyInvestment #PassiveIncome #Australia #RealEstate

Пікірлер: 129

@AusPropertyMasteryWithPK 4 ай бұрын

❤ JOIN THE COMMUNITY & GET FREE SUBURB TIPS + STRATEGIES 💡 Private Facebook Group With Over 40,000 Clients & Investors 👉 facebook.com/groups/passiveincomethroughproperty 💡 Top Ranked No "BS" Podcast On Spotify/ iTunes/ Google 👉 consultingbypk.com.au/podcast/

@wadosbarbados3453 4 ай бұрын

Yes, would love a whiteboard session. Running the numbers on my newly purchased SMSF property & how it has to perform compared to if I had’ve kept depositing into my high growth industry fund. Hoping I’ve calculated correctly.

@SteveTyurin 2 ай бұрын

I never realized the level of control you have with an SMSF compared to traditional retail funds. Definitely considering this for my future investments

@ArnoldScerrets 2 ай бұрын

My brothers and I established our SMSF 2 years ago with the aim of owning 5 commercial properties. Our managed account starting at $700k, has appreciated by $1M in just the past year, if we made our research sooner we might have done a few properties already

@PeterParkar-nk6dw 2 ай бұрын

you are lucky to have made that in the time it took

@ArnoldScerrets 2 ай бұрын

That's precisely why we conducted a thorough research, which led to Emily ava milligan, who happens to be one of the best fund managers, our steps were calculated, not by luck

@MikeDavis-zg2ud Ай бұрын

After copying her name and pasting it into my browser, her website popped up. Thanks for the share

@michaelbender5934 3 күн бұрын

Hey PK, fantastic video thanks to Bernie and yourself. Hopefully we’ll see part two 🤞🏼🙌🏼

@piecesasian 4 ай бұрын

My husband and I recently set up a SMSF. It's quite overwhelming. Yes, I agree, self-education is crucial, and it requires lots of patience. Thank you for this video and for sharing some great tips.

@kevinmok-hb8dy 3 ай бұрын

Amazing Video!! Thank you for your time and insight PK and Bernadette.

@rajvankadara3657 3 ай бұрын

YES for the 2nd Part Please. Very informative PK & Bernie

@marcoschena99 2 ай бұрын

Good session guys. The in species transfer tip was a good one, I didn't know that, thanks. We have a property in SMSF - you need a lot of patience especially if you are self employed. Never settle for less than 60 days. We had to have a sizable cash or cash equivalent with the loan, which I must say has probably done better in the last 6 years than the property itself. I am glad we did it though.

@jameslin12171 4 ай бұрын

Yes for part 2. Thank you both.

@bernadettechristie-david1442 4 ай бұрын

Thanks for your feedback! If there is enough interest, I'm sure PK will arrange the session =)

@varkeyvettoor 4 ай бұрын

Wonderful video. Very helpful. Thanks PK and Bernadette for your generosity to provide these insights for free to us.

@AusPropertyMasteryWithPK 4 ай бұрын

Thanks for the feedback!

@jenydiaz107 4 ай бұрын

Yes for 2nd part. Thanks PK and Bernadette.

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@fayyazrehman2070 4 ай бұрын

Very informative podcast. Excellent stuff PK

@louieisme 4 ай бұрын

My wife and I are just looking at SMSF to buy property. This is very educational! Thank you PK and Bernadette.

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@louist7295 4 ай бұрын

Very helpful video. Thank you PK😊

@fp8645 4 ай бұрын

SMSFs are really good way to add to your portfolio. Keep in mind interest that you pay with these are bit higher. Also, factor in compliance cost. I set one up myself last year and I think it’s quite straight forward. Be mindful when you execute the Bare trust (asset holding entity). Bare trust execution date is very important. Each state has different rules. For example: NSW execution of the bare trust has to happen after the contract execution (exchange date of the contract)-if not you will end up paying double stamp duty. Great content PK. Thank you!

@AusPropertyMasteryWithPK 4 ай бұрын

Cheers.. some good points from the video!

@bernadettechristie-david1442 4 ай бұрын

Cheers! Yes, a few of those points are covered in our conversation too.

@Warlowisnumberone 4 ай бұрын

Sooooo good! Thanks so much for this! Been thinking about this for a while now and thinking it might be time to pull the trigger!

@AusPropertyMasteryWithPK 4 ай бұрын

Good one!

@bernadettechristie-david1442 4 ай бұрын

Awesome! #actiontaker

@imhosydney 4 ай бұрын

Great intro to whet the appetite!

@bivianagutierrez8250 4 ай бұрын

Yes !! part 2 . Thanks

@msabuj009 4 ай бұрын

Thank you both. Great video. Lots to learn. I saved this one. I have to watch again.

@AusPropertyMasteryWithPK 4 ай бұрын

Lots to take in in this one!

@bernadettechristie-david1442 4 ай бұрын

Definitely, the more we hear, the more we understand. Thrilled to be a small part of your property journey!

@milindakankanange5404 4 ай бұрын

Great material. As a mortgage broker myself wbo has not touched SMSF space much it was a great info.

@watchsachin36 4 ай бұрын

Good stuff and a lot of detailed information , very well articulation of questions PK to de-clutter the complex topic !

@AusPropertyMasteryWithPK 4 ай бұрын

Thanks mate

@bernadettechristie-david1442 4 ай бұрын

SMSFs are often seen as confusing but with the right team they'll help demystify and understand how they can work for you!

@ronlal7984 4 ай бұрын

@bernadettechristie-david1442 Thank you Can you provide links to your company .

@PradyVK 4 ай бұрын

Great show PK , brilliant content 👏

@bernadettechristie-david1442 4 ай бұрын

Thrilled you enjoyed our conversation, thank you for your feedback!

@slingyz84 4 ай бұрын

Great Video! Yes to whiteboard sesh!

@AusPropertyMasteryWithPK 4 ай бұрын

More to come!

@bernadettechristie-david1442 4 ай бұрын

Would love to make this happen =)

@daveakawizz9544 3 ай бұрын

That was very helpful

@digitalnomad87 3 ай бұрын

Another gem of a video ! Certainly made me thinking closer to setting up smsf as opposed to couple of years I was thinking. Second part of video would be much appreciated with some more detailed aspects like setting fee range, tax implications, CG, and some numbers how it can outperform traditional super which also can be 10 percent annual. Thankd Bernie and PK, great video :)

@GrowthMindset_J 17 күн бұрын

Yes please do a part B to explain in-depth topics

@catherinebakkali2235 Ай бұрын

Super insightful, thank you so much! I'd love for you both to do a whiteboard session about SMSF!!

@imranAkMemon 4 ай бұрын

Great video with lot of knowledge sharing

@AusPropertyMasteryWithPK 4 ай бұрын

Glad you enjoyed it

@bernadettechristie-david1442 4 ай бұрын

Awesome feedback! Thank you

@kevinmok-hb8dy 3 ай бұрын

YES PART 2......!!!!

@San-qm7mm 4 ай бұрын

Yes for part 2

@user-uu6oe9qo6u 2 ай бұрын

yes for a deep dive

@gowrikuchimanchi7158 4 ай бұрын

Yes for the 2nd part

@bernadettechristie-david1442 4 ай бұрын

Would love to make it happen =)

@prabhuraj1557 3 ай бұрын

yes for part 2. great video...very much informative. thanks both of you... would like to hear about tax implications like whether negative gearing is applicable here, etc

@ahalam100 Ай бұрын

Yes for part 2.

@Vanillabeanfan 4 ай бұрын

Great video what about if say the kitchen or bathroom needs renovating ??? Can that be done

@dbhardwaj04 Ай бұрын

Hi @Pk, that last part about transferring commercial to SMSF was the great tip and without paying stamp duty. need to do some research on that... this is so great and hard to believe

@robi19able 23 күн бұрын

Yes for second part.

@weishi8620 2 ай бұрын

The interest is so high on SMSF loan, the last time I asked was over 8%. The average annual property growth is about 5-8%, plus the associated cost is a lot higher than normal investment property. Unless the interest rate comes down significantly, or you can pay more than 50% of the property price.

@onurkagan5080 4 ай бұрын

Thanks very informative. Would really like a part 2 and I have some questions. Can you sell the property before you retire? If so what are the fees? (capital gains tax etc.) If you got pay rises and increased rent Can you use equity from the initial property to buy a 2nd property?

@nataliyaallen2700 4 ай бұрын

What a great and informative video. You both spoke and explained so well and you are easy going, lovely individuals. Well done. Just a small comment to mention further details about a bare trust setup. You do need to have an exact property address when you establish a bare trust. I don’t think it can be prepared beforehand ( unless you manually add the address into the deed?) Many thanks again for a great video. 👍

@AusPropertyMasteryWithPK 4 ай бұрын

Thanks!

@paulmantel5217 14 күн бұрын

great podcast - yes a whiteboard session would be awesome

@gracehuang4238 4 ай бұрын

Yes

@bharath1992007 4 ай бұрын

Amazing Amazing PK and Bernadette, every couple of moments I had aha moments. Working in superannuation, it's fascinating that this is such less known knowledge. Great session, more success to you both!

@bharath1992007 4 ай бұрын

And of course, YES! for a deep dive!

@AusPropertyMasteryWithPK 4 ай бұрын

Thanks mate!

@user-ck8ng9fx3c 4 ай бұрын

Yes please for the white board session 🙏🏻

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@davidclarke676 4 ай бұрын

One thing I learnt from my financial planner is once you have paid off the loan for your property within the SMSF you can use the equity from that property to purchase another one in the fund.

@AusPropertyMasteryWithPK 4 ай бұрын

Interesting!

@imhosydney 4 ай бұрын

Great chat to whet the appetite into this useful ( and generous) additional avenue to get another property (with or without leverage) in a completely quarantined way from the rest of your life. Lots of rules and pitfalls. The more you learn the more questions you have! A few whiteboard egs definitely might speak a thousand words eg 1. costs for set up plus maybe a p and l ongoing per annum of this investment property part of a smsf. 2. columns comparing and contrasting investment in own name vs smsf. Idea of holding orher assets for diversification in smsf eg share portfolio. Possibly using dividend and interest income as extra funding? Limits on financial benefits if it becomes a big fund or capital gain. Are there ways to add value to property without contravening rules? Inability to refi cash out is important to know but can you refi the lender? What types of loans can you use? Thoughts on how long this generous policy of the government might last? Perhaps date time stamp it at the beginning. Thank you.

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@msabuj009 4 ай бұрын

And Yes to whiteboard

@bernadettechristie-david1442 4 ай бұрын

Me too, thanks for the feedback =)

@user-tr8dl4fb3q 3 ай бұрын

So i wonder after all expenses ,what minimum percentage of capital growth is needed to cover costs and out do a retail fund

@fredsalfa 2 ай бұрын

I’m going to do that with my Super and I’ll contact Bernadette

@vasudevsatapara4547 4 ай бұрын

Can we buy property another country by using SMSF ?

@user-wg8ts3eq3k 2 ай бұрын

Can you whiteboard an example of a property purchase thru super, i.e., the calculation and costs?

@roxychic367 20 күн бұрын

If the property has a granny flat at the back of it before it’s purchased by me and placed into smsf can that also be rented out as two dwellings under the smsf? Should we be on the look out for properties that have that configuration already part of the sale?

@mandirakarki4267 4 ай бұрын

Just a quick question, will having a loan through SMSF have any implications later on the borrowing capacity from your individual account?

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@user-tr8dl4fb3q 3 ай бұрын

Yes p- 2

@ThinThinHan85 4 ай бұрын

Yes for Part 2 PK. such an informative video for SMSF. I am your client in the course PK. I am doing researching SMSF for our next property PK. any chance I could get contact of Bernadette? Thank you

@haywirekwek 4 ай бұрын

Yes part B please 😂

@kansingh5716 4 ай бұрын

Rba is making us tap out when it comes to borrowing at the moment

@bernadettechristie-david1442 4 ай бұрын

We can still explore SMSF lending - 9 times multiple on the income you receive into the SMSF!

@jamestilwari2799 4 ай бұрын

If the funds are short in an SMSF can one add funds from bank savings account?? Or if needed in case of emergency can one transfer money from SMSF to bank savings account...??

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@paulung1034 4 ай бұрын

Hi PK & Bernadette, thank you for this informative video. Iam very interested in this SMSF investment opportunities. I would like to speak to Bernadette further to find out my borrowing capacity. How can I get in touch with you. Thank you in advance.

@AusPropertyMasteryWithPK 4 ай бұрын

Just search her on LI or google atelier wealth

@abhisheksingh-ns4dl 4 ай бұрын

Can you add money from your bank account to SMSF or can you transfer money from SMSF to your bank account in case of emergency

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@giuseppe2588 2 ай бұрын

How to contact this lady to have advise??? I’m really interested please

@jimm3379 4 ай бұрын

WLTH offer LMI, 90% LVR for SMSF.

@AusPropertyMasteryWithPK 4 ай бұрын

Wow!

@nssapal8640 4 ай бұрын

Can anyone please advise how to add an existing investment property to SMSF?

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@am1296 3 ай бұрын

I don't think you can

@roseyjojo 4 ай бұрын

Hey PK how can we contact Bernadette

@AusPropertyMasteryWithPK 4 ай бұрын

Hey her company name is in the description :)

@ellenmcaleese7004 3 ай бұрын

My understanding is that cbus is a - not for profit INDUSTRY fund. Not a RETAIL fund which is for profit. Is she using industry and retail funds as interchangeable terms? and not clearly stating the difference?

@rakeshkumarjagdishsingh5512 4 ай бұрын

Yes to whiteboards

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@shaneskillzrepresent 4 ай бұрын

i guess you can only be negatively geared up to amount of super contributions + rental income otherwise you'd empty your super balance just holding the property so you really want as much of a cashflow property as possible - hard with these rates and house prices i would say?

@AusPropertyMasteryWithPK 4 ай бұрын

The lvr is generally lower in smsf

@x.mhuang631 4 ай бұрын

You actually can borrow more than 80% in an smsf loan

@Hayden-bs3oz 4 ай бұрын

How? Who through?

@Tele_Gramchannel0 4 ай бұрын

@officialpkGupta That's his new telegam...using the user-name. He often reply on it...Questioning Admin.

@Hayden-bs3oz 4 ай бұрын

@Adminchannel0 wut? Your not admin, my question wasn't directed at you nor did op post a question, they made a statement.. and who even uses telegram🤦‍♂️😆 Bro...🤦‍♂️

@rahulsham4014 4 ай бұрын

SMSF > Crypto > Real estate

@marton7949 4 ай бұрын

Sounds like a headache

@markwilliams3245 4 ай бұрын

They are. Bigtime. U need a really good accountant who can guide you.

@joncandyfliprecords 4 ай бұрын

Doing this right now PK - setup in August last year and about to pull the trigger on our first IP in the SMSF in 2024. This might be a small warning for those that do this actually: it can be quite a long runway to get everything setup in your new vehicle, especially if you do it with your partner in a joint SMSF, as those institutions that hold your old individual Super balances are not Super keen to release them (see what I did there?). There's nothing in it for them but a loss, so they drag the chain. Seems perhaps you found the same initially? After you've jumped thru some sizeable hoops, you'll get access to your money, but my advice is don't expect it to be necessarily quick. 🙂

@huymanutd 4 ай бұрын

hi mate, congrats! So it can be lengthy process if it's a joint SMSF and an individual SMSF would be quicker, would you say?

@joncandyfliprecords 4 ай бұрын

@@huymanutd only quicker in that you are moving one super balance instead of two, so need to ask one company the one time, yes.

@bharath1992007 4 ай бұрын

Hi mate, that's Super helpful. Any tips on how you could move things quicker for realise of funds if one wishes to go the SMSF way

@joncandyfliprecords 4 ай бұрын

@bharath1992007 2 options for notifying your old Super fund. One is to contact them direct, with a number of identity docs all ready to go. They'll ask for certified/witnessed copies of your license and passport (100 points) as a minimum, so getting those ahead of time from a JP/Police Station etc will help. They'll also want all the info on your newly setup SMSF - it's trustee deed, it's bank account details, and the official guff that says you control it. So get that ready too, beforehand. The second way is to notify the ATO that you are switching. Officially, the ATO will tell you they are controlling it from that point onwards, but all they do is notify your current Super fund that your request to switch to an SMSF, is now a live request with them. The ATO won't do any follow up or leg work to rush it along. So your Super fund will just contact you anyway, and ask for the same things I went through above, but it might all take a while longer. So stick with Option 1: gather the paperwork beforehand, and notify your current Super fund yourself, so when they ask for all the docs, you can tell them you have it all ready to forward and would they please hurry it all up! 😆

@teresazhang3766 4 ай бұрын

i have heard it takes about 6 months or so for the setup process...would that be right?

@peter-r3848 3 ай бұрын

i thought no stano duty when you buy through SMSF-Do you pay stamp duty in SMSF? SMSF trust deeds are generally stamp duty-free. However, the Northern Territory and Tasmania charge nominal fees on SMSF trust deeds. The State Revenue Office also exempted stamp duty on a property that is being transferred from an SMSF trustee to a member.6 Oct 202copied please let meknow VIC/Bris/perth