Tax and legal advice

SMSF Portfolio Diversification

Promoted byDHA

Diversification is one of the key ingredients of successful investment and helps to spread your overall investment risk. Diversifying your investment across a number of asset classes and investment types can help smooth out market fluctuations and pave the way to a relaxing retirement.

According to ASIC,[i] “Diversification won't guarantee gains or protect against losses, but it should help you achieve more consistent investment returns over time”. By diversifying your investments, you can achieve smoother, more consistent investment returns over the medium to longer term.

Asset classes and diversification

Diversifying your self-managed super fund (SMSF) means including a spread of asset classes such as cash, fixed-interest, property and shares. As well as ensuring that the SMSF has the sole purpose of providing retirement benefits to its members, SMSF trustees are obliged to consider diversification as part of their fund’s investment strategy. 

Particular asset classes will generally perform differently over different periods depending on a range of factors such as interest rates and current market conditions.  By spreading your risk across different asset classes, you are less likely to suffer a big loss because one sector of the market is performing poorly.

Regular review of your investment strategy

A key part of considering an SMSF’s investment strategy is to understand what stage of life the members of the fund are at: are they starting the accumulation of their retirement assets, or are they almost ready to draw down on them? Each stage of life requires a different investment approach impacting the type of property investment that is most suitable for them.

It is important that investment strategies are regularly reviewed based on current circumstances or if changes are made to investment goals.

Why invest in property?

According to the Australian Taxation Office’s (ATO) most recent SMSF report, residential property holdings within SMSFs increased by 17 per cent in the year ending March 2014, from $17.5 to $20.5 billion. This represents just 3.7 per cent of the total $558 billion worth of assets administered by SMSFs throughout this period.

SMSF property investments are predicted to experience continued growth as more people look to gain control over their retirement future. The SMSF Association reported that “Self-Managed Superannuation Funds are the fastest growing super division in Australia,” with more than 1,044,000 members and 550,000 funds.[ii]

The main reason for our increasing interest with SMSF property investment is that, until 2007, it was only an option for those who had enough capital within their existing fund to purchase property outright (ie. without borrowing against the property).

In 2007, the government introduced new legislation that allowed Australians to establish limited-recourse loans to acquire SMSF real estate assets, opening this investment option up to a wider range of investors.

The benefits of SMSF property investment

The residential market has historically returned around 6.8 per cent capital growth per annum (and 3.5 per cent net yield). Property investment is worthy of serious consideration for any SMSF portfolio due to the reliability and consistency of housing as a commodity.

Secure government-backed property investment

Australians seeking secure property investment in their SMSF may be interested in Defence Housing Australia (DHA). DHA investment properties are located in most capital cities and major regional centres. DHA offers investors a guaranteed long-term rental income for up to 12 years, and because DHA is backed by the Australian government, it's a secure investment option.

All of DHA’s investment properties undergo an annual rent review, and your rental income won't fall below the starting figure, even if the property market does dip. DHA will also look after the day-to-day aspects of your investment – paying your rent, managing your tenants and taking care of repairs and maintenance.

Enquire online to find out more about investing with DHA.

Investment is subject to DHA’s lease terms and conditions. Investors retain some responsibilities and risks, including property market fluctuations. The advice contained in this article is for general information only and prospective investors should seek independent advice.

 

[i] https://www.moneysmart.gov.au/investing/invest-smarter/risk-and-return/diversification, 2015

[ii] http://www.investorsdirect.com.au/whats-all-the-fuss-with-smsfs/, 2015

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About the Blogger

DHA

Defence Housing Australia (DHA) provides quality housing and related services to Defence members and their families. To meet their Defence housing obligations, they are active in Australian residential housing markets, acquiring and developing land, and constructing and purchasing houses.

Each year, DHA sells a portion of its portfolio through a property investment and leaseback program. Revenue generated from this activity is DHA’s primary source of capital. It funds DHA’s operations and enables the continual provision of quality housing to Defence members and their families. In turn, investors benefit from DHA’s property expertise and the security of a DHA lease agreement.

FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
object(stdClass)#1287 (52) {
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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

" ["fulltext"]=> string(2893) "

In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Launceston
Raceview

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They weren’t even living together at the time. 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A joint property portfolio before they were even living together

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