Tax and legal advice

How to invest in property through your SMSF

By Reporter

If you’ve ever wanted someone to explain SMSFs to you without all the gobble-de-gook commonly associated with superannuation, this hits the mark.

Title: How to invest in property through your self managed super fund

Author: Martin Murden

ISBN: 978-0-9870849-0-3

Price: $29.95

Blurb: In this informative book, superannuation expert, Martin Murden, looks at this investment strategy from all angles:
- Comparing direct and indirect property investing
- Buying property with cash or borrowings
- Considering what your SMSF can and cannot buy
- Buying with partners
- Understanding how investment property is taxed
- Selling property - before and after retirement
- Managing your investment property in retirement

Most suited to investors who: Are familiar with property but new to SMSFs

SMSFs are becoming hugely popular, and we are receiving questions about how to start one and what to do with one frequently. This is a surprisingly easy read that may answer some of those questions.

Covering off the basics of different types of property, Mr Murden early on explains that “This book is not a book about property investment per se (there are plenty of good books on property investing)”. He provides brief comment about what features of different assets to be aware of, before getting on with what the book does best – explaining what can and can’t work in an SMSF, the basics of the rules and how it compares to personal ownership. He also covers a number of slightly more 'niche' SMSF areas (such as overseas property investing) that may get you to consider other types of investment.

Including information about borrowing, succession planning and record-keeping, it’s a good starting point read for investors keen or confused about SMSFs. The case studies throughout are excellent at describing situations that can seem confusing when we are only reading the legislation. There are also helpful diagrams, bullet points and checklists that are invaluable for breaking down information into easily understandable pieces.

The book does become more complex as it goes on, however if you read it chronologically - and resist the temptation to jump to chapters that sound intriguing - it is far easier to digest.

One little ‘investor beware’ is that some of the rules may have changed since printing (and may be set to change again). Published in 2011 by Major Street Publishing, SMSFs are a fast moving area and all investors would be well-placed to seek out confirmation of any particular points they read.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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