Tax and legal advice

Investors ask: SMSFs and property

By Martin Murden

"I have an investment property in my SMSF and it is providing some cash flow. I can put in the extra $25,000 contribution each year to my SMSF, or I could use it to build a property portfolio outside of the fund. What's the best approach?"

If you are in receipt of a salary, your employer has to pay 9.25 per cent of your salary into a superannuation fund as a compulsory contribution.

If the money is paid intp a complying superannuation fund, the payer receives a tax deduction and your fund pays 15 per cent tax. The exception to this is that a higher rate will apply if your income is greater than $300,000. Should some or all of the $25,000 have been received by you, it would be treated as taxable income and taxed at your marginal tax rate, which could be as high as 46.5 per cent.

When the property is negatively geared, there is an advantage to owning it outside an SMSF - any losses are offset against other income. For an SMSF, a loss of $1,000 is only worth $150 of tax saved. Your marginal tax rate will determine how much tax you save on investment property owner in your name.

When it comes to selling the property having owned it for more than a yearand assuming there is a profit, 50 per cent of profits made personally are exempt from tax and the balance is taxed at your marginal tax rate.

With an SMSF, one third of the profit is discounted and the balance taxed at 15 per cent. But if you are in receipt of a pension from your SMSF, the tax rate can be as low as nil.

Martin Murden, founding partner, Partners Group

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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!

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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.

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Why buying new property doesn’t mean buying better property
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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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Surfers Paradise

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Busting perceptions of a doom and gloom property market

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