Tax and legal advice

Investors ask: SMSF research

By Munzurul Khan

Q. I am thinking about setting up an SMSF. What sort of research do I need to undertake before setting up the structure and buying?

A. Your first question should be whether there are any restrictions on rolling over your existing industry or retail funds into an SMSF. If there are no proposed restrictions, then your next consideration would be whether there are significant disadvantages in rolling over your existing fund to an SMSF.

Once, and if, the above are resolved, then your research should include matters such as the appropriate corporate structure, requirements from the Superannuation Act, as well as the income tax legislation of day-today administrative requirements, financing requirements and options, asset protection, insurance needs, retirement planning, succession and estate planning and your overall investment strategy.

Consider the above and then consider taking expert advice before you finalise your decision. There are many strict regulations with SMSFs.

The Australian Securities and Investments Commission (ASIC) recently raised significant concerns about whether property investors are establishing their SMSFs without considering all of the above.

There are ramifications for making mistakes when establishing an SMSF, as well as during the administration process.

However, if the SMSF and leverage strategy is undertaken in an appropriate manner, the benefits are significant – control of an asset base where you have understanding and passion, the arguable benefit of leveraging, the concessional taxation treatment and asset protection, as well as the general benefits of property investment.

Munzurul Khan, principal, Keshab Chartered Accountant

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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
Securing finance after life-changing events: ‘Cash flow is key’

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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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In this episode, hear from\u00a0Drew about:<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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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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