Property investment strategy considerations

Investing through super

  • Buy residential property with the money in your self-managed super fund.
  • Concessional contributions made into a superannuation fund are generally taxed 15%. 
  • Earnings within a superannuation fund are generally taxed at 15%. If capital gains are made on a property held for longer than 12 months, the superannuation fund may be subject to a discounted tax rate of 10% on the gains, subject to eligibility. 
  • Remember, property you hold through your super must be held solely for superannuation purposes — for example, you can’t live in it yourself, or lease it to family and friends.

Using your equity

  • Borrow against the equity you’ve built up in your own home, using it as security on another loan.
  • Use the additional loan to purchase an investment property or other investments, to start generating extra income and returns.

Renovating for profit

  • Buy a property with the potential for improvement and capital growth — renovating it to add profit and sell in the short term.

Negative Gearing

  • Negative gearing may be a tax effective outcome you wish to consider as part of your overall investment strategy. 
  • Please seek independent tax advice on negative gearing. 

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  1. Source:  2013 Russell/ASX Long-Term Investing Report. All returns shown are annualised superannuation returns over the 20 year period, ending 31 December 2012, and are net of fees and taxes.  For further details including full list of assumptions, view the full report. Past performance is not a reliable indicator of future performance.

Taxation law is complex and the information on this page has been prepared as a guide only and does not represent tax advice. As with any investment, the implications of tax and stamp duty should be considered prior to making any decisions. Please see your tax adviser for independent tax advice specific to you individual circumstances.

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