What is a self managed super fund?

When it comes to building long-term wealth, a Self-Managed Super Fund (SMSF) can be a powerful tool — offering flexibility, control, and greater opportunities to grow your retirement savings. With SMSFs on the rise in Australia, now is the time to consider if this option is right for you.

What Is a Self-Managed Super Fund?

A Self-Managed Super Fund is a private super fund that you manage yourself. Unlike traditional retail or industry super funds, an SMSF gives you full control over how your superannuation is invested — and that control opens doors to strategies unavailable in standard funds.

Why More Australians Are Choosing SMSFs

SMSFs are one of the fastest-growing segments in the superannuation industry. More individuals, families, and business owners are turning to SMSFs to:

• Take control of investment choices

• Reduce fees in the long term

• Create tailored strategies aligned with their financial goals

  
  

It’s easier than you might think to get started, especially with the right guidance.

Key Benefits of an SMSF

1. Buy Commercial Property

One of the most popular reasons for establishing an SMSF is the ability to purchase commercial property — including premises that your business can lease back. This can be a tax-effective way to secure a long-term asset for your business while investing in your future.

2. Borrow to Invest

Through a strategy known as Limited Recourse Borrowing Arrangements (LRBAs), SMSFs can borrow to purchase property — allowing you to leverage your superannuation to acquire larger assets than would otherwise be possible.

3. Build Wealth and Diversify

With full control over your investments, you can build a diversified portfolio tailored to your risk tolerance and retirement timeline — including property, shares, term deposits, and managed funds.

4. Tax Efficiency

SMSFs benefit from the concessional tax rate of 15% on earnings, and in retirement phase, income from assets can be tax-free. With the right structure, an SMSF can significantly reduce your overall tax burden.

Is It Right for You?

Setting up and running an SMSF comes with responsibility and regulation, so it's important to speak to professionals who understand the full picture — from lending strategies to tax and compliance. At Ascot Mortgage, we work alongside your accountant and financial adviser to help structure your SMSF lending so it aligns with your long-term goals.

Let’s Talk About Your Super Strategy

If you’ve ever considered buying commercial property through super, or if you’re looking to take a more hands-on approach to building your wealth, an SMSF could be your next step.

Reach out to the team at Ascot Mortgage today to learn how we can support you with SMSF lending, structuring, and property finance.

Book your free consultation today.