Buying property through a self-managed super fund (SMSF) has become an increasingly popular strategy for Australians planning for retirement — but is it still worth it in 2025?
Here’s what you need to know:
The Pros:
✅ You’re building wealth in a tax-advantaged environment
✅ Rental income and capital gains are taxed at concessional rates
✅ You take control of where your super goes
The Cons:
🚫 You can’t live in the property — it must be purely investment
🚫 The setup can be complex and requires professional advice
🚫 Cash flow is tighter, as you’ll need a larger deposit (~20–30%)
Who It’s Right For:
If you have $150K+ in super and want more control over your retirement plan, SMSF property could be a smart option. Especially if you already own property and are looking to diversify.
As with anything involving your retirement funds, the key is to get qualified advice and work with a team that knows the SMSF space inside-out.
