Where could a $200,000 Self Managed Superannuation Fund be Invested and what could it Return over 13 Years?
Investment OptionValue after 13 years
Investment Property $589,000
Australian Shares $575,000
Cash Fund $415,000

In this example, it has taken just under 13 years to completely pay off the investment property.

Once the property is paid off, the rental income which is taxed at only 15% goes back into the super fund for additional investment opportunities


What are advantages of using your Self Managed Superannuation fund to Invest in Property?

  • The superannuation fund is used as the deposit
  • Superannuation contributions are used to repay the investment loan
  • No out of pocket costs are required to pay off the loan
  • The rental income will only be taxed at 15%
  • In this example the investment property will be fully paid out before 13 years and begins to create income/additional funds to re-invest
  • Limited risk to personal assets
  • Partners and family member contributions can be combined into one fund, increasing the initial deposit and future contributions/investment property repayments
  • The opportunity exists to eliminate capital gains tax when it comes to selling the investment property

You can learn more about investing in property through your self managed superannuation fund and how to set it up by reading our blog:


If this all looks like something you could be interested in, check out our pricing, you might be surprised.

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Most Self Managed Superannuation Funds use a combination of shares and investment properties to create the best result. By diversifying this way, it also lessen the chance of all money being lost if one or the other doesn’t do so well.

A Financial Planner will setup and manage a self managed super fund to be effective for your situation. To book a free consultation with one of our advisors, call us on 1300 187 894.

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The calculations in this report have been generated based on an investment period of 13 years, a 2016 income of $120,000 and the following assumptions of: Australian Shares: 4% income 3% growth, Cash Management Trust: 3.5% growth, Investment property: 3% capital growth 3% inflation, property purchased is new/off-the-plan worth $395,000 with estimated rent of $350 per week. The projected figures generated by PEB Property Group and its associated companies are not guaranteed and may vary from actual results. The projections are for illustration purposes only.

All calculations should be considered indicative only and changes in any of the specified assumptions or inputs may have a significant effect on the projected outcomes. The calculators cannot predict or take into account any changes to your circumstances. All projected figures are based on current tax legislation and assumes the laws will remain unchanged. If you use or apply any estimate, you are solely responsible for that use or application. The calculations should not be taken as a recommendation to follow a particular course of action.

The calculators and this report does not provide any investment, financial product, legal or taxation advice as to the suitability of the products, strategies and services described within. Any financial product and investment advice given in this site, including forecasts and opinions, should be considered general advice only. This advice has been prepared without taking into account any of your particular objectives, financial situation and needs. You should consult a licensed financial planner before making any financial decisions based on the calculated outputs or information from this website.

While all reasonable care has been taken when creating these assumptions, PEB Property Group and its companies provides no warranty and makes no representation that the information generated is appropriate for your particular circumstances. PEB Property Group and its companies cannot guarantee the calculations will be free of errors or suitable for any user's intended purposes. To the extent permitted by law, under no circumstances will PEB Property Group, its employees and its related companies be liable for any loss or damage caused by a user's reliance on information obtained by using this website. PEB Property Group and its associated companies is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

PEB Financial Planning is part of PEB Property Group; a complete financial planning advisory service for Perth families. Offices are located in Inglewood and Willetton, Perth Western Australia.