Joined August 2025
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Yes, you can buy residential property inside your SMSF, but the rules are strict, no living in it or renting to family. Do it right, and you get the benefits of a 15% tax environment with long term wealth protection.
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45% of new SMSFs are now created by Australians under 45, despite being only 15% of existing trustees. They have seen fees, government redirection, and a lack of accountability, and decided to take control of their wealth.
From July 2027, selling in your own name means a 30% minimum tax. Inside an SMSF, it is capped at 10% in accumulation and 0% in pension phase, same asset, completely different outcome.
CGT discount gone, negative gearing restricted, family trusts hit with a 30% minimum tax, yet SMSFs were exempt every time. That pattern shows exactly which structure the government has chosen to protect.
Australians withdrew a record $4.3B from industry super in 2025, with SMSFs surging past 663k. Nearly half of new funds are now set up by people under 45, turning SMSFs into a wealth building strategy, not just retirement.
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May 27
A 30% minimum tax on discretionary trust distributions kills the bucket company strategy from July 2028. SMSFs are exempt from the CGT changes, the negative gearing restrictions, and the new trust tax, making them one of the last tax‑effective structures left.
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May 25
The government killed the 50% CGT discount for personal investors and replaced it with a 30% minimum tax. SMSFs keep their one third discount, creating a major tax gap between personal investing and super.
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May 22
Delays, disputes and fund‑controlled processes can slow down access to death benefits in large super funds. With an SMSF and the right documents, you decide who receives your money and when.
May 22
The $3 million threshold never increases, but property and share markets do. Many Australians who build wealth steadily over decades will eventually cross it.
May 21
The new tax on balances above $3 million isn’t indexed, meaning more Australians will cross the threshold as markets grow. What begins as a tax on a small group can expand to affect the middle class over time.
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May 15
Scrapping the 50% CGT discount could trap investors in their current portfolio, because selling removes grandfathered status. Inside an SMSF, the base tax rate stays capped at 15%.
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May 15
The government is considering banning SMSF property loans, and the May 12 budget makes the timing critical. If you have been planning to buy property through super, the window may be closing.
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May 14
Industry and retail funds can now direct your retirement savings into government housing projects. An SMSF is the only way to control where your money goes and what return it makes.
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May 14
The government is planning a minimum 30% tax on trust distributions, which will hit families hard. SMSFs remain the only structure with a capped 15% rate that drops to zero in retirement.
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May 13
Over 48,000 new SMSFs were set up and the shift is accelerating. People want control, transparency, and protection from future tax changes.
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May 13
Residential SMSF property cannot be rented to any related party. One breach can see your entire fund taxed at 45%.
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May 12
Adult children pay 17% tax on the taxable component of their parents super. A re contribution strategy can convert taxable to tax free and remove the 17%.
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May 11
If your SMSF return is overdue, the ATO blocks contributions and rollovers. Penalties hit every 28 days and both trustees get fined separately.
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Reports suggest the 50% CGT discount may be replaced with an inflation‑based model, increasing tax for personal investors. SMSFs operate under concessional tax rules that can soften the impact of major policy changes.
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Big super funds may be required to allocate money into government‑backed investment vehicles, and members have no vote on where their savings go. With an SMSF, you decide exactly how every dollar is invested.
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