Why More Australians Are Choosing SMSFs
Across Australia, over one million people have established an SMSF, with the sector now exceeding $1 trillion in assets.
The reason is simple—control and flexibility.
With an SMSF, you have control over:
- Investment decisions
- Asset allocation and diversification
- Fee structures and cost management
- How your retirement wealth is built and managed
This level of control allows for a more tailored and strategic approach to wealth creation.
What is an SMSF?
A Self-Managed Super Fund is a private superannuation fund that you manage yourself.
As both a member and trustee, you are responsible for:
- Establishing and maintaining the fund
- Developing and implementing an investment strategy
- Ensuring compliance with superannuation laws
- Managing assets solely for retirement purposes
While SMSFs offer flexibility, they operate under strict regulatory requirements—making professional advice essential.
The Strategic Benefits of an SMSF
Choosing to run your own super fund can unlock a range of powerful wealth-building opportunities.
Ultimate Control & Investment Choice
One of the key advantages of an SMSF is the ability to control how your retirement savings are invested.
Unlike traditional super funds, an SMSF allows you to build a tailored investment portfolio aligned with your financial goals and risk profile.
Subject to compliance requirements, SMSFs may invest in:
- Residential property
- Commercial property
- Australian and international shares
- Managed funds
- Fixed income investments
- Alternative assets
This flexibility allows you to align your investments with your long-term strategy and financial objectives.
Buying Property Within Your Super
SMSFs provide the ability to invest directly in property through your superannuation.
For business owners, this may include purchasing your own commercial premises within your SMSF and leasing it back to your business — a strategy that builds long-term wealth while providing business security.
Depending on your circumstances, your SMSF may also invest in residential property, adding further diversification to your retirement portfolio.
Leverage to Accelerate Wealth Creation
SMSFs can borrow to invest through a Limited Recourse Borrowing Arrangement (LRBA).
When structured correctly, this strategy can:
- Allow you to acquire larger assets sooner
- Accelerate long-term wealth creation
- Enhance diversification within your portfolio
Because borrowing within super is highly regulated, we ensure your strategy is compliant and aligned with your long-term goals.
Tax-Effective Wealth Creation
Superannuation is one of the most tax-effective structures available in Australia.
With an SMSF, you may benefit from:
- Concessional tax rates on investment earnings
- Reduced capital gains tax on long-term investments
- Access to franking credits
- Potential tax-free income streams in retirement
We structure your SMSF to maximise these benefits while ensuring compliance at all times.
Is an SMSF Right for You?
An SMSF is not suitable for everyone—but for the right person, it can be a powerful wealth-building tool.
You may benefit from an SMSF if you:
- Want greater control over your super investments
- Are seeking flexible investment options, including property
- Want to implement more advanced, tax-effective strategies
- Are comfortable with the responsibilities of managing a fund
- Want more control over fees and long-term costs
At Wealth Plus Solutions, we help you assess whether an SMSF is appropriate for your circumstances before any recommendations are made.
Expert SMSF Advice You Can Trust
From initial setup through to ongoing strategy and compliance, we act as your trusted SMSF adviser—helping you navigate complexity with clarity and confidence.
Our goal is simple: to ensure your SMSF is working strategically to support your long-term financial freedom.
