In todays market place where cash is returning around 1.5{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28}, managed funds are showing around 5{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28} and leveraged property is returning between 15{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28} to 25{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28}, it makes sense to have some of your super in Real Estate.
Most Super Funds return around 5{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28} per annum or less
A well run Self Managed Super Fund can increase that return to around 15{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28} pa.
As an Example:
Jane had $100,000 in a super fund, had 15 years left to retire and contributed $10,000 each year to her Industry fund. The Super fund returned 5{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28} each year. Janes retirement benefit would have been around $460,000.
However, by Jane switching to a Self managed super fund returning 15{830d1043633127e1fb46cc80e8e725429e813d4a1f208e7acb534f94035a1f28} each year, her retirement benefit has increased to around $1,550,000.
THAT IS OVER $1 MILLION DOLLARS MORE FOR HER RETIREMENT with the identical outlay!
Now we are not suggesting you convert your Superannuation to SMSF and buy Real Estate with all your funds.
However, depending on your superannuation balance, there should be some property in your portfolio.
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Consider a fund’s Product Disclosure Statement (PDS) and your personal financial situation, needs or objectives, which are not accounted for in this information before making an investment decision. You may wish to consult an adviser when doing this.