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Highlights
- SMSF Loan Experts smoothens the entire process of SMSF lending, with cost savings on SMSF loans
- The team has more than 15 years of experience in SMSF lending across Australia
- Listed shares as well as property investments are popular choices of SMSFs
Self-managed super funds (SMSFs) have a variety of options available for investment. A fund of this type is designed to let people save for their retirement. Which investment mix they decide to invest in with their SMSF is of critical importance.
Before exploring how SMSF Loan Experts can facilitate speedy and low interest rate loans for the purchase of a property asset, let us consider a fundamental question. What makes an asset favourable to be acquired by any fund?
Asset allocation of SMSFs
According to the statistical overview by the Australian Taxation Office (ATO) for 2019-20, the total amount of funds under SMSFs was AU$822 billion, as of 30 June 2021. This ranked SMSFs second in the list of fund type with respect to aggregate super assets. The asset allocation in this overview covered the period up to 30 June 2020.
As per data, listed shares were the favourite pick, accounting for over 26% in total asset allocation. The share of assets held in residential and non-residential real property was nearly 15%.
Cash and term deposits accounted for over 20% of the asset allocation pie, but fixed returns on term deposits may make them look less productive when inflation is factored in. Variable-return assets can be the preferred hedge against inflation.
Also read: Salient features of SMSF Loan Experts that make investing in property easier
Opportunity in the property space
Different assets bring with them different opportunities. While listed shares have gained popularity, the benchmark ASX 200 has suffered some losses recently. For the first time in a long time, Australians are about to receive statements from their superannuation funds showing losses for the financial year just finished.
On the other hand, the property market of Australia was on the boil during the pandemic days. Even though property prices have started to cool off a little since the beginning of this year, this can be the preferred asset for many funds as SMSF investments are for the longer horizon.
Why SMSF Loan Experts?
The team at SMSF Loan Experts specialises in limited recourse borrowing arrangements (LRBAs), which are typically referred to as SMSF loans. The team is working for years to significantly cut the costs of borrowing for SMSFs, thereby enriching their retirement portfolios.
Also read: The how and why of property investment with SMSF Loan Experts as your finance partner
With 15% share of their assets in the residential and commercial real property, SMSFs have made their intentions clear.
SMSF Loan Experts facilitates property investment via SMSF, thereby providing a targeted service to trustees wishing to invest in property and leverage. Refinancing and exploring feasible options for funds with a bad credit score is one of the primary offerings. Not to mention the speed of approval and the industry-best interest rates that SMSF Loan Experts can provide.
SMSFs risk appetite and investment strategy come into play when picking between property and shares. For property investments, the strategy can be more rewarding with SMSF Loan Experts as partner.
You can read more about SMSF lending and SMSF Loan Experts here SMSF Loan Experts’ website
