At Ales Pty Ltd, we understand that Self-Managed Superannuation Funds (SMSF) are an important investment vehicle for many Australians. That’s why we offer SMSF loans to help our clients take control over how their superannuation is invested.
An SMSF loan allows you to borrow money to invest in assets such as property. This can give you the opportunity to apply financial leverage to your super balances to get more assets working for you within the low tax superannuation environment.
This may enable you to build a larger nest egg for your retirement.
One of the benefits of an SMSF loan is the control it gives you over how your superannuation is invested. By taking control of your superannuation investments, you can make sure that your money is working for you in the way you want it to.
Another benefit of an SMSF loan is the ability to use offset accounts. This means that you can reduce the interest cost of your loan by using any cash or savings in your offset account to offset the interest on your loan. This can help you save money on interest repayments over the life of the loan.
At Ales Pty Ltd, we are dedicated to helping our clients achieve their financial goals. We understand that SMSF loans can be complex, which is why we have a team of experts who can guide you through the process and help you make informed decisions.
If you’re thinking of using an SMSF loan to invest in assets, please contact us. We would be happy to answer any questions you may have and help you get started.
Will I have to contribute extra super contributions?
The requirement for extra super contributions with an SMSF loan will depend on a number of factors and we can model different scenarios for you with or without extra contributions.
How does the structure work?
The SMSF loan structure typically works by allowing the SMSF to borrow money to invest in both residential and commercial property. The SMSF then uses the income generated by the assets and the superannuation contributions paid by your employer to repay the loan
What is the benefit of using financial leverage within SMSF?
The benefit of using financial leverage within SMSF is that it enables you to have more assets working for you to achieve capital growth in a low tax environment.
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