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Property Development - the BEST investment for your SMSF
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Property Development - the BEST investment for your SMSF

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How to safely Build Financial Success with Self managed Super Funds (SMSF) and Property Development - the numbers that show you are crazy not to be involved.

How to safely Build Financial Success with Self managed Super Funds (SMSF) and Property Development - the numbers that show you are crazy not to be involved.

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  • 1. PROPERTY DEVELOPMENT & INVESTMENT SPECIALISTS
  • 2. Superannuation FundWatch your money grow Self Managed Super Fund Property/Project
  • 3. Self Managed Superannuation Fund • Register a new company for your self managed super fund • Grant Muddle can help you do this• Arrange for funds to be transferred into your new company sunsuper Self Managed Super Fund
  • 4. INVESTMENT PROPERTY Single Dwelling21 Smith Street Investment PropertyToowoomba Mr. & Mrs. E. Thompsin
  • 5. Single Dwelling Example 21 Smith StreetMr. E. Thompsin Mrs. E. Thompsin Toowoomba $150,000 $100,000 Rent Sunsuper MLC $450 per week $450,000 value Self Managed Superfund $250,000 $250,000 Loan $200,000
  • 6. SELF MANAGED SUPER FUND Purchase – 21 Smith Street, ToowoombaMr. E. ThompsinSalary $120,0009% will continue to go into your SMSF + Super Contributions + Rent from Property - Loan RepaymentsMrs. E. Thompsin Salary $80,0009% will continue to go into your SMSF
  • 7. BENEFIT OF SMSF/PROPERTY INVESTMENT CONTRIBUTION FROM RENT IncreasedYEAR LOAN AMOUNT SALARIES Increased 2% REPAYMENTS @ 7% POSITIVELY GEARED 2.5% p.a. p.a.1st $200,000 $18,000 $23,400 $14,000 27,4002nd $172,600 $18,360 $23,985 $12,082 30,2633rd $142,337 $18,727 $24,585 $9,964 33,3484th $108,989 $19,102 $25,199 $7,629 36,6725th $72,317 $19,484 $25,829 $5,062 40,2516th $32,066 $19,873 $26,475 $2,245 44,1047th $12,038 $20,271 $27,137 FREEHOLD 59,4468th $59,446 $20,676 $27,815 FREEHOLD 107,9389th $107,938 $21,090 $28,511 FREEHOLD 157,53810th $157,538 $21,512 $29,223 FREEHOLD 208,273 NOTE: ON THESE ESTIMATED COSTS YOU WILL OWN YOUR PROPERTY AFTER 7 YEARS FREEHOLD
  • 8. NEGATIVE OF TRADITIONAL SUPER FUND MLC SUNSUPER MR. THOMPSON INTEREST MRS. THOMPSIN INTEREST FOR MRS E. COMBINED FOR MR. E. THOMPSIN CONTRIBUTION FROM CONTRIBUTION FROMYEAR TOTAL THOMPSIN TOTAL POSITIVELY ROR 3.4% 1-5 years FROM SALARY SUPER FROM SALARIES SUPER ROR 1.4% 1-5 years GEARED ROR 6.1% 6-10 years Increase of 2% pa FUND Increase of 2% pa FUND ROR 4.3% 6-10 years1st $150,000.00 $10,800 $5,100 $165,900 $100,000.00 $7,200 $1,400 $108,600 274,5002nd $165,900.00 $11,016 $5,641 $182,557 $108,600.00 $7,344 $1,520 $117,464 300,0213rd $182,556.60 $11,236 $6,207 $200,000 $117,464.40 $7,491 $1,645 $126,600 326,6004th $199,999.84 $11,461 $6,800 $218,261 $126,599.78 $7,641 $1,772 $136,013 354,2745th $218,260.89 $11,690 $7,421 $237,372 $136,012.88 $7,794 $1,904 $145,711 383,0836th $237,372.02 $11,924 $14,480 $263,776 $145,710.57 $7,949 $6,266 $159,926 423,7017th $263,775.79 $12,163 $16,090 $292,029 $159,925.50 $8,108 $6,877 $174,911 466,9398th $292,028.67 $12,406 $17,814 $322,248 $174,910.67 $8,271 $7,521 $190,702 512,9519th $322,248.22 $12,654 $19,657 $354,559 $190,702.37 $8,436 $8,200 $207,339 561,89810th $354,559.28 $12,907 $21,628 $389,094 $207,338.52 $8,605 $8,916 $224,859 613,953 TOTALS $118,257 $120,837 $78,838 $46,021 363,953
  • 9. PROJECTED PROFIT AFTER TEN YEARS For Mr. & Mrs. E. ThompsinSuperannuation Self Managed Super Fund Fund $900,000 HOUSE $613,953 $208,273 + FREEHOLDTOTAL = $613,953 TOTAL = $1,108,273
  • 10. INVESTMENT PROPERTY Townhouse Development16 Chirn Crescent,Labrador, Gold Coast2 x TownhousesInvestment PropertyMr. & Mrs. G. Jones
  • 11. Townhouse Example 16 Chirn Crescent, Labrador, Gold CoastMr. G. Jones Mrs. G. Jones $221,000 $85,000 AMP MLC Value $450,000 $153,000 $306,000 Self Managed Superfund $306,000 Value $450,000 $153,000 Loan $400,000
  • 12. SELF MANAGED SUPER FUND Purchase – 2 x Townhouses at 16 Chirn Crescent, Labrador, Gold Coast Mr. G. JonesSalary $110,0009% will continue to go into your SMSF + Super Contributions + Rent from Property - Loan Repayments Mrs. G. Jones Salary $80,0009% will continue to go into your SMSF
  • 13. BENEFIT OF SMSF/PROPERTY INVESTMENT CONTRIBUTION RENT Increased 2.5%YEAR LOAN AMOUNT FROM SALARIES REPAYMENTS @ 7% POSITIVELY GEARED p.a. Increased 2% p.a.1st $400,000 $17,100 $46,800 $28,000 35,9002nd $364,100 $17,442 $47,970 $25,487 39,9253rd $324,175 $17,791 $49,169 $22,692 44,2684th $279,907 $18,147 $50,398 $19,594 48,9525th $230,956 $18,510 $51,658 $16,167 54,0016th $176,954 $18,880 $52,950 $12,387 59,4437th $117,511 $19,257 $54,274 $8,226 65,3058th $52,206 $19,643 $55,630 $3,654 71,6199th $19,413 $20,035 $57,021 $0 96,47010th $96,469 $20,436 $58,447 $0 175,352 NOTE: ON THESE ESTIMATED COSTS YOU WILL OWN YOUR PROPERTY AFTER 9 YEARS FREEHOLD
  • 14. NEGATIVE OF TRADITIONAL SUPER FUND Mr G. JONES MLC Mrs G. JONES AMP INTEREST INTEREST CONTRIBUTION FOR Mrs G. JONES CONTRIBUTION COMBINED FOR MR. G. JONES FROM FROMYEAR FROM SALARY TOTAL ROR 1.4% 1-5 years FROM SALARY TOTAL POSITIVELY ROR 3.0% 1-5 years SUPER SUPER Increase of 2% ROR 4.3% 6-10 Increase of 2% GEARED ROR 3.7% 6-10 years FUND FUND pa years pa1st $221,000.00 $9,900 $6,630 $237,530 $85,000.00 $7,200 $1,190 $93,390 330,9202nd $237,530.00 $10,098 $7,126 $254,754 $93,390.00 $7,344 $1,307 $102,041 356,7953rd $254,753.90 $10,300 $7,643 $272,696 $102,041.46 $7,491 $1,429 $110,961 383,6574th $272,696.48 $10,506 $8,181 $291,383 $110,960.92 $7,641 $1,553 $120,155 411,5385th $291,383.33 $10,716 $8,741 $310,841 $120,155.07 $7,794 $1,682 $129,631 440,4726th $310,840.91 $10,930 $11,501 $333,272 $129,630.75 $7,949 $5,574 $143,154 476,4277th $333,272.42 $11,149 $12,331 $356,753 $143,154.26 $8,108 $6,156 $157,418 514,1718th $356,752.51 $11,372 $13,200 $381,324 $157,418.26 $8,271 $6,769 $172,458 553,7829th $381,324.34 $11,599 $14,109 $407,033 $172,457.78 $8,436 $7,416 $188,309 595,34210th $407,032.77 $11,831 $15,060 $433,924 $188,309.41 $8,605 $8,097 $205,011 638,936 TOTALS $108,402 $104,522 $78,838 $41,173 332,936
  • 15. PROJECTED PROFIT AFTER TEN YEARS For Mr. & Mrs. G. JonesSuperannuation Self Managed Super Fund Fund $1,800,000 2 X TH $638,936 $175,352 + FREEHOLDTOTAL = $638,936 TOTAL = $1,975,352
  • 16. Superannuation Funds Rates of Return over 7 year period FIVE YEAR PER SEVEN YEARRANK FUND NAME FUND TRUSTEE ABN FUND TYPE ANNUM ROR PER ANNUM (%) ROR (%) TOTAL RISK BHP BILITON 27 SUPERANNUATION FUND MANAGEMENT PTY. 30187082512 CORPORATE 3.8 6.5 LTD. RIO TINTO STAFF RIO TINTO STAFF FUND 31 SUPERANNUATION FUND PTY. LTD. 98438661856 CORPORATE 3.6 6.4 SUNSUPER 43 SUPERANNUATION FUND SUNSUPER PTY. LTD. 98503137921 INDUSTRY 3.4 6.1 BT SUPERANNUATION WESTPAC SECURITIES 91 INVESTMENT FUND ADMIN. LTD. 29769424728 RETAIL 2.6 5.1 MLC SUPERANNUATION NULIS NOMINEES 137 FUND (AUST) LTD 40022701955 RETAIL 1.4 4.3 AMP PERSONAL AMP 153 SUPERANNUATION FUND SUPERANNUATION LTD 90806277502 RETAIL 3.0 3.7StatisticsAPRA publishes a suite of 14 statistical publications that provide regular updates on the financial performance of APRA-regulatedindustries and individual entities. APRA follows statistical principles (link below) aimed at ensuring that users can have confidencein the integrity of its statistics.APRA’s data are shared with the Australian Bureau of Statistics (ABS) and the Reserve Bank of Australia (RBA). APRA also providesstatistics to international agencies such as the Organisation for Economic Co-operation and Development (OECD), theInternational Monetary Fund (IMF) and the Bank for International Settlements.
  • 17. Development/Project • Source a property/project to purchase • We have projects ready to build, joint venture groups etc• We recommend a brand new investment so you can benefit from all the tax deductions

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