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How To Buy Real Estate In Your Super - SMSF 

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Did you know you can pay the BA fees from your SMSF, call us to find out how it works.
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passive income from property
Australian property investing
Australian property market update
interest rate changes
cashflow positive properties Australia

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7 мар 2024

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Комментарии : 52   
@kakarot3584
@kakarot3584 3 месяца назад
Can you do a video on the stuff you need to go through for setting up a smsf
@fionadevries8856
@fionadevries8856 Месяц назад
Very helpful visual explanation of purchasing property with a SMSF and how it can yield a great result in the future. Thank you Ravi.
@sheshitritton7868
@sheshitritton7868 3 месяца назад
Amazing video, thank you!
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
Glad you liked it!
@eggs-benny
@eggs-benny 4 месяца назад
Great video Ravi! Love the financial breakdown
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
Glad you liked it!
@NS-kt1sj
@NS-kt1sj 4 месяца назад
Thanks Ravi!
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
My pleasure!
@angelaleahy1478
@angelaleahy1478 17 дней назад
W 6:56 e only had $126k as a couple to put into a SMSF which we did around 2015, bought two properties in Waverley tasmania prices went up so we sold one and bought another in Bunbury WA. Prices have continued to climb and we now have $1.1 million in assets with debt of $170k. A big improvement in our super balance!
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 17 дней назад
BOOM!! How good is that! Yeah when prices were lower - the balance needed to be lower. Well done, love hearing stories like this 🙌🏽
@jonathanroy5924
@jonathanroy5924 4 месяца назад
Great video Ravi. Spoke to an accountant recently and it’s a couple k to setup a SMSF and 1-2k per year accounting fee but seems much better than just investing in my current fund
@theowenssailingdiary5239
@theowenssailingdiary5239 5 часов назад
The only reason property outperforms some assets is purely leverage. Despite what you property gurus say, you have a major concentration risk. BTW, my super uses leverage.
@Hooooodad
@Hooooodad 4 месяца назад
Nice vid man
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
Thank you!
@Hooooodad
@Hooooodad 3 месяца назад
@@PersonalFinancewithRaviSharma I'm in Sydney , are we able to catchup for a chat ?
@user-uz7hc6es1c
@user-uz7hc6es1c 4 месяца назад
In 10 years time there won’t be any houses at $500k. In fact there aren’t that many now.
@jem6411
@jem6411 4 месяца назад
Exactly
@Tanveer97
@Tanveer97 4 месяца назад
lol. I was going to comment the same then saw your comment
@Francie3183
@Francie3183 3 месяца назад
Loads of units in Melbourne at that price it doesn't have to be a 3 bedroom house
@jem6411
@jem6411 3 месяца назад
@@Francie3183 1. why would you buy in a location where there are 'loads' of supply? 2. You sure they will be below 500k in 10 years?
@Francie3183
@Francie3183 3 месяца назад
@@jem6411 not apartments but units even in good areas can be 500k ...there easy to rent and go up in value decently ...not the ideal obviously but still an option...plenty townhouses in outer suburbs for that price also ...by retirement age your still going to be well ahead no matter what so long as u get something
@radiopete7290
@radiopete7290 Месяц назад
what do you mean 10 ex?
@madhavibeemadi2898
@madhavibeemadi2898 Месяц назад
Nice video Ravi of explaining the calculation. It certainly looks promising on paper but I am facing the reality of no capital growth in property even after 8 years of investment. Very keen to know where ur focus areas are for property purchase
@troyshah5501
@troyshah5501 26 дней назад
how is it possible to have no CG in 8 years? We saw multiple booms in this time...where did you buy?
@mowtime
@mowtime 4 месяца назад
Haha hey, I’m literally eating avocado on toast at a cafe lol. It’s a cheap joint though. 👌🏻
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 4 месяца назад
hahah love it!
@drfaheemahmad99
@drfaheemahmad99 4 месяца назад
I think there is a comparison issue (28k vs 101k return). You should be comparing SMSF return with super account return. For this you should be showing compound return of 300k over 20 years. That is 1.4M after 20 yrs if that couple keep adding 12k a year as employer contribution. That deposit can give you 58k a year at 4% return at 60 yrs of age
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 4 месяца назад
By doing that you don't consider ongoing cashflow and instead use the returns to continue compounding whereas in my example you get best of both worlds with the properties increasing every year with compounding growth and still getting the cashflow + this would be in addition to the employer contributions. Hope that makes sense :)
@chookie131
@chookie131 4 месяца назад
Hey Ravi great video - just a question is the $130k including your fee?
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 4 месяца назад
Yeah :)
@jenniferjennifer3604
@jenniferjennifer3604 3 месяца назад
Well explained Ravi. Just wondering in 10 years time, are there still houses around $500k in Australia worth investing, in terms of growth and positive cash flow?
@JackJones-zg3nd
@JackJones-zg3nd 24 дня назад
No, he didn't assume the conservative growth estimate of 5.6% like he did when calculating the income benefits. After 10 years each deposit would be roughly $170k, not $130k. Meaning you could only buy 1 additional property, not two.
@craigwhitwell
@craigwhitwell 4 месяца назад
Hi Ravi. I did this in 2021 and bought 1 side of a duplex in elizabeth downs SA $205k now valued $360k had to do 30% deposit as they considered it outside metro ring. Interest rates for SMSF loans are higher and luckily rent kept up with costs just. Want to sell when value at $450k which will leave me approx $250k after fees to redeploy as next deposit. With the higher interest rates though it appears cash neutral from rent would be near impossible. Say 200k used and purchase at 650k the loan of $450k would need too high repayments. Are your examples taking this extra loan repayments into account or are you managing much higher rents?
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 4 месяца назад
That's cracker! Yeah rental growth + hard to include what employer contributions would actually equate to as its based on personal income and different for everyone.
@jaychichu0404
@jaychichu0404 4 месяца назад
Hmm.. SMSF management/accounting fee? Minimum balance to start SMSF?
@craigwhitwell
@craigwhitwell 4 месяца назад
I paid about $1800 to setup, I pay $170 a month accounting fee. If buying a property you need entities setup and trusts etc which was about another $2000 by memory. I use New Brighton Capital accounting to do it all but there are others cheaper out there. I had $100k to start combined (mine and wife's supers merged). For me was worth is as super has over doubled in 3 years but look into all the rules first and look at SMSF loans as there are limited borrowers and interest is higher. I think at moment mines about 8.5%
@eddiifuentes9298
@eddiifuentes9298 4 месяца назад
I'm not sure that it suits me Ravi. I have a healthy super and the compounding interest I make by just leaving it there outweighs your example. Maybe beneficial if I had a lower super balance.
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 4 месяца назад
Thats great! Always opportunities to diversify and take advantage of leveraged returns too :)
@troyshah5501
@troyshah5501 26 дней назад
how much is your annual growth in last 3 or 5 years?
@wasca
@wasca Месяц назад
Hang on! Around the 16 minute mark you've fast forwarded 10 years and then suggested that you could find 4 properties worth $500,000 each to reinvest in? Did I miss something here or did you just use 10 year old property prices in your sum? Do you really believe there will be property worth only $500,000 in 10 years time?
@anthonyfox5337
@anthonyfox5337 3 месяца назад
As an owner of multiple rental properties, your rental yield estimates are excessive. My rental yield after costs is 2% I understand your promoting a business but try and be realistic.
@angelaleahy1478
@angelaleahy1478 3 месяца назад
Depends where you invest. I would never invest for 2% returns no matter what the potential but not guaranteed capital return was.
@lahoriski
@lahoriski 3 месяца назад
Do ur maths again. 500k after 10 yrs, 50% increase means 500 + 250 = 750k not 1.5mil.
@roamingalone5226
@roamingalone5226 3 месяца назад
Your assumption is not realistic to reflect today's super balance in general especially the couple example you mentioned. Also assumption you took for Australian owning home outright and no mortgage is rather a dream now.
@adamphillips4786
@adamphillips4786 3 месяца назад
Ravi, your assumptions are wrong. You can't "rinse and repeat" a process in 10 and 20 years. What your saying is that your $500000 homes purchased today will grow by 6% year on year. No problem with that. But your then saying that in 10 years time, while you homes are hitting the 1 million mark, there will be homes that have sat idle for 10 years that will be for sale at $500000 ready to all of a sudden start growing by 6%. When you then say you can do it again after 20 years...its complete nonsense. Remember those $500000 homes sitting on land that you believe are going to be there for $500000 in 10 years and 20 years time, have already been built.
@MMVTW
@MMVTW 3 месяца назад
Not sat idle. House prices will be higher which will force people to buy further from cities, so they create infrastructure like freeways and trains to go there and create new suburbs or subdivide existing ones. You can then have houses that are 500k
@robguz1007
@robguz1007 3 месяца назад
leave the woke shit to yourself. my mum stayed at home, it's fine
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
What’s woke shit? 🤨
@kurt4566
@kurt4566 4 месяца назад
“In 10 years you’ll be able to buy 4 properties at $500k each, in locations that are going to grow 5% a year” 😂 Reverse engineering that to today that’s like saying you can find $200k properties in growth areas Comedy
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
I’m a part time comedian 🫡
@Ada_Isabella
@Ada_Isabella 3 месяца назад
I tried booking a call. I finalised the 7-minute form. Also provided my details to download the free book as a start but the links or your online bookings don't work. Unless it is something to do with me? Not sure.
@PersonalFinancewithRaviSharma
@PersonalFinancewithRaviSharma 3 месяца назад
Damn thats annoying! Shoot me an email and I’ll get this sorted asap for you 🙏 ravi@searchpropertyau.com.au
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