Can I buy property through my super?

Answer

You can invest in property through many retail, corporate or industry superannuation funds or through a self managed super fund (SMSF). However, the options for investing in property vary depending on the fund.

You may be able to invest in property indirectly through a retail, corporate or industry super fund. Many of these funds allow you to invest in listed property trusts or as part of a large diversified portfolio that invests in certain types of property such as infrastructure or commercial property. You can also access these indirect property investments through an SMSF.

SMSFs can invest directly in residential and commercial property

An SMSF fund can buy business premises or investment properties. As trustee of your SMSF (or a director of the corporate trustee of the SMSF), you have greater control over which property (or properties) your fund invests in. You choose which property to buy, manage the rent and any expenses and decide when to sell.

Before your SMSF buys property, you need to understand superannuation law and other relevant laws in this area. Importantly, the SMSF’s trust deed must enable you to buy property, and property must form part of your fund’s investment strategy. There are also restrictions on who you can buy property from and who it can be rented to.

We recommend that you speak with a financial adviser to help you decide if buying property through your super fund is right for you.

More information

Visit our AMP Capital website for more information about investing in property through through your SMSF.

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Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account.

This information is provided by AMP Life Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.