One of the reasons why SMSFs are the superannuation structure of choice for many Australians is the flexibility they provide to invest in assets not often available to members of larger APRA regulated funds, including industry and retail funds.
Larger super funds are certainly active in holding direct property assets however a member is unable to select a specific piece of real estate to hold within their account. This is where the SMSF comes into its own.

Over the last few years, Self-Managed Super Funds (SMSFs) in Australia have become more popular, as more people are choosing to have greater control and more flexibility over their retirement savings. By establishing an SMSF, investors are able to manage their own super portfolio instead of it being managed by a fund manager. And while there are certainly benefits to this type of investment, it’s vital investors are clear on what the pitfalls are to avoid.

One of the most common questions we get asked is whether it’s best to pay off a mortgage first or salary sacrifice and pay extra into a superannuation fund, or to do both. While the answer to this question is never straightforward and will depend on things like lifestyle, financial position, and time of life, salary sacrificing can be a tax-effective strategy when implemented correctly. To help you decide, here’s an explanation of what it means and examples of how both options work.