Adjust the numbers below and watch commercial property compound against sitting in super, year by year.
The property is purchased inside your SMSF. Ongoing contributions pay down the loan, accelerating as the balance shrinks.
Up to $0 at full borrowing capacity.
Illustrative only. Not financial, credit or tax advice. Assumes 12% superannuation guarantee, a $30,000 concessional cap per member, 15% contributions tax and a 7% loan interest rate, with super fund growth and commercial property growth set by the sliders above. Borrowing capacity is eight times year-one contributions plus rent, solved jointly with the purchase price and acquisition costs. The property sits inside the SMSF: net contributions and net rental cashflow pay down the loan each year, and once repaid, surplus cash compounds at the super fund growth rate alongside the fund, and is assumed to pay the same dividend yield used for the super-only comparison. Actual returns, caps, costs and lending terms vary. Speak to a licensed adviser before acting.
