How to keep your SMSF debt-free and improve your returns

Key Points How to increase your after-tax returns, not your super assets under management Eliminate the additional costs associated with SMSF borrowing Principles outlined apply to all asset classes Background Borrowing by SMSFs is becoming very popular. Options include limited recourse property loans, structured products; and self-funding installments (SFIs). It’s a popular strategy but it is neither smart nor tax-effective. There’s a better way. The golden rules of tax-effective investing are simple enough; Maximise your tax deductions at higher tax rates and minimise taxable income or, at the very least, have it taxed at the lowest rate possible. Those...

Borrowing by SMSFs is becoming very popular. Options include limited recourse property loans, structured products; and self-funding installments (SFIs).

It’s a popular strategy but it is neither smart nor tax-effective. There’s a better way.

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