SOPHISTICATED INVESTORS ARE SWITCHING TO SELF MANAGED SUPER FUNDS TO EXPLOIT THE SYSTEM

# PURCHASING THROUGH AN SMSF RESULTS IN JUST 15% TAX ON INVESTMENT GAINS 

# SELLING FROM AN SMSF AFTER YOU TURN 60 RESULTS IN ZERO TAX TO PAY

# THE STRATEGY IS PARTICULARLY ATTRACTIVE TO PRE-RETIREES

Property investor and B.Invested founder Nathan Birch says he is seeing a surge in his investor clients shifting their buying strategy into self‑managed super funds (SMSFs) to exploit a very attractive loophole - they pay just 15% on investment earnings instead of 25% following changes to capital gains tax.

He adds that super fund managers will not tell you about this because it would result in a mass exodus from super funds that provide mediocre returns to their members.

Nathan cites a case study client who had $200,000 in their super fund five years ago. They used this to buy three properties for under $200,0000 each, five years later they can now sell each for $650,000, and with $1.5 million cash, they now plan to purchase 14 properties with their SMSF.

"It is far more attractive to an investor to pay just 15% instead of 30-40% personal tax rate or 47% capital gains tax," he said.

Birch notes that SMSFs have become particularly attractive for mid‑career and pre‑retirement investors who want to accelerate their super balance through leveraged property rather than passive fund performance.

"Another little-known fact is that once anyone reaches 60 years old, they can sell their properties and pay zero tax, so they set themselves up for a very comfortable retirement," he said.

"People want control. They're sick of watching their super drip into managed funds with minimal returns. Property inside super gives them leverage, cash flow, and a tax rate that actually rewards long‑term strategy."

He adds that with inflation still on the rise, the real value of long‑term SMSF debt falls, while rents continue to climb.

"SMSFs aren't a free‑for‑all. You need the right structure, the right advice, and a property strategy that fits the rules. But for those who do it properly, the tax advantages are massive."

B.Invested encourages Australians to seek professional advice before establishing an SMSF or purchasing property through one to ensure they comply with ATO regulations.

"This is a moment where strategy matters more than ever. The tax system is rewarding people who think long‑term, and that's what we help investors build every day."

Birch has a personal property portfolio of over 380 properties and is well known for securing below value properties for his clients that are cash positive and under the $300,000 mark.

TO INTERVIEW B.INVESTED FOUNDER NATHAN BIRCH: email marta@marksonsparks.com or call Marta Wiacek on 0409 291 785 or email max@marksonsparks.com or call Max Markson on 0412 501 601.

Marta Wiacek

0409 291 785