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Young Australians are driving record growth in self managed super funds. On the Today Show, InvestorKit CEO Arjun Paliwal explained why SMSFs are becoming the preferred path for those who want more control over their retirement wealth.
What Happened
During a live segment on the Today Show, Arjun broke down the rapid rise of SMSFs and why many Australians are shifting away from traditional retail and industry funds. He discussed how property access, trust, and control are reshaping investor behaviour. He also clarified common misunderstandings and emphasised the importance of strategic planning.
Key Findings
1. Control Is Driving the Shift
SMSFs allow members to make their own investment decisions rather than relying on third parties. This hands on structure appeals to investors who want oversight and transparency.
2. Property Access Is a Major Motivator
With property outperforming over recent years, many investors want direct ownership through super. SMSFs make this possible by allowing lending within the fund for property acquisition.
3. Technology Makes SMSFs More User Friendly
Modern platforms now provide clear visibility across the fund’s performance and holdings. This transparency strengthens confidence and reduces uncertainty.
4. SMSFs Require Active Management
Unlike set-and-forget super funds, SMSFs place responsibility on members to manage investments, compliance, and strategy. Without a clear plan, results can underperform.
5. Misconceptions Are Common
Arjun highlighted several misunderstandings. You cannot buy a home to live in through an SMSF. You cannot draw equity from SMSF property the same way you can personally. You cannot inject unlimited funds to cover shortfalls. Understanding contribution caps and borrowing rules is essential.
Lessons for Investors
SMSFs offer flexibility, control, and access to property, but they are not suitable for everyone. Investors must understand the structure, rules, and long term responsibilities. Clear planning is essential, and professional guidance can prevent costly mistakes. SMSFs work best when paired with discipline, compliance awareness, and evidence based strategy.
Action Steps
- Seek expert advice first to confirm suitability before establishing an SMSF.
- Build a structured investment strategy based on long term retirement goals.
- Learn the rules around contributions, borrowing, and property use to avoid compliance issues.
- Assess whether direct property investment aligns with your retirement plan.
- Use platforms that offer full visibility into fund performance and management.
Book Your Free Discovery Call
If you want clarity on whether an SMSF fits your long term wealth strategy, or you want evidence based property guidance, book a free discovery call with InvestorKit today.