The TOP QUESTIONS About Investing in Property with Your SUPER!

Investors Choice Group
13 minutes ago
3 min read

One of the most common questions we get is: Why use your SUPER to invest in property?

It’s a fair question—after all, your retirement is on the line! But the answer is simple: Property has historically outperformed many traditional super funds, offering more growth and stability.

In this detailed guide, we’ll cover:

Why property is a safer long-term investment
How to leverage your SMSF effectively
The common myths and misconceptions
Real-life examples of successful SMSF property investors

Why Property is a Safer Long-Term Investment

Investing in property through your Self-Managed Super Fund (SMSF aka SUPER) is gaining traction among everyday Australians, and for good reason. Unlike traditional super funds that typically offer returns around 5.4% per year, property investment has shown a long-term growth rate of 6.8% per year on average in Australia.

Historical Data Backs It Up

Over the past 20 years, Australian property values have consistently increased, with the median house price in Brisbane rising by 200% since 2003.
In contrast, many traditional super funds have struggled to keep up, especially in volatile market conditions.
Property investments also offer capital growth and rental income, both of which help secure financial stability.

How to Leverage Your SMSF Effectively

The key to successful property investment within your SUPER lies in strategic planning and leveraging the right opportunities.

Here’s how we do it at Investors Choice Group:

Start with a Clear Investment Strategy
- Define your long-term financial goals.
- Identify the type of property that matches your growth expectations.
Select High-Growth Areas
- We focus on emerging suburbs with infrastructure development, such as Pimpama on the Gold Coast, where recent clients Matthew & Pam saw a $50,000 profit at settlement.
- Other high-growth areas like Brisbane and Armidale have consistently shown strong returns.
Focus on Cash Flow and Capital Gains
- Properties that generate high rental yields while also appreciating in value are the best options.
- For example, our clients Philip & Ruth in Maudsland, QLD bought a property in 2017 for $537,420, and it’s now worth $1,100,000—that’s a profit of $562,580 in just 8 years!
Minimise Risk with Tenant Guarantees
- At Investors Choice Group, we offer a 5-Year Tenant Guarantee, ensuring your rent is always paid, even during vacancies. This eliminates one of the biggest fears property investors have.

Common Myths and Misconceptions

Let’s address some of the most common myths we hear:

Myth 1: You need millions to invest with your SUPER.

In reality, you can start with $220k in combined SUPER (with a partner), and leverage that to secure a high-performing investment property.

Myth 2: It’s too risky to put all your eggs in one basket.

Property can actually diversify your investment portfolio when chosen correctly. Plus, our approach mitigates risks through tenant guarantees and strategic area selection.

Myth 3: It’s complicated and time-consuming.

Not when you have the right team guiding you. We handle everything from finance coordination to property management, making it simple and efficient.

Real-Life Success Stories

One of our clients, Grant, recently settled on a House & Land package in Armidale, NSW, despite facing delays and challenges. The property, purchased for $620,000, is now valued at $760,000—a profit of $140,000 on settlement day! Another client, Zane Musgrove, an International Super Rugby star, recently invested in his second property with us, benefiting from our expert guidance and structured investment approach.

These stories demonstrate that it’s possible to achieve significant financial growth with the right strategy, even during uncertain market conditions.

Why Now Is the Right Time to ACT

With 2025 shaping up as a strong year for property, many Australians are looking to make their super work harder. Property offers:

Tangible Assets: Unlike shares, property gives you a physical investment.
Regular Income: Rental yields can supplement your super returns.
Capital Growth: Real estate historically appreciates, particularly in high-demand areas.

According to recent data from CoreLogic, areas like Brisbane and the Gold Coast are seeing continued demand, with property values expected to rise further due to infrastructure investments and interstate migration.

Take Control of Your Retirement

The biggest mistake you can make is letting your SUPER sit idle. Imagine retiring years earlier with a secure, income-generating asset. Property investment through your SMSF can make that possible.

Don’t wait—take action today.

Let’s see if you qualify to invest your SUPER in property.