How a couple invested $291,466 and grew their super by $781,656
IMPORTANT: This document contains general information only and does not take into account your personal objectives, financial situation, or needs. You should consider whether it is appropriate for your situation and seek independent financial advice.
They didn't touch their savings. They used existing super balances to enter a structured SMSF property — and 4 years and 9 months later, a bank automated valuation estimate (AVM) reflected what the numbers showed. This strategy involves risks including property market fluctuations, lending conditions, and SMSF compliance obligations.
Your super is working for someone else’s returns become — not yours
The average super fund returns 7–9% per annum in a good year. The clients in this case study achieved a 268% return on their deposit in under 5 years — through a structured SMSF property.
Your super balance is growing — but sitting in a managed fund where you have no control, no physical asset, and no ability to leverage it.
An SMSF changes all of that.
Different investment structures can produce different outcomes depending on individual circumstances and market conditions.
Example outcome based on one client scenario
From $291,466 in Super to a $1,735,000 portfolio in 4.9 years
This couple used their combined SMSF balances as the deposit on a dual-dwelling build in Caboolture, Queensland. At the time, the clients had over $500,000 in their super.
The deposit was sourced from existing super balances; however, ongoing costs, borrowing requirements, and risks applied.
The outcome was influenced by market conditions, timing, and the specific investment structure used.
We didn't change their income. Different investment structures can produce different outcomes depending on individual circumstances and market conditions. The result — $291,466 in super growing to a $1,735,000 AVM-estimated portfolio — came from deploying what they already had. This type of strategy may be relevant to some SMSF members depending on their individual circumstances.
Darren Walters · No1 Property Guide
If you recognise any of these — keep reading
You do not need to tick all three. One is enough to start the conversation.
Do you have super sitting in a managed fund doing nothing special?
If your super is growing at a standard fund rate while you watch property prices move — there may be a structure that puts your super to work in a physical, leverageable asset instead.
Do you have a combined SMSF balancethat could support a deposit?
The clients in this case study used $291,466 between two members. If your combined super balance is in a similar range — the structure that created this result may be worth reviewing for your situation.
Are you wondering if your super retirement position could be stronger?
Two income-producing properties inside a tax-advantaged SMSF — growing in value while generating rent — is a materially different retirement position than a managed fund. The only question is whether the structure fits.
These are common factors considered when exploring SMSF property strategies. Individual suitability will vary.
This is not advice. It is what happened — based on a bank automated valuation estimate (AVM) — for one client who asked the question.
General information only. Not financial or investment advice. Individual results will vary. Past performance is not indicative of future results.
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Talk to our team about how SMSF property structures work and whether it suits your situation.Call Darren - 0450 669 075
