Meet Liam and Sophie: From Time-Poor to Confident SMSF Investors
SMSF property investment gave Liam and Sophie, busy Sydney professionals in their early 40s with two young children, a way to turn long-term retirement goals into a clear and achievable plan.
For years, they’d discussed the potential of property investment, but with the rising cost of living and the demands of parenthood, they knew they needed a more strategic approach. Investing through their Self-Managed Superannuation Fund (SMSF) felt like the logical next step, offering a way to leverage their savings more effectively. However, they weren’t sure how to navigate the process or ensure their decisions aligned with their long-term goals.
“We’ve always believed in the potential of property,” Sophie shared. “But starting the SMSF journey felt overwhelming, and we didn’t want to risk making the wrong decision.”
Referred by their accountant, they turned to us for property guidance to transform their SMSF goals into a clear, strategic, and actionable plan.
The Challenge: Navigating a New Concept with Limited Time
As part of their retirement strategy, Liam and Sophie were determined to invest in property through their SMSF. While excited about the possibilities, they soon realised that managing the process alongside their busy lives would be challenging.
With so many property options and the importance of making the right choice, they knew their investment needed to deliver reliable rental income and long-term growth. Their lack of experience in SMSF property investment meant professional guidance was essential.
“We had a clear goal, but we needed guidance to make confident, informed decisions,” Sophie admitted
The Turning Point: A Plan Built Around Their Goals
When Liam and Sophie reached out, we began by understanding their investment objectives and what they hoped to achieve through their SMSF. We developed a tailored property strategy that identified opportunities in a growth-focused region backed by strong market fundamentals—ensuring alignment with their investment goals.
“Having every step broken down not only simplified the process but also gave us confidence in our ability to make informed decisions,” Sophie said. “We finally felt like we were making the right choices to secure our future.”
Our Approach: How We Made It Happen
- Personalised Strategy
We designed a property roadmap tailored to Liam and Sophie’s SMSF goals, focusing on steady rental income and sustainable growth to build a secure foundation for their retirement. - Market Research & Insights
Our research and analysis of different regions identified Melbourne’s south-east as a prime investment location. This vibrant region offered affordable housing, strong tenant demand, and excellent connectivity to schools, hospitals, and employment hubs. These factors, and the long-term growth potential made it an ideal match for Liam and Sophie’s SMSF goals. - Property Selection
We secured a brand-new 4-bedroom house for $630,000. The property’s open-plan design, high-quality finishes, and proximity to parks and amenities were strategically chosen to attract long-term tenants while maximising investment potential. - Collaborating with a Trusted Team
We worked closely with Liam and Sophie’s finance broker and accountant, ensuring clear communication and alignment at every stage. Regular updates kept the entire team on track, contributing to a smooth and stress-free process. - End-to-End Support
From strategy development to settlement, we managed every detail. This included coordinating inspections, arranging landlord insurance, and preparing tax depreciation schedules. The property was leased within 15 days of settlement, generating immediate rental income and giving them peace of mind to focus on their busy lives.
The Results: Building Wealth Within Their SMSF
Liam and Sophie’s investment property delivered measurable results:
- Equity Growth: In its first year, the property’s value increased by $55,000, reaching $685,000—a strong start toward their retirement goals.
- Rental Income: Generating $610 weekly, the property provides steady and reliable returns.
- Portfolio Sustainability: Managed entirely within their SMSF, the property’s costs are covered by rental income and employer contributions, with surplus funds available to support other SMSF expenses.
- Projected Gains: The property is forecast to grow steadily, reaching approximately $815,000 in 4 years—a gain of $185,000, equivalent to nearly eight years of their combined annual super contributions.
“This investment was about more than investing in a property,” Sophie said. “It was about feeling confident that every decision we made was helping us secure our future.”
The Transformation: A Confident Start Toward Retirement Goals
For Liam and Sophie, this property marked the start of a new chapter in their retirement planning. The clarity they gained turned what once felt overwhelming into a journey of empowerment.
“Retirement planning used to feel overwhelming,” Liam shared. “Now, with the right strategy, it feels achievable—and this property is just the start of what we can accomplish.”
This investment also became a valuable teaching moment for their children—showing the importance of planning and making thoughtful decisions to secure their future.
Your Journey Starts Here
Liam and Sophie’s story shows how expert guidance can support purchasing property within an SMSF to help you build a stronger foundation for your retirement. Contact us today to explore how property investment can help you plan for your future.
