Meet Liam and Sophie: Parents Planning for Their Future
Liam and Sophie, a couple in their early 40s, are busy professionals living in Sydney with their two young children. Between juggling careers and raising their family, they often found themselves thinking about their long-term SMSF objectives.
For years, they’d talked about the potential of property investment, but with the rising costs of living and the demands of parenthood, they wanted to take a more strategic approach. Exploring the idea of investing through their Self-Managed Superannuation Fund (SMSF) felt like the logical next step, offering a way to leverage their savings more strategically. However, they weren’t sure how to navigate the process or ensure their decisions aligned with their objectives.
“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 goal into a clear and actionable plan.
The Challenge: Navigating a New Concept with Limited Time
As part of their long-term retirement strategy, Liam and Sophie were determined to invest in property within their SMSF. While excited about the possibilities, they quickly realised that managing the process alongside their busy lives would be challenging.
The vast number of property options and the importance of making the right choice can be confusing. They wanted to ensure their investment delivered reliable rental income and long-term growth. However, their lack of experience with SMSF property investment meant they needed professional support.
“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 goals and what they hoped to achieve through their SMSF. We developed a tailored property strategy for their SMSF that identified opportunities in a region backed by key growth drivers and thorough market research, ensuring alignment with their investment objectives.
“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 offers affordable housing, strong tenant demand, and excellent connectivity to schools, hospitals, and employment hubs. These factors and its 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 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 superannuation 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, demonstrating the importance of planning and making thoughtful decisions to secure the 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.
