How to safely Build Financial Success with Self managed Super Funds (SMSF) and Property Development - the numbers that show you are crazy not to be involved.

1. PROPERTY DEVELOPMENT &
INVESTMENT SPECIALISTS

2. Superannuation Fund
Watch your money grow Self Managed Super Fund
Property/Project

3. Self Managed Superannuation
Fund
• Register a new company for your self managed super fund
• Grant Muddle can help you do this
• Arrange for funds to be transferred into your new company
sunsuper Self Managed Super Fund

4. INVESTMENT PROPERTY
Single Dwelling
21 Smith Street Investment Property
Toowoomba Mr. & Mrs. E. Thompsin

5. Single Dwelling Example
21 Smith Street
Mr. E. Thompsin Mrs. E. Thompsin Toowoomba
$150,000 $100,000 Rent
Sunsuper MLC $450 per week
$450,000
value
Self Managed Superfund
$250,000 $250,000
Loan $200,000

6. SELF MANAGED SUPER FUND
Purchase – 21 Smith Street, Toowoomba
Mr. E. Thompsin
Salary $120,000
9% will continue
to go into your
SMSF
+
Super
Contributions +
Rent from
Property - Loan
Repayments
Mrs. E. Thompsin
Salary $80,000
9% will continue
to go into your
SMSF

7. BENEFIT OF
SMSF/PROPERTY INVESTMENT
CONTRIBUTION FROM
RENT Increased
YEAR LOAN AMOUNT SALARIES Increased 2% REPAYMENTS @ 7% POSITIVELY GEARED
2.5% p.a.
p.a.
1st $200,000 $18,000 $23,400 $14,000 27,400
2nd $172,600 $18,360 $23,985 $12,082 30,263
3rd $142,337 $18,727 $24,585 $9,964 33,348
4th $108,989 $19,102 $25,199 $7,629 36,672
5th $72,317 $19,484 $25,829 $5,062 40,251
6th $32,066 $19,873 $26,475 $2,245 44,104
7th $12,038 $20,271 $27,137 FREEHOLD 59,446
8th $59,446 $20,676 $27,815 FREEHOLD 107,938
9th $107,938 $21,090 $28,511 FREEHOLD 157,538
10th $157,538 $21,512 $29,223 FREEHOLD 208,273
NOTE: ON THESE ESTIMATED COSTS YOU WILL OWN YOUR PROPERTY
AFTER 7 YEARS FREEHOLD

8. NEGATIVE OF TRADITIONAL SUPER FUND
MLC
SUNSUPER MR. THOMPSON INTEREST MRS. THOMPSIN INTEREST
FOR MRS E. COMBINED
FOR MR. E. THOMPSIN CONTRIBUTION FROM CONTRIBUTION FROM
YEAR TOTAL THOMPSIN TOTAL POSITIVELY
ROR 3.4% 1-5 years FROM SALARY SUPER FROM SALARIES SUPER
ROR 1.4% 1-5 years GEARED
ROR 6.1% 6-10 years Increase of 2% pa FUND Increase of 2% pa FUND
ROR 4.3% 6-10 years
1st $150,000.00 $10,800 $5,100 $165,900 $100,000.00 $7,200 $1,400 $108,600 274,500
2nd $165,900.00 $11,016 $5,641 $182,557 $108,600.00 $7,344 $1,520 $117,464 300,021
3rd $182,556.60 $11,236 $6,207 $200,000 $117,464.40 $7,491 $1,645 $126,600 326,600
4th $199,999.84 $11,461 $6,800 $218,261 $126,599.78 $7,641 $1,772 $136,013 354,274
5th $218,260.89 $11,690 $7,421 $237,372 $136,012.88 $7,794 $1,904 $145,711 383,083
6th $237,372.02 $11,924 $14,480 $263,776 $145,710.57 $7,949 $6,266 $159,926 423,701
7th $263,775.79 $12,163 $16,090 $292,029 $159,925.50 $8,108 $6,877 $174,911 466,939
8th $292,028.67 $12,406 $17,814 $322,248 $174,910.67 $8,271 $7,521 $190,702 512,951
9th $322,248.22 $12,654 $19,657 $354,559 $190,702.37 $8,436 $8,200 $207,339 561,898
10th $354,559.28 $12,907 $21,628 $389,094 $207,338.52 $8,605 $8,916 $224,859 613,953
TOTALS $118,257 $120,837 $78,838 $46,021 363,953

9. PROJECTED PROFIT AFTER TEN YEARS
For Mr. & Mrs. E. Thompsin
Superannuation Self Managed Super
Fund Fund
$900,000
HOUSE
$613,953 $208,273 + FREEHOLD
TOTAL = $613,953 TOTAL = $1,108,273

10. INVESTMENT PROPERTY
Townhouse Development
16 Chirn Crescent,
Labrador, Gold Coast
2 x Townhouses
Investment Property
Mr. & Mrs. G. Jones

11. Townhouse Example
16 Chirn Crescent, Labrador, Gold Coast
Mr. G. Jones Mrs. G. Jones
$221,000 $85,000
AMP MLC
Value
$450,000
$153,000
$306,000
Self Managed Superfund
$306,000
Value
$450,000
$153,000
Loan $400,000

12. SELF MANAGED SUPER FUND
Purchase – 2 x Townhouses at
16 Chirn Crescent, Labrador, Gold Coast
Mr. G. Jones
Salary $110,000
9% will continue
to go into your
SMSF
+ Super
Contributions + Rent from
Property - Loan
Repayments
Mrs. G. Jones
Salary $80,000
9% will continue
to go into your
SMSF

13. BENEFIT OF
SMSF/PROPERTY INVESTMENT
CONTRIBUTION
RENT Increased 2.5%
YEAR LOAN AMOUNT FROM SALARIES REPAYMENTS @ 7% POSITIVELY GEARED
p.a.
Increased 2% p.a.
1st $400,000 $17,100 $46,800 $28,000 35,900
2nd $364,100 $17,442 $47,970 $25,487 39,925
3rd $324,175 $17,791 $49,169 $22,692 44,268
4th $279,907 $18,147 $50,398 $19,594 48,952
5th $230,956 $18,510 $51,658 $16,167 54,001
6th $176,954 $18,880 $52,950 $12,387 59,443
7th $117,511 $19,257 $54,274 $8,226 65,305
8th $52,206 $19,643 $55,630 $3,654 71,619
9th $19,413 $20,035 $57,021 $0 96,470
10th $96,469 $20,436 $58,447 $0 175,352
NOTE: ON THESE ESTIMATED COSTS YOU WILL OWN YOUR PROPERTY
AFTER 9 YEARS FREEHOLD

14. NEGATIVE OF
TRADITIONAL SUPER FUND
Mr G. JONES MLC Mrs G. JONES
AMP INTEREST INTEREST
CONTRIBUTION FOR Mrs G. JONES CONTRIBUTION COMBINED
FOR MR. G. JONES FROM FROM
YEAR FROM SALARY TOTAL ROR 1.4% 1-5 years FROM SALARY TOTAL POSITIVELY
ROR 3.0% 1-5 years SUPER SUPER
Increase of 2% ROR 4.3% 6-10 Increase of 2% GEARED
ROR 3.7% 6-10 years FUND FUND
pa years pa
1st $221,000.00 $9,900 $6,630 $237,530 $85,000.00 $7,200 $1,190 $93,390 330,920
2nd $237,530.00 $10,098 $7,126 $254,754 $93,390.00 $7,344 $1,307 $102,041 356,795
3rd $254,753.90 $10,300 $7,643 $272,696 $102,041.46 $7,491 $1,429 $110,961 383,657
4th $272,696.48 $10,506 $8,181 $291,383 $110,960.92 $7,641 $1,553 $120,155 411,538
5th $291,383.33 $10,716 $8,741 $310,841 $120,155.07 $7,794 $1,682 $129,631 440,472
6th $310,840.91 $10,930 $11,501 $333,272 $129,630.75 $7,949 $5,574 $143,154 476,427
7th $333,272.42 $11,149 $12,331 $356,753 $143,154.26 $8,108 $6,156 $157,418 514,171
8th $356,752.51 $11,372 $13,200 $381,324 $157,418.26 $8,271 $6,769 $172,458 553,782
9th $381,324.34 $11,599 $14,109 $407,033 $172,457.78 $8,436 $7,416 $188,309 595,342
10th $407,032.77 $11,831 $15,060 $433,924 $188,309.41 $8,605 $8,097 $205,011 638,936
TOTALS $108,402 $104,522 $78,838 $41,173 332,936

15. PROJECTED PROFIT AFTER TEN YEARS
For Mr. & Mrs. G. Jones
Superannuation Self Managed Super
Fund Fund
$1,800,000
2 X TH
$638,936 $175,352 + FREEHOLD
TOTAL = $638,936 TOTAL = $1,975,352

16. Superannuation Funds
Rates of Return over 7 year period
FIVE YEAR PER SEVEN YEAR
RANK FUND NAME FUND TRUSTEE ABN FUND TYPE ANNUM ROR PER ANNUM
(%) ROR (%)
TOTAL RISK
BHP BILITON
27
SUPERANNUATION FUND
MANAGEMENT PTY. 30187082512 CORPORATE 3.8 6.5
LTD.
RIO TINTO STAFF RIO TINTO STAFF FUND
31
SUPERANNUATION FUND PTY. LTD.
98438661856 CORPORATE 3.6 6.4
SUNSUPER
43
SUPERANNUATION FUND
SUNSUPER PTY. LTD. 98503137921 INDUSTRY 3.4 6.1
BT SUPERANNUATION WESTPAC SECURITIES
91
INVESTMENT FUND ADMIN. LTD.
29769424728 RETAIL 2.6 5.1
MLC SUPERANNUATION NULIS NOMINEES
137
FUND (AUST) LTD
40022701955 RETAIL 1.4 4.3
AMP PERSONAL AMP
153
SUPERANNUATION FUND SUPERANNUATION LTD
90806277502 RETAIL 3.0 3.7
Statistics
APRA publishes a suite of 14 statistical publications that provide regular updates on the financial performance of APRA-regulated
industries and individual entities. APRA follows statistical principles (link below) aimed at ensuring that users can have confidence
in the integrity of its statistics.
APRA’s data are shared with the Australian Bureau of Statistics (ABS) and the Reserve Bank of Australia (RBA). APRA also provides
statistics to international agencies such as the Organisation for Economic Co-operation and Development (OECD), the
International Monetary Fund (IMF) and the Bank for International Settlements.

17. Development/Project
• Source a property/project to purchase
• We have projects ready to build, joint venture groups etc
• We recommend a brand new investment so you can benefit from all the
tax deductions