Case Study: Rajesh & Amitha

Rajesh and Amitha were experienced property investors with an established portfolio, but they wanted to take the next step by leveraging their Self-Managed Super Fund (SMSF) to accelerate their retirement goals.

At the age of 47, Rajesh works in the oil industry, while Amitha is a school teacher. Their objective was clear:
To build a property strategy within their SMSF that would generate $5,000 per month in passive income after retirement.

While they already had strong knowledge of property investing, SMSF investing presented a new set of challenges:

• Strict lending and compliance structures
• Higher deposit requirements
• Complex loan conditions
• Lower borrowing power
• Greater importance placed on location and asset quality

They needed expert guidance to navigate the technical requirements and structure the investment correctly.

Working closely with Rajesh and Amitha, we built a customised capital growth strategy inside their SMSF. Due to the nature of SMSF lending, we coordinated extensively with their mortgage broker to ensure:

✅ Lender requirements were fully understood
✅ Loan structure was compliant
✅ Borrowing capacity was optimised
✅ Risk was managed effectively
✅ The property selected met SMSF lending criteria

We focused on securing a property in a high-demand location close to shopping centres, amenities and transport prioritising long-term capital growth alongside strong rental appeal.

Within 45 days, we successfully secured a high-quality SMSF investment property at below market value.

Property snapshot

• Purchase Price: $696,000
• Rental Yield: 4.8%
• Location: Premium, high-demand area
• Settlement: 2 months
• Strategy: Capital growth
• Rental structure: Rent-back option chosen
   

Within just one month, the property had already shown an estimated $10,000 uplift in value, validating the strategy and purchase decision.

This investment now forms a strong foundation within their SMSF, setting them up for:

✅ Long-term growth
✅ Future borrowing potential
✅ Retirement income planning
✅ Asset diversification

Encouraged by the strong start, Rajesh and Amitha are now preparing for their next SMSF property acquisition.

Rajesh and Amitha’s journey demonstrates how SMSF investing, when structured correctly, can be a powerful wealth-building tool.

By combining expert advice, careful planning and high-quality asset selection, they were able to move forward with clarity and confidence — building their retirement strategy inside their super, rather than leaving it underperforming.

Their story highlights the importance of professional guidance when dealing with complex investment structures like SMSFs.