Grow SMSF

26/05/2026

After the 2026 Budget, SMSFs are the only structure that keeps full negative gearing on established residential property and the 33.3% CGT discount.

Read more and try our calculators:

Negative gearing SMSF 2026: SMSFs keep full negative gearing + 33.3% CGT discount. Check tax advantage using our calculators.

21/05/2026

We've had a few people asking for a comparison, so we've finally put one together.

It's great to see new businesses flourishing in the space providing greater choice and more options for investors.

Stake Super vs Grow SMSF. Compare setup and ongoing fees. Support differences for property, crypto & complex strategies. IBKR SMSF solution.

14/05/2026

Should have posted this earlier, but in this video I discuss the 2026 budget changes to capital gains tax and negative gearing, and explain why self-managed super funds (SMSF) have become the superior investment structure for long-term property and asset investments.

I break down the key advantages: a one-third CGT discount reducing effective tax to just 10% during accumulation phase, zero percent CGT post-retirement, and how SMSFs bypass the new negative gearing restrictions that now limit individual investors to new properties only.

I also explore tax arbitrage strategies that allow you to offset property losses with concessional contributions, making SMSFs the clear winner for building wealth through property investment.

12/05/2026

Budget thoughts.... 🧠

Still absorbing everything. Pretty much as what has been leaked last few days:

❌ 50% CGT discount for individuals/trusts removed from 1 July 2027 (except for new builds of resi property) - replaced with inflation based indexation with minimum 30% tax on net capital gain;
❌ Negative gearing removed for established resi properties purchased after budget night;
❌ From 1 July 2028, 30% minimum tax on distributions from family trusts.

IMPORTANTLY, neither change impacts superannuation funds including SMSFs.

✅ The existing 1/3rd CGT discount applicable to assets held by SMSFs for more than 12 months still apply;
✅ The negative gearing changes specifically do not apply to super funds. The following directly from the budget papers: “Properties in widely held trusts and superannuation funds will be excluded”
✅ Fixed trusts (including those with SMSF shareholders) also excluded.

12/05/2026

2026 Budget hitting tonight.

It's going to be brutal for investors, but for SMSFs we believe they will become even more relevant for long term investors.

Read more 👇 (article to be updated post budget release)

SMSF 2026 Budget: Negative gearing restricted to new builds. 50% CGT discount changed from July 2027. SMSF best property investment structure

28/04/2026

Working out whether an SMSF is suitable solely by looking at super balance misses the point.

Whether an SMSF is suitable or not is much more nuanced. Super balance is only one thing to consider.

SMSF suitability is not just about super balance. Consider time, knowledge, goals, costs and contributions. Free SMSF Suitability Checklist.

27/04/2026

Payday Super starts in July 2026.

Good for employees - but there are some extra things SMSF members need to check before 1 July 2026 comes arounds.

Don't make your employer or payroll officer angry!

Payday Super SMSF Guide. From 1 July 2026 employers must pay super with wages. SMSFs need to check ESA, complying status, and bank account.

25/04/2026

Catch up concessional contributions (also known as carry-forward concessional contributions) give SMSF trustees a simple way to use unused before-tax contribution room from the past five years.

Understand how to calculate how much you can contribute and what you need to do to ensure you get the tax deduction.

Catch up concessional contributions SMSF in 2026. Max before-tax contributions, claim a tax deduction & boost your SMSF before 30 June 2026.

24/04/2026

It is common for people to retain an account with an industry or retail super fund to keep insurances when they start an SMSF.

However the insurance cover can be lost if you're not careful.

Check out our recent blog article to learn what to watch out for 👇

Real story + practical steps to protect your life insurance under PYS laws (even if you have an SMSF).

23/04/2026

If you’re asking “How much does it cost to setup an SMSF?”, you’re not alone.

In this article we break down how much it costs to setup an SMSF and how to avoid mistakes that will cost you more in the long term.

Discover how much does it costs to setup an SMSF. Transparent pricing from $880–$1,495, full breakdown & expert SMSF guidance from Grow SMSF.