31/08/2026
Another great opportunity to join SBS Chinese to discuss an important change affecting SMSF investors in Australia:
SMSF property lending has changed. What does it mean for those who already own property, and is it still worth considering?
One of the biggest risks I see is people becoming too focused on the property itself:
📈 How much has it appreciated?
🏠 How much can I borrow?
💰 What rental income will it generate?
But from a retirement planning perspective, I believe we need to start with a different question:
What role is this property actually going to play in my retirement plan?
A successful SMSF property strategy isn't simply about property growth. We also need to consider cash flow, debt and holding costs, diversification, liquidity and whether the strategy aligns with broader retirement goals.
One of the key messages I shared during the interview was, being asset rich doesn't necessarily mean being cash-flow rich.
A property may be worth $2 million, but if most of your retirement wealth is tied up in one illiquid asset, that can create challenges when you actually need to fund your lifestyle.
Ultimately, good retirement planning isn't about finding the “best” asset.
It's about building the right mix of assets, income and liquidity to give you choices when you retire.
Thank you to SBS Chinese and Cindy Xie for inviting me back and for continuing to make financial topics more accessible to the Chinese-Australian community.
Always a pleasure to share practical perspectives on superannuation, investing and retirement planning.
Listen here: https://www.sbs.com.au/language/chinese/zh-hans/podcast-episode/smsf-property-rules-have-changed-what-happens-if-you-already-own-one-is-it-still-worth-buying/ax6dqjbdd
SMSF买房规则发生变化，已经买了房的人、准备买房的人，可能都需要重新算一笔账。澳洲证监会（ASIC）注册财务规划师从普通家庭的角度分享看法。欢迎点击链接收听，并在SBS中文社交媒体平台留言。
