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How Real Estate Investment Can Help You In Retirement

Real estate investment has long been viewed as an enormous support financially for self-funded retirees.

These days, things are far more complex than they used to be. Gone are the days where retirement meant you would finish work, register for the age pension, as you drive off into the sunset or head to the bowling club. The fact is, we are living longer and have developed greater expectations for retirement.

Property investment can offer considerable pluses for retirees. Let’s look at some of the benefits:

Significant Tax Breaks

Through investing in property, you stand to make some fairly generous tax saving over time. The savings available through negative gearing alone can be significant, and certainly come as a handy contribution to an investor’s cash flow.

You should consider any property as a long term asset. For retirees, in particular, tax breaks will add up to extra income.

Taking Control

There’s no secret that when it comes to personal wealth, we all like to remain in control. By investing in a property, you will be able to do so. Firstly, you will be able to be behind a selection process which includes which property/properties you wish to invest in. But also, you will be able set the rates of rent, hand pick tenants, and choose a property manager to your liking.

Consider that, as an investor, you would have the opportunity to add value to their property by dictating what improvements, renovations, upgrades occur.

Real Estate Investing In Your Own Superannuation

There are stern contribution caps in place for superannuation, so you may not be able to invest every bit of your proceeds without tax penalties. However, as of July 2017, a tax ruling labelled the “bring-forward rule” will allow you to contribute up to $300,000 (after tax) as one lump sum within a three-year period if you are under 65.

Investing this money in super is a highly effective tax option because after you can 60 any payments from your super are tax free.

How Much Savings Will You Need When You Retire?

This depends on what sorts of retirement lifestyle you would like to lead. Be sure to factor in your assets and liabilities as well. Once you’ve come to these conclusions, you will need to calculate how much capital will help you reach these goals.

You may hold concerns over how much money you have in super, questioning whether it will be enough for a comfortable retirement. There are a number of ways you can improve your super.

How Can I iBuyNew help?

Need help getting started? iBuyNew will point you in the right direction! Whether you are looking for apartments, townhouses or house and land packages, working closely with an iBuyNew property consultant, who understands the market, will help you find something suitable that’s tailored to your needs and requirements. Get in touch with them on 1300 123 463.

Michael Poiveson

Armed with a background in multimedia and written communications, Michael has a zest for everything outdoor living, and can be found enjoying the serenity of occasionally overlong scenic walks.


iBuildNew is the market leading aggregator dedicated to residential home construction and land development. As an independent platform, iBuildNew helps Australians identify and compare new home designs, house and land packages and land estates. It’s the smart way home buyers, who are considering a new build, can find the ideal options to match their individual needs. Home building is a big decision, we make sure you get it right.

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