From 10 August 2026, self managed super funds can no longer borrow to buy residential property. For medical professionals with an SMSF, or weighing one up, that raises a sharper question: why run one at all. Felix Taing and senior financial planner Aaron Phuong walk through what still works, from commercial property and becoming your own landlord to unlisted investments and the tax edge super holds over your own name. This Wealth Management episode reframes a rule change as a prompt. The door has narrowed. The opportunity has not. Here is where doctors go next.

• Changes in SMSF regulations now prohibit borrowing for residential properties, effective from August 10, 2023.
• Commercial property remains unaffected by these changes, presenting a strategic alternative for SMSF investors.
• Diversification in SMSFs can include investments in unlisted companies and investment trusts, offering broader control and unique opportunities.
• The tax advantages of SMSFs, such as a maximum tax rate of 15% and 10% on long-term capital gains, are compelling compared to traditional property investments.
• Professional advice is vital for setting up an SMSF, ensuring compliance and maximising financial potential through strategic planning.

1. "You become your own landlord in the business, even though the business itself doesn't own the property." - Aaron Phuong
2. "You can actually use your super to buy that commercial premises." - Aaron Phuong
3. "A lot of people do rule out the potential to step in a self-managed fund because their balances may not be quite there." - Felix Taing
4. "You need the right advice behind you so that you're stuck with a quality asset when you do transition." - Felix Taing
5. "The superannuation legislation that governs how an SMSF, what they need to do to remain compliant, that has to be strictly followed." - Aaron Phuong

• Affluens Wealth Advisory Services: https://affluens360.com.au/