Pizza and Property Weekly Slice 265: How Much Super Do You Really Need? - with Dawn Fouhy & Todd Sloan
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Dec 23, 2025 Dawn Fouhy, a property investor and founder of Future Proof Property Advisory, joins Todd Sloan to unpack the often misunderstood realm of superannuation and SMSF property investing. They delve into how your super contributions can affect borrowing power and explore the pros and cons of buying property within an SMSF. Dawn emphasizes the importance of liquidity, the risks of poor property choices, and why seeking professional advice is crucial. She also provides practical guidance on super balance myths and the costs associated with managing an SMSF.
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Talk To A Specialist Accountant First
- Do consult a good accountant and financial adviser before using an SMSF to buy property.
- Dawn warns this episode is not financial advice and stresses getting professional help to avoid costly mistakes.
Current Super Balances Often Leave You Short
- Average Australian retirement super balances produce low retirement income relative to living costs.
- Dawn Fouhy highlights that a combined $700k at 5% drawdown yields only about $35k a year.
Limited Recourse Lending Protects Other Assets
- Properties bought inside an SMSF sit alone and borrowing uses limited recourse rules.
- Lenders can only seize the asset bought with the loan, not other super fund assets.