I'm toying with the idea of rolling my circa $300k super into an SMSF and then: Use from $150k to $200k of the balance as deposit against an IP ( H&L Package ) at an LVR of 50% funded as P&I over 15 years. Alternatively the property would be near-new ( 1-2 years old ). Diversify the remaining super funds in a number of ETFs Theory is that the IP will be paid off by the time I am ready to retire. Assuming I am into retirement mode by the time the IP loan is paid off, what are the tax implications if the IP is sold. After 15 years at 7% year on year growth, a $350k property will be worth circa $997k after 15 years. Although 7% average growth may be optimistic. An alternative approach to leveraging to buy property, is leveraging to buy shares that produce income through dividends, such as ETFs. I understand that the costs of setting up an SMSF can be quite expensive and there is the hassle of the ongoing administration ( which I would get my accountant to help me manage ). I would need to setup separate life insurance, although arguably this may not be essential as I am currently single. Can the life insurance premiums be funded out of the SMSF? What are the pros and cons of this type of strategy? What other approaches should I consider? Is an LVR of 50% too low? What levels of LVR are possible in an SMSF ? What is the typical and what is an accepted safe LVR in an SMSF ?