James Wrigley

But to give yourself some buffers, some diversification, try and have some shares on the side if you can, it was getting close to

almost needing half of the purchase price in cash is where we would be comfortable when we were recommending the strategies.

Yeah, for the most part, yes.

Your super fund can own an asset jointly with you as an individual, provided it's all done at arm's length and market rates and all the rest of it.

And then you jointly share in the ongoing costs and responsibilities of maintaining that property.

So you as the individual can't pay all of the bills and yourself when your super fund gets a free ride.

You have to split it in accordance to whatever the ownership percentages are between you and your SMSF.

But yes, absolutely, that strategy has been...

a valid strategy and around for many years.

Yeah.

Most of the time it's done through a unit trust.

I don't think, depending on the setup, it may not necessarily, but most of the time it's done through a unit trust and you'll have the unit trust, you'll then have individual ownership percentages.

You might own, there might be 10 units in the unit trust and your SMSF owns 20 of the units and you own eight of the units personally.

Kind of work through the lending arrangements, like you're, you know, a

You can't use that property.

You're not going to be able to use that property as security for the lending.

It's likely to be difficult.

You might have to have other assets, you know, your own home, for example.

Yeah.

That's it.