Is buying a property with your super more stressful than just keeping it in its super account? 

Buying property in super, whether it's stressful or not, comes down to how you manage stress yourself.

I'm not a financial planner. We've got financial planners involved. It comes down to your strategy, your risk profile, and whether buying property in super is the right thing for you. But if you do eventually decide that it is the right thing for you to do, here are some of the reasons why you'd buy property in super. 

We'll have clients that have $100,000 in your super account buy property in super. The reason they can do that is because the banks give 80 % of that and you've only got to come up with 20 % from your super fund.

The important bit, I guess that's missed out is not that your super fund is doing well or not doing well. Most super funds do well. They probably average about 9 % return in 10 years, which is a little bit better than standard residential real estate. It's just that the $100,000 that you had in your super, say your industry super fund is buying $400,000. property because of leverage.

And so when there is capital growth over the 10 years of 7%, the 7 % increase is on the $400,000, not the $100,000 deposit. Whereas your $100,000 that's in your super fund that's doing 9 % return say over 10 years,

which is great. It's 9 % on $100,000. So it doesn't come back to super. It comes back to the leverage principle which is using other people's money and time. which is the bank.

So you come in with a little of it, which is 20%, which could be even $80,000 as a deposit. You buy a $400,000 property and your return is $400,000 as opposed to $100,000.

Imagine you've got 30 years to retire just by owning one property, knowing where property values were for the last, say, 30 years ago. I guess you can fast forward and someone make a prediction on what property values may be in the years and you could go well all I had to do was use the money that was in my super fund sitting there anyway and redirect it to my own property which is in your superannuation fund and have a retirement maybe that property is going to be worth nearly two million dollars because of the leverage principle on the 400 grand.