It comes down to the choice of property and the timing of the market .
We had a commercial property which we owned 50 /50 with our super . Good return but crap cap growth . Starting about 3-4 years ago we started buying residential property , first in Sydney and then in Brisbane . We now have 4 . The aim is to try and pay these off as much as possible in the next years .
The amount you can put into super has increased , so it will through a combination of contributions , increasing rent , additional contributions via profits from property investing outside super.
The aim will be to keep the properties as long as possible , but as noted previously , we will probably need to sell some to keep in line the distribution rules .
If we cashed up all our non super property we would come close to being able to pay off the super debt . You can do additional contributions of 450k every three years per member , but my aim is to try and keep a significant non super portfolio as you really never know what changes will happen to super in the future .
We used all the money in our fund to purchase the properties . I wanted to do it in case future changes limited what you could do .
As the Sydney market has done well recently and brisbane moving to a lesser degree ,with the gearing our super is doing very nicely .
Cliff