SMSF audience guide
SMSF for doctors and medical professionals
A self-managed super fund can be a strong fit for high-income medical professionals — concessional cap headroom, asset-protection benefits when paired with a corporate trustee, and the flexibility to hold commercial property like a consulting room.
New FY kickoff — 50% off SMSF setup (limited time)
Limited-time new financial year offer — 50% off Individual and Corporate Trustee setup fees. Ends midnight AEST, 30 September 2026.
Why doctors and medical professionals use an SMSF
Doctors often hit the $30,000 concessional cap and $120,000 non-concessional cap years before retirement. An SMSF gives you control over how that money is invested and whether to hold direct property — including business real property such as your own consulting rooms, which is one of the few related-party asset exemptions allowed under section 66 of the SIS Act.
Combined with a corporate trustee structure, an SMSF can also help separate practice assets from personal balance-sheet risk.
- Run alongside your service entity or medical practice
- Commercial property: consulting rooms, day surgeries, dental clinics (business real property)
- Carry-forward concessional contributions for high-income earners
- Insurance held inside super via SMSF — life, TPD, income protection
- Asset segregation when paired with a corporate trustee
Frequently asked questions
General advice warning
Figures shown are illustrative only and based on the inputs and assumptions you provide. They are general information, not personal financial product advice. Consider your objectives, financial situation and needs, and seek personal advice from a licensed financial adviser before acting. easySMSF does not hold an Australian Financial Services Licence (AFSL).