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.
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