Our Super. Our Future.

The minimum super balance needed for SMSF property depends on your specific situation - the property price, your borrowing capacity, and whether you're combining super with a partner all factor in. There is no single magic number. Couples can combine their super into one SMSF, which often makes a meaningful difference to purchasing power. The Delphi Scorecard helps you understand your position in under 5 minutes. If it makes sense, we'll assess your specific numbers in a free strategy chat so you know exactly where you stand - no guesswork.

Yes - couples can both be members of the same SMSF, combining their super balances into one fund to increase purchasing power. This is one of the most common and effective ways Australian families reach the threshold for SMSF property investment (Source: ATO SMSF Statistics, 2025). The Delphi Scorecard factors in combined balances to give you an accurate picture. Delphi & Co regularly helps couples set up joint SMSFs - it's one of the most rewarding parts of what we do.

The minimum depends on your situation - property price, borrowing capacity, and whether you're combining with a partner all factor in. There is no single legislated minimum balance to start an SMSF, though the ATO recommends having enough to make the costs worthwhile (Source: ATO SMSF Guidance, 2025). The Delphi Scorecard helps you understand your position in under 5 minutes - it considers your specific balance, income, and goals to give you a clear picture. If it makes sense, we'll walk through the numbers with you in a free strategy chat.

Government workers often have higher-than-average super balances due to employer contributions at 15.4% or more (compared to the standard 11.5%). After 15-20 years of service, balances of $200K-$450K+ are common. Combined with a partner's super, many government couples are well-positioned for SMSF property. The Delphi Scorecard considers your specific balance, income, and situation to show you where you stand.

SMSF property investment can be a powerful way for Indigenous Australians to build generational wealth - real property your family can see, touch, and be proud of. Many Indigenous Australians in stable employment have strong super balances that could work harder through property. Delphi & Co was founded by Adel Pearce, an Indigenous Australian, with a mission to make property investment simple and accessible for our communities. Our Future Wealth by Delphi & Co is dedicated to helping Indigenous Australians understand their options.

Yes - couples (married or de facto) can combine their super into a single SMSF with up to four members. This is especially powerful for government couples where both partners have strong super balances. Even if one partner is in government and the other is in the private sector, you can combine into one fund. Combined super often unlocks better property options and stronger borrowing capacity. The Delphi Scorecard lets you enter both balances to see where you stand together.