Your first step should be to contact your super fund. If the money isn't there, you need to approach your employer.
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While the issue of whether or not a self-managed super fund should borrow is important, whether it should lend money is also worth considering.
The average property-loving Aussie, disappointed by poor returns since the GFC and with 10-20 years to retirement, has a big target on their back.
"We are in an unprecedented time for Australia's superannuation system," says Jeff Bresnahan, the head of research group SuperRatings.
The low income earners super contribution - worth up to $500 a year for 3.6 million Australians - has been scrapped as part of super changes.
Deciding in favour of an account-based pension from your self-managed super fund (SMSF) still leaves open the option of taking a large tax-free payout at any time.
SMSFs are under pressure to find assets that will provide them with a steady income. Part of the solution may lie with listed and unlisted property trusts.
Super is such a tax-effective investment vehicle it is easy for SMSF members to overlook the need to manage the fund's ongoing tax situation
"A SMSF needs growth assets such as shares but it also needs cash for at least two years' planned expenditure so it won't need to cash in good assets if the market is having one of its normal downturns."
Mercer SmartPath members can be active investors with the super fund or leave the decisions to the experts.
