{"id":3246,"date":"2025-06-27T11:36:25","date_gmt":"2025-06-27T01:36:25","guid":{"rendered":"https:\/\/anp-au.com\/?p=3246"},"modified":"2025-06-27T11:36:31","modified_gmt":"2025-06-27T01:36:31","slug":"2025superannuation","status":"publish","type":"post","link":"https:\/\/anp-au.com\/en\/2025superannuation\/","title":{"rendered":"Queensland property returns outperform superannuation suburbs, with growth near 20% over the past decade"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In Australia, buying a property isn&#039;t just a residential option; it&#039;s considered the ultimate investment by many families. However, as retirement systems mature, experts are increasingly encouraging residents to leverage their superannuation plans for steady growth. So, in terms of long-term returns, which is better, real estate or superannuation? A recent comparative study provides concrete data and insights for investors.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents Overview<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E9%81%8E%E5%8E%BB%E5%8D%81%E5%B9%B4%E5%9B%9E%E5%A0%B1%EF%BC%9A%E6%88%BF%E7%94%A2%E5%BE%AE%E5%8B%9D%E9%80%80%E4%BC%91%E9%87%91%EF%BC%8C%E6%83%9F%E5%90%84%E5%B7%9E%E5%B7%AE%E7%95%B0%E6%98%8E%E9%A1%AF\" >Returns over the past decade: Property slightly outperforms superannuation, but significant differences exist across states<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E6%98%86%E5%A3%AB%E8%98%AD%E9%83%A8%E5%88%86%E5%9C%B0%E5%8D%80%E7%88%86%E5%8D%87%EF%BC%9A%E5%B9%B4%E5%A2%9E%E5%80%BC%E7%8E%87%E9%AB%98%E9%81%94%E8%BF%91%E5%85%A9%E6%88%90\" >Some areas of Queensland are booming: annual value-added rates are as high as nearly 20%<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E9%AB%98%E5%A2%9E%E9%95%B7%E9%80%80%E4%BC%91%E9%87%91%E7%AD%96%E7%95%A5%EF%BC%9A%E7%A9%A9%E4%B8%AD%E6%B1%82%E5%8B%9D%EF%BC%8C%E8%A1%A8%E7%8F%BE%E8%B6%85%E9%A0%90%E6%9C%9F\" >High-growth pension strategies: winning through stability and outperforming expectations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E5%96%AE%E4%BD%8D%E5%B8%82%E5%A0%B4%E5%9B%9E%E5%A0%B1%E9%81%A0%E9%81%9C%E7%8D%A8%E7%AB%8B%E5%B1%8B%EF%BC%9A%E5%83%85%E9%8C%8450%E5%8D%87%E5%B9%85\" >Unit market returns far lag behind detached houses: only 50% increase<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E9%80%80%E4%BC%91%E9%87%91%E8%88%87%E6%88%BF%E7%94%A2%E6%8A%95%E8%B3%87%EF%BC%9A%E7%B5%90%E5%90%88%E7%AD%96%E7%95%A5%E6%97%A5%E8%B6%A8%E6%99%AE%E5%8F%8A\" >Retirement and property investment: Combining strategies is becoming increasingly popular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E9%AB%98%E9%A1%8D%E9%80%80%E4%BC%91%E9%87%91%E9%9D%A2%E8%87%A8%E5%BE%B5%E7%A8%85%E6%96%B0%E6%8C%91%E6%88%B0\" >High pensions face new tax challenges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/anp-au.com\/en\/2025superannuation\/#%E5%85%A9%E8%80%85%E5%90%84%E6%9C%89%E5%84%AA%E5%8B%A2%EF%BC%8C%E6%87%89%E5%9B%A0%E4%BA%BA%E5%88%B6%E5%AE%9C\" >Both have their own advantages and should be tailored to the individual.<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%8E%E5%8E%BB%E5%8D%81%E5%B9%B4%E5%9B%9E%E5%A0%B1%EF%BC%9A%E6%88%BF%E7%94%A2%E5%BE%AE%E5%8B%9D%E9%80%80%E4%BC%91%E9%87%91%EF%BC%8C%E6%83%9F%E5%90%84%E5%B7%9E%E5%B7%AE%E7%95%B0%E6%98%8E%E9%A1%AF\"><\/span>Returns over the past decade: Property slightly outperforms superannuation, but significant differences exist across states<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to data from financial information platforms and real estate websites, the average annual return of Australia&#039;s superannuation funds over the past decade was 5.7%, while the average annual return of residential properties in Brisbane during the same period was 5.9%, slightly higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As for other cities, Hobart, the capital of Tasmania, performed the best, with an average annual increase of 6.9%, and Adelaide, South Australia, also recorded an increase of 6.7%. These areas, with their lower starting prices and increasing influx of people, have become new favorites for real estate investors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%98%86%E5%A3%AB%E8%98%AD%E9%83%A8%E5%88%86%E5%9C%B0%E5%8D%80%E7%88%86%E5%8D%87%EF%BC%9A%E5%B9%B4%E5%A2%9E%E5%80%BC%E7%8E%87%E9%AB%98%E9%81%94%E8%BF%91%E5%85%A9%E6%88%90\"><\/span>Some areas of Queensland are booming: annual value-added rates are as high as nearly 20%<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Further analysis of regional data reveals that the Queensland town of Beachmere has seen average house price growth of 19.21 TWh\/3T over the past decade, the highest in the nation. Brisbane suburbs such as Chandler, Robertson, and Anstead have also recorded average annual increases exceeding 101 TWh\/3T. These areas are often low-density, family-friendly communities, attracting investors as a result of outward population migration and infrastructure improvements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, experts also remind that high value-added is often accompanied by risks and instability, and investors must conduct in-depth research on local economic development and long-term planning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%AB%98%E5%A2%9E%E9%95%B7%E9%80%80%E4%BC%91%E9%87%91%E7%AD%96%E7%95%A5%EF%BC%9A%E7%A9%A9%E4%B8%AD%E6%B1%82%E5%8B%9D%EF%BC%8C%E8%A1%A8%E7%8F%BE%E8%B6%85%E9%A0%90%E6%9C%9F\"><\/span>High-growth pension strategies: winning through stability and outperforming expectations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If we only look at a general balanced retirement plan, its return of 5.7% may not be eye-catching. However, a retirement account that chooses the High Growth Option can achieve a total return of 157% over the past decade, which is equivalent to an average annual growth of approximately 9.1%, exceeding the average house price increase in Australia (approximately 6.5%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The study also pointed out that this type of high-risk, high-return pension product performs outstandingly under professional management and is particularly suitable for young and middle-aged employees who want to invest for the long term and are not in a hurry to cash out.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%96%AE%E4%BD%8D%E5%B8%82%E5%A0%B4%E5%9B%9E%E5%A0%B1%E9%81%A0%E9%81%9C%E7%8D%A8%E7%AB%8B%E5%B1%8B%EF%BC%9A%E5%83%85%E9%8C%8450%E5%8D%87%E5%B9%85\"><\/span>Unit market returns far lag behind detached houses: only 50% increase<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Notably, Australia&#039;s apartment market has underperformed significantly compared to its house market. Over the past decade, the overall unit price return has been a mere 50.4%, indicating pressure on both rental returns and capital appreciation. Analysts believe that the oversupply of high-density properties in cities like Sydney and Melbourne, coupled with declining demand from international buyers, is one of the main factors suppressing the unit market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%80%80%E4%BC%91%E9%87%91%E8%88%87%E6%88%BF%E7%94%A2%E6%8A%95%E8%B3%87%EF%BC%9A%E7%B5%90%E5%90%88%E7%AD%96%E7%95%A5%E6%97%A5%E8%B6%A8%E6%99%AE%E5%8F%8A\"><\/span>Retirement and property investment: Combining strategies is becoming increasingly popular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mortgage advisor noted that more and more self-employed individuals are choosing to purchase property through a Self-Managed Super Fund (SMSF). She said, &quot;Many businesspeople are using SMSFs to invest in commercial or even residential properties as part of their asset allocation, often under the guidance of an accountant or financial advisor.&quot;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, when operating SMSF investment properties, one must pay attention to regulatory restrictions, including prohibitions on self-residence or renting to relatives. Violations may result in heavy penalties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%AB%98%E9%A1%8D%E9%80%80%E4%BC%91%E9%87%91%E9%9D%A2%E8%87%A8%E5%BE%B5%E7%A8%85%E6%96%B0%E6%8C%91%E6%88%B0\"><\/span>High pensions face new tax challenges<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The federal government has implemented a new tax system, imposing an additional 15% tax on superannuation account assets exceeding A$3 million. Although it only affects about 80,000 high-asset individuals, the industry is generally worried that as inflation pushes up asset values while the tax threshold remains unchanged, more middle-class people will be included in the scope in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial experts said, &quot;Without an adjustment mechanism, this &#039;rich tax&#039; could become a disguised tax on the middle class.&quot;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%A9%E8%80%85%E5%90%84%E6%9C%89%E5%84%AA%E5%8B%A2%EF%BC%8C%E6%87%89%E5%9B%A0%E4%BA%BA%E5%88%B6%E5%AE%9C\"><\/span>Both have their own advantages and should be tailored to the individual.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The above data suggests that real estate has strong appreciation potential in certain regions, while retirement funds offer relatively stable, tax-free or tax-deferred income. Experts generally recommend that investors diversify their portfolios based on their age, risk appetite, liquidity needs, and retirement goals.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5728\u6fb3\u6d32\uff0c\u8cb7\u6a13\u4e0d\u55ae\u662f\u5c45\u4f4f\u9078\u64c7\uff0c\u66f4\u662f\u8a31\u591a\u5bb6\u5ead\u773c\u4e2d\u7684\u7d42\u6975\u6295\u8cc7\u65b9\u5f0f\u3002\u4e0d\u904e\uff0c\u96a8\u7740\u9000\u4f11\u5236\u5ea6\u9010\u6b65\u6210\u719f\uff0c\u4ea6\u6709\u6108\u4f86\u6108\u591a\u5c08\u5bb6\u9f13\u52f5\u5e02 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3248,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[],"tags":[],"class_list":["post-3246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts\/3246","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/comments?post=3246"}],"version-history":[{"count":1,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts\/3246\/revisions"}],"predecessor-version":[{"id":3249,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts\/3246\/revisions\/3249"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/media\/3248"}],"wp:attachment":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/media?parent=3246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/categories?post=3246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/tags?post=3246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}