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Julie I'm not worried, I don't believe that governments will mess up with super too much. IMO we need to have both stand alone and SMSF properties. There are benefits with both so people need to look at their circumstances and to consider where they want to be in 10 or 20 years and then...

Bayview There is also option c: Everyone's circumstances are different. I contribute $2K per month but I've only done it since July and I did it because I wanted to minimise tax and to increase my cash buffer in super. Circumstances change though and now that interest rates are going up...