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We use superconcepts but there are a few low cost providers out there like the one you mention, superconcepts, few othe. Cheap and not too stressful. If you feel like you could do better yourself set up a smsf, bank the tax benefit and invest the money as you see fit!! Its easy.

I agree with legislative risk but for an extra 32 percent of my money retained and thereafter compounding at 15 % im happy to take that gamble as odds are good. The 30% surcharge affects those odds a bit however. Smsf is just the icing on the cake aiming for retirement funded outside smsf...

Disagree. Take a couple both earning in the top or second top bracket. Thats 50k x .85 ie 42.5k into shares. With compounding just doing this for 10 years ie 30 to 40 yrs old would have retirement stream covered at 60. Of course you should invest outside super but such a free kick to save in...

I dont know how old you are, but i wouldnt make non concessional contributions unless i was in my, say, mid 50s+. Hence just 25k per person, shares. Either direct, lics or index funds.

Start a SMSF. Contribute 25k pa, as you sound like you earn reasonable coin. Put it in afi, arg, mlt easy. I wouldnt bother with direct property in super unless you have a very large super balance. We both do this, x 2 (couple) it adds up very very quickly. Means you should be in a position...

Thats terrible performance given what the asx has done you need a new fund.

Stupid question.... If a (discretionary) trust makes a capital loss > income for the year, you can still stream dividends and franking credits out, and the loss stays trapped to offset future capital gains? But if the trust makes an income loss (i.e. interest > dividends) the franking...