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Currently with MLC, poor returns - actually losing money on most years and exhuberant fees. Was told Australian Super was way to go. I'm mid 30s, wife is 30, looking at 25-30 yrs working life for both of us!

Hi, Is it worthwhile? What are the traps in a general sense? Have about $60K combined with wife in super. We live in a little apartment paid off and have an ip (owe about 70% on it with a bank loan). 1 kid, expecting another in 2015. Better off saving and getting another loan and looking...