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Most Australians have no idea what they actually pay in super fees because the real costs are buried in the fine print. In this episode, Troy breaks down the true cost of percentage‑based industry fund fees and why they quietly compound against you over decades.

You’ll learn:

◼️ how investment fees and indirect costs are deducted before you ever see them

◼️ why a 1.5% fee can consume hundreds of thousands over your working life

◼️ when an SMSF becomes cost‑competitive and why fixed fees change everything

◼️ how fee structure alone can shape your retirement outcome

Timestamps:

0:00:00 - Introduction

00:01:04 - Breakdown of Retail and Industry Fund Fees

00:02:08 - The Impact of Percentage-Based Fees

00:03:05 - The Long-Term Cost of Industry Funds

00:03:15 - Invitation to Book a Call

00:03:26 - Introduction to SMSFs

00:04:00 - Cost Structure of SMSFs

00:04:33 - When SMSFs Become Cost Competitive

00:05:14 - Comparing Costs: SMSF vs Industry Fund

00:05:27 - Considerations for SMSFs

00:06:00 - How to Learn More About SMSFs

00:06:11 - Conclusion and Call to Action

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.