You can download the full report, including the four decision flowcharts and annual review checklist, here: https://prosolution.com.au/best-super-fund-australia/

Most people choose a super fund by looking at which fund produced the highest return last year. But that is the wrong question.

The better question is: which investment strategy and super structure is most likely to deliver the best after-fee, after-tax outcome over the next 20 to 40 years, given your circumstances?

In this episode, I explain why choosing the best super fund involves two separate decisions: how your money is invested and which structure holds those investments. I compare pooled funds, Member Direct options, wrap platforms and SMSFs, and explain how to assess each using four key factors: transparency, tax effectiveness, cost, and flexibility and control.

I also discuss why “Balanced” investment options can be misleading, the risks of excessive exposure to Australian shares and unlisted assets, when greater control may be worthwhile, and the insurance mistake you must avoid before changing funds.

Finally, I explain why this should be an annual review rather than a one-off decision. As your balance, investment horizon, fees and insurance needs change, the best structure for you may change too.

Our most popular free guides:

Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

Download them here

My new book, Wealth by Design, is out now:

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Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.