Most Australians have superannuation, but how many actually know where their money is invested, what fees they are paying, or whether their super is working properly for their future?In this episode of The Account Rant, John sits down with Kerrod Holland to unpack superannuation, investment fees, insurance inside super, concessional contributions, SMSFs, property through super, market risk, adviser responsibility, and why super may be one of the most powerful tax environments in Australia.They also discuss the risks of poor advice, SMSF horror stories, and why business owners and high income earners need to understand how super fits into their broader tax and wealth strategy.Guest: Kerrod Hollandhttps://tenexwealth.com.au/Instagram: https://www.instagram.com/kerrodholland/LinkedIn: https://au.linkedin.com/in/kerrod-holland-76696b133Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwCHAPTERS0:00 Why superannuation matters right now0:08 Are Australians using their super properly?0:35 Fees, insurance and where your super is invested1:20 Why John loves superannuation1:40 The tax benefits of super2:32 Concessional contributions and reducing tax3:02 Super versus paying down the home loan3:25 Why super can be Australia’s best tax environment3:46 Should you self manage your super?4:06 When an SMSF actually makes sense4:27 Buying property through super4:42 The risks of managing your own super4:57 A shocking SMSF horror story6:33 Why you should never transfer money to an adviser6:53 Fraud, tax money and client trust7:24 Why one bad adviser should not ruin the industry7:41 What are you actually invested in?8:10 Do advisers stress over the markets?8:39 Australian market concerns and super portfolios9:21 Risk appetite and diversified investing10:30 Why advisers still carry responsibility11:00 Caring about client outcomes11:49 Managing volatility and downside riskThe Account Rant is a show where accountants vent on different topics. It is an honest and informal conversation intended for discussion and entertainment only. Views expressed are personal opinions and should not be taken as professional advice. Any examples, numbers, or figures mentioned may be inaccurate or simplified and should not be relied on.Stop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: [email protected] usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Disclaimer: This video is for educational and entertainment purposes only and does not constitute formal financial, business, investment or tax advice.