If you hold funds, you will pay an annual fee. Inside Super or outside you will pay a fee.
If you hold shares directly you will not pay a holding fee, inside Super or outside.
If you use a financial planner to jail play fees, within Super or not.
If you buy an annuity you will pay fees.
The discussion was around the fees paid on Super accounts, and my assertion is that currently long term funds are better off within Super than being held personally.
As for the imputation credits paying tax, well if with super then you would get a rebate and not pay any tax. As you say that is your choice.
I'd still be happy to have a direct debate on how investing outside of super can be better than investing within Super, based on being happy to not access the funds until preservation age.
If you agree with my assertion then we are on the same page.
