I read with interest comments about work test over 65 to put money into super ,remember there are a lot of opinions to keep funds out of super such as approx earnings of about $22 k before tax and medicare levy.. you need a lot of money to earn $22 k..tax also you can do tax return for franking credits over the phone to ATO so have refund in 7 days if you have shares with franking credits..I have read many times comments where some money outside of super isn't bad thing .... easily accessible and you can deposit /withdraw as you wish ,,no paper work no fees ..remember health is more important than wealth ..
