Map, I also have a lot of money in a SMSF. I think it is a good bet because of the tax advantages. The benefit of these to me outweighs the risk that the 'Dirty Rotten Scoundrels (DRS)' will steal it in the next few years. However your daughter has 40 years of DRS risk. Super won't look anything like it does today in 40 years. Who knows what it will look like. In my view she would be better off paying off her debt then buying a home. Just my opinion. bacci