Segregation is generally unecessary unless fund members are...

Segregation is generally unecessary unless fund members are pursuing markedly different investment strategies (on account of age, risk profile etc). Pooled asset strategy is more than sufficient and the actuarial certficate is in most cases far less expensive than the additional cost required to administer and account for a segregated fund.

A lot of misinformation out there in the industry with the main angle being dodgy operators with an eye on the til to further erode the savings of mum & dad funds.