Soreback - I wouldn't be too critical on yourself about having investments out of super. The way govt's fiddle with it you may have a default insurance policy when gov't finally clamp down on super more such as forcing people to draw a pension from it etc. I have half assets in super and half out, basically I can get whatever cash I need when i need it, the super component just sits there and accumulates until I'm 60. If you have a spouse split the equities that get franking credits to lighten your personal burden on your personal tax.
