when your car is running smoothly, do you fiddle with the engine? of course you don't. you'd be daft to.
your super fund currently has a CAGR of 21.95%.
so why consider fiddling with your super fund? the smart thing is to just continue in the same fund and be thankful that there are some constraints on your behaviour. these constraints may be a major reason for your achievement.
but human nature being what it is, suggests to me you'll open a SMSF.
and i would confidently bet that you will not be able to at least maintain the current CAGR.
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