SMSF's have to pay 15% tax on earnings too so not sure why you...

SMSF's have to pay 15% tax on earnings too so not sure why you would bother to mention that.

If you are a lazy investor and just want to buy property, then a self managed fund is good as it allows that, though it got more difficult over time to find lenders willing to loan to SMSF purchases to do the regulations.

For an investor with low investing experience a SMSF is probably not a good option as the ability to lose your money to poor investment choices is very real and happens.

An industry fund that limits you to asx300 shares and a few ETF's and with a limited % in any one investment is certainly a safer bet.

Always DYOR an invest inline with your risk limits/profile.

Price is what you pay, value is what you get. Saving a few dollars on fees would be kind of pointless if you lose 50% of your money because you were stupid with your choices.