Hi BT
I'm biased toward SMSF's so please take my thoughts with a grain of salt
If you're willing to take responsibility for the investment decisions, an SMSF I believe is a good way to go - and insurance / other members, all easily accommadated for
I have no experience with e-super but certainly other members sing their praises for being cheap
What I can say is though that an SMSF can offer significant strategic tax opportunities in addition to investment control etc - eg subject to existing assets you can effectively release equity to pay off personal debt (not early access - just good tax planning advice)
Re current 60k loss - if you believe you can obatain a better return today moving forward than your current provider, then the crystalised loss is of no consequence
E-super is a low cost provider but look beyond the mere cost of compliance - consider what you can do with existing investments / property / long term goals / gearing - if you want to save for retirement you can do a lot with an SMSF in addition to simple cost savings
PS - the day to day running of an SMSF is no different to how you would invest personally - it's really not hard
Good luck
MK
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