We’re in our mid-50s. Should we shift our super into an SMSF?

March 22, 2026 — 2:01am

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My husband (55) and I (54) are trying to decide whether it would be better to move to a self-managed super fund (SMSF) or use an administration platform (wrap). We’re currently in individual retail super funds.

We understand strategies to grow our super, and the general pros and cons of SMSFs versus retail/industry funds. However, we’re struggling to find clear information comparing them like-for-like, particularly since we wouldn’t be buying property inside an SMSF. What key factors should we consider when deciding between these two options?

I’d first start by clarifying what is wrong with staying where you are? Is the reason you are looking to move due to seeking cost savings, or is it that you want more control?

I find there is a perception among some people that when they get their super balance to a certain level it is a no-brainer........

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