The industry fund vs SMSF debate has changed with the probable election of a Labor government. Has been a bit of an eye opener for me looking at the various structures and fees available through these funds. I would find it difficult to justify a SMSF with less than 600k, in pension phase, unless it has the pre March franking credits exemption. Even above that, maintaining yield with the possible changes difficult. At least part of my fund will end up in an industry fund to access the credits. Additional fees, I know, but surprisingly cheap. Everybody should have a close look at what they charge, and especially at things other than the plain vanilla balanced funds. cheers
