investing is all about choices ... u sound as though u r thinking about it all so u can manage ur money (so many others seem in denial that irrespective of who governs that money requires on-going management and asset class movements from time to time).
this sentence got my attention though "But once you take the cash out, then the restrictions apply to getting the money back into a super fund." and i will make the generalised superannuation point that in accumulation phase the money cannot be taken out, and for pension phase you cannot add more capital.
what i mean is, if you r in pension phase and took a lump sum out and went woops - i want to put it back into the super system, then it has to go back into a different account (into an accumulation account) and there are lots of restrictions if you can even do that cos of the stage of life u would be at (the stage of life that allowed the initial withdrawal to occur). Some people can do this (not impossible), but not the general flow of things for most people - but every case is different of course.
(i have not seen that mob u and boomer r talking about - so will look - thanks) cheers
