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Most Australians don’t realise they’re living in one of two superannuation universes. In one, your entire financial future is pre‑selected for you. In the other, you control every decision, every asset, every move. Neither path is right or wrong, but they lead to very different outcomes.

In this episode, Troy breaks down the real differences between an industry fund and an SMSF, the responsibilities most people overlook, and the five questions you must answer before deciding whether to take control of your own retirement.

◼️ The investment universe difference between preset menus and full control

◼️ The tipping point where SMSF fees become more cost‑effective

◼️ The responsibility shift when you become the trustee

Timestamps:

0:00:00 - Introduction

00:01:04 - Understanding the Industry Fund Model

00:01:36 - The Power of SMSF Control

00:02:51 - Investment Options: Industry Fund vs. SMSF

00:03:44 - Real-Time Monitoring with SMSF

00:04:15 - Cost Comparison: Industry Fund vs. SMSF

00:05:45 - Decision-Making Authority in SMSF

00:06:59 - Choosing the Right Path for You

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.