Proposed fee hikes in a "low-cost" superannuation fund (I No Good) have forced me to reconsider my super fund. My strategy: 1. Invest in low-cost superannuation using a simple combination of LICs / ETFs [Accumulation phase?] 2. When I reach 60 transfer money, avoiding any CGT event, into account from which I can get paid dividends [Pension phase?] 3. Spend the dividends until I cark it Questions on SMSF: > Will SMSF be the lowest-cost (as a percentage of funds > 300k)? > Does purchasing a simple set of selected LICs/ETFs make SMSF cheaper? > Will I incur CGT upon pension phase? > Can the fees for SMSF change? > If I choose DIY SMSF how cheap can I make it? > Is this the appropriate thread for these questions? > Is there a book I can read?