但是SMSF的账户管理比较复杂，有成堆的细节和税制的问题需要注意。往往很多收入很高的客户（基本SMSF的客户都是高收入）没有时间去亲自打理作者: dyno 时间: 2010-10-17 21:23
People need to determine their short, medium and long term objectives before establish their financial strategies. Retirement income stream, either from pension or annuities, is fundamentally depends on individual's life style, such as survive, modest or comfort.
Hypothetically, say if the age pension basic rate (appx 15k for single, 25 k for couple p.a.) is what you after, what's the point of investing?
According to IFSA， SMSFs expense ratio is 0.87% p.a. compared to 2.12% for personal superannuation through a retail fund. Where expenses can break down into $2800 p.a of annual operation costs plus 0.41% of remaining balance which is investment brokerage fees+advice cost. Still sounds pretty good.
GFC is a disaster for superannuation, especially those people approaching their preservation age.
Yes, like gohn said, vast majority of SMSFs trustees are high net worth clients. Financial planners could definitely give them a hand.
