Hi Pat, I am 54 years and single and currently have a "Dinosaur" Superannuation Retail Fund valued at $300,00 and the fees are very high. It has default Insurance/Income Protection/TPD built into it and their Insurance sector has recently been sold off. I have been with this fund my entire working life. I want to switch my super but am undecided if I should switch to a a popular Industry Fund. Alternatively, I could go with the boutique Financial Investment Company that I bought my Investment property through 3 years ago and they also do my tax for this negatively geared property. (they are a one stop financial advisory company if you will). This company would also like to overhaul my super/ set me up with ETF's through Vanguard, reassess my insurance needs and make my super a tax deductible vehicle. I am currently not putting any extra into my super so is not tax effective. I put all my extra money into my investment property (Interest only 5yr loans x2) which I bought for $530,000 and I now owe $400,000. I owe $30,000 on my PPR home loan. The ETF's will be low cost and the company will get commissions on my EFT's (trailing I believe) and setting it all up for me. They will check on me from time to time to see how I am going. It seems like a good idea but I am concerned about the lack of control over how my super will be set up. Can you get ETF's through an Industry Fund and/or do you think a tailored approach to my own personal situation from them (they do sell properties, but have been in the industry for 12 years and have built up a good reputation) might be better for me. I do get personalised service when I talk to them and they are in a different state to which I live. Thanks

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