Ok cool.
The initial convo was based around paying down debt v contributing to super.
I guess my point is that the tax concession one gets via using super as an investment structure offset the negatives you pointed out. Especially when you consider the main (not only) alternative is investing in property, which really isn't that flexible, and attracts its own set of costs.
Each to their own I guess. Thanks for pointing out why you think super isn't the most effective structure to invest in. In your opinion, would you be looking at trusts? Or something else?
Or perhaps my comments created the conversation of super conts v paying down debt