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Opting for a Self-Managed Super Fund (SMSF) offers more investment flexibility, including residential property and shares, compared to most retail or industry super funds. It provides greater control over investment strategies, tax outcomes, and legacy planning. In your 20s and 30s, focus on accumulating wealth while minimizing unnecessary expenses. During your 40s, balance career and family with strategic retirement planning to maintain your lifestyle. In your early 50s, aim for a superannuation of around $650k by age 67 for comfort. SMSFs allow borrowing for property investments, enhancing long-term wealth growth. Seek expert advice to maximize SMSF benefits.