Where your super lands, decades out.

Where the money goes, year by year

Each bar = your end-of-year balance (the money you keep) plus the cumulative fees & taxes paid to that point — so the full bar shows how the pie has been divided. The exit-CGT slice appears only in the final year (Year 20), the moment of transition to pension phase.

Per-year ledger (20 years)

Every year, for the selected vehicle: the contribution in, each fee/tax line, the total cost for that year, and the resulting principal (end-of-year balance). The opening row is your starting capital; the Total row sums each column over the 20 years. Exit CGT lands once, in Year 20.

Show calculations

Live working for the Industry Super ledger with your current inputs. Pick any year for the per-year recurrence; the right block shows the one-off exit-CGT calculation at transition.

• The trade-off in one line: with both fees set low, the running-cost gap is small — the decider is the exit hit. A pooled fund hands back ~10% of unrealised gains on the way into pension; an SMSF held into pension phase doesn't. So the SMSF tends to win by more the larger the embedded gain has grown.
• The CGT premise is yours, and worth verifying. Not every APRA fund crystallises a member's full unrealised CGT on an internal accumulation→pension switch — some pool deferred tax across members. Confirm your fund's actual treatment before relying on the gap; it's the entire ballgame (toggle it off to compare on fees alone).
• Same gross return assumed for both to isolate cost/tax drag. A 100%-equity index ETF is fully growth, so in reality it would carry slightly higher expected return and volatility than a diversified option.
• Simplifications: contributions treated as the net amount invested (15% contributions tax applies equally to both, so it's omitted); earnings tax = 15% on income with franking credits ignored (also roughly equal). All four fee lines are sliders — set them to what your fund / ETF / broker actually quotes.