To the financial minds of AFF: the time has come where Mrs Excel & I need to think seriously about superannuation. Until now it's been retail funds and/or funds with defensive low/no cost options. With decades to go before I'll be able to touch it, we've been advised to look towards moderate-high risk options. I'm a relatively hands-on type of person who has a spreadsheet for everything, so I don't mind a bit of work, but equally don't want to go in blind. My questions are: 1. Taking in to account all factors you think are important (and feel free to discuss what they are), what investment strategy would you choose? I.e. 30% cash, 20% local shares, 20% int'l shares hedged against the AUD, 20% Aus fixed interest assets, 10% Aus listed property, etc. 2. Are there any retail or industry funds you recommend and why? 3. At what point is a SMSF worth considering? Any advice greatly appreciated.