Tony is not happy with his employers default superannuation fund where his current superannuation benefits are invested, as it has limited investment options and relatively low returns with the balanced investment option, after the 1.5% MER that it charges. Tony would like to change to a convenient platform that has a good selection of asset specialised funds that he can tailor to match his high growth risk profile, even if it means paying higher fees of 2.0% MER. He would also like a similar investment platform for his non-superannuation investments

Upon retirement, Tony plans to consolidate all his investment assets into a conservative vehicle returning around 4% pa net of fees and taxes.