Thanks MJR,
Yes my google searching has convinced me of the benefits of a corporate trustee structure. Surprising that only 25% of funds do this.
So then the issue is what happens when we retire. No problem for him - he retires, transfers his 1.6 to pension phase, sells up his shares and transfers the balance to an APRA fund without incurring a CGT event.
I have to wait another 10 years till preservation age to avoid CGT. I know some will say just pay the taxes but if there is a way of optimising this I would be foolish not to explore it. I know the APRA funds are robbing us somehow as my own experimentation outside of super has shown markedly better returns despite having to pay taxes.
Does anyone have an idea about who they might pick to change to a small APRA fund if they go overseas or travel indefinately. There must be someone here who is considering/doing this.