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Agree with other sentiments, a great thread which is very thought provoking also evidenced by the number of replies the thread has received in just a few days from some of the very best contributors on the forum.

Thanks for posting the figures Craft of the solely inside super vs inside/outside scenario as well. Goes to show the importance of not only investing but also structuring in the most tax-effective manner. Even something as simple as purchasing the investments in a partners name that may only work part time or do home duties could potentially increase the eventual balance substantially especially due to the compounding benefits of any dollar saved in the early years.

Not sure if you've considered this idea also craft or if you have the ability to run the numbers on something like the following:

Utilizing an investment bond which has tax paid internally at the company tax rate (no taxable income for the individual counted), has no capital gains tax implications after the 10 year investment period and still gets the benefits of franking credits. Further to this some investment bonds (1 I know of) offer lending against the bond at competitive rate (i.e. 3% currently) which you could further invest in shares with the dividend essentially covering interest and it being tax effective.

Any thoughts on this approach? I know its a bit of an outside the square idea and not many people would have looked at investment bonds before but could be an option - would just need to meet the criteria/legislation around them in the process.