Summary: There are three structures to consider when building wealth over the long term. Super offers low taxes but those born after 1964 can’t access the funds until after they are 60. For trusts, access is less of a problem but beneficiaries must pay full tax on income and capital that is distributed. Holding assets in personal names is easiest but full tax is again payable.
Key take-out: Truly long-term investments should usually be placed inside super, if possible. But more people should consider trusts, from earlier in their lives.