We’ve recently shifted our super to an SMSF as we wanted greater visibility on our investments. Our inclination is just to use ETFs to invest our money but is this too simplistic? We’re worried about blind spots, and there is some trepidation around investing such an important pool of money.

ETFs (Exchange-Traded Funds) are a type of index fund that is listed on a sharemarket. ETFs can provide a great way to achieve a diversified exposure to a given market or theme at a relatively low cost.

ETFs are seen as being more versatile than individual investments.Credit: Dionne Gain

When it comes to constructing the portfolio for your SMSF, I, of course, would recommend you obtain some professional help. But setting that aside for now, I think there are three elements that you need to work through.

First, how much risk do you want to take? This will depend on factors such as your age, retirement plans, past reactions to market downturns, and your broader financial........

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