speaking of "imbellishing"
it costs more to contribute 5% of net earnings then it is to invest 15.5% of company contributions (not a cent of your own money) into a retail super fund, returning around 18% historically.
It is obviously quite subjective, but given a basket of funds over say 10 years (or 20) I think 18% might be a touch excessive. - Unless of course you have been picking all the Italy/Indonesia/Em. Markets etc in which case where do I sign up for your info?