If your 28 and thinking of your post age 65 income bravo.
The simple salary sacrifice of income at 15% tax into super verses ... paying 48% if your up there speaks for itself.
Taking a loan over your property, any real accountant ... or decent one ... when informed you intend to buy shares would advise strongly against it. One is tax deductible ...ONE IS NOT. Deducting interest on the home loan is NOT.
Going leveraged against LIC shares IS deductible and a margin loan will allow this.'
Inside a SMSF even one and cheap option is an quasi one run by an industry fund which will cost you less than HALF running costs, no accountant would recommend as it does them out of massive fees. I am not sure if any or all of them offer warrants where in effect your buying the share ... but its leveraged ... and paid off via the dividends ... would achieve quite a few things.
Lower your effective tax rate ....
Exponentially increase your savings ....
Even a leveraged fund inside a low cost SMSF run by and industry fund achieves the very same thing.
Most funds have a leveraged option and its inside the listed products of industry funds.
The choices are simple with all the information. Most will NOT give you the correct choices due to vested interests or commissions. An accountant will be very happy to set up a SMSF for 2k charge you 1,5 k a year to run it .... when you can do the same for $500- a year, the choice of vehicle is simple.
If your not talking into super where you cant touch it for 40 years .... yes the age will be 70 so 42 years, the obvious and only real choice is to have the Margin loan .. and interest tax deductible .... I would suggest a mixture of the two and salary sacrifice some ... to save up to 30% tax per dollar saved and the rest in something you can access at any time.
Dollar cost averaging and other such notions when interest rates are at 100 year lows, if not 2,000 year lows inflation asset prices in equities is what it is ... a wank.
When companies overseas out of the USA are paying half the tax they did a mere 10 years ago ... some never paying tax, not ever ... the valuations are at best absurd longer term. Eventually things will swing back to where the USA based companies must pay tax to the USA let alone the rest of the world and this rally .... stock rally will be met with earnings having to pay 15% MORE tax crash. Of course our stocks not hit with such a bonanza ... but still heavily influenced by world equity prices.
Possibly this changes for the USA in 2020 ... but their fiscal side is a train wreck ... healthcare a shambles of extortion for the poor which will eventually at some stage be reversed and possibly violently in a short period where we have seen the opposite of an 80% rally post 2016 in the USA side of which the vast majority is due to overall tax paid crashing .... that reversed and well ... USA will come back 30-40% and so too we will follow to some extent.
Whilst if one is some delusional optimist and thinks the USA can sustain this forever ... sadly the numbers dont even come close to adding up beyond 2020.