Bridgett Fuller set up a self-managed superannuation for herself and her husband about a decade ago. More recently, the couple’s 20-year-old daughter, who is studying at university and works part-time, joined the fund. Now they discuss all investment decisions as a family.

“We talk to our daughter about how we’re investing because we want her to be aware of the decisions being made,” says 50-year-old Fuller, who is reluctant to discuss specifics but says the fund is worth north of $1 million and is invested in property and shares.