SMSF or AusSuoer member direct

G'day all, I posted this roughly last week:

Both my partner and me (both 75k in super) are on Aus super member direct with majority of our super invested into ETFs with a small portion into the Aus supers default fund because we have to.

I dug deeper into the fees involved for member direct:

$1 a week flat fee ($52) 0.1% of fee up to $350 of portfolio ($350) $180 admin fee 0.052% weighted across ETFs

Admin fee roughly $582 (correct me if I've missed anything)

Plus $13.95 brokerage fee, plus fees on the default funds they run.

Now for example, Stake SMSF: Annual fee: $990 (split between the missus and myself) ATO supervisory levy: $259 p/year (split between missus) ASIC review fee $63 (split) Brokerage is $3 (or less - won't be paying much brokerage, won't trade will be a hold forever thing)

Please help me if I've missed any fees, and if I'm better off combining supers with my missus in a SMSF.

I understand insurances will be changed but we can sort that out later.

UPDATED: Now I got off the phone with Aus Super and confirmed that everytime you transfer funds from Aus supers pool to member direct, you are charged 15% CGT. Unbelievable.

Does anyone elses super track an index? I personally don't want to invest in the fund managers pooled options, I rather put my super into an index tracking the s&p500.

Or, if there isn't, the only viable option is SMSF. The fees are roughly 1000 per year which I'd combine with the misso, and it's already cheaper than my CGT charges (eg. I've been charged $1500 CGT).

Love to discuss further.