I like my women like I like my <| sep |> It isn ' t 2016 in the game necessarily . And the 96 on Red ' s shirt doesn ' t mean he actually is referencing the year 1996 ingame . It could be just a cool reference for the player . <| sep |> I heard that Australian Super charges low fees . I . e . Using a MySuper approved product . Don ' t add insurance when setting up the account as that will add on to your fees . Alternatively , $ 20 k is a good starting point to invest within growth managed funds using super monies as you ' d be investing over the long term , given that you can ' t access your super until 65 or at least until you met a condition of release . Long term investments are generally 7 years . Your investment returns should be sufficient enough to cover the cost of fees at this point .