Jim was really shocked when he found out that he could not utilize his self managed superannuation fund right at the express moment. He did learn very quickly however, that his smsf was considered for all intents and purposes an account with monies for his future retirement. This vexed him a little, as he wished to utilize some of the accrued capital for a project that he wanted to do. But his tax lawyer told him that alas, it would have to wait, or he would have to apply for a loan to carry out his plans. Many people like Jim, and need to know their super fund is for retirement.