The majority of my assets are in an Allocated Pension. I decided against a self managed fund as I wanted diversification into bonds and international markets. This is the 2014/15 performance as at end January 2015. Growth, Balanced and Conservative options have benefited from exposure to US and world markets as well as the fall in the Aus$.
I subscribe to a wholesale fund - this means that no trailing commissions are paid ( unless you stipulate otherwise) and fees are very low and competitive with self managed costs.
This is my Asset Allocation as at 31 January 2015