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Then you simply need to have a will in place with a trust in it, that vests in her on her 30th birthday, but with provisions that the trustees can use the funds for advancement of education etc.


And your parents cannot be binding nominations in your super as they are not your financial dependents.  Your wife and your daughter should be the nominees - but it is a little redundant as your will should address it, and if you die without one, then the law.


Given your health issues and your wife’s uncertain visa status, and the existence of a daughter (who’s access to your estate you wish to control), a well drafted will is essential and a this week thing to do, not next month.


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