u/AverageJett

I’m 33 and have around $330k in super.

At the moment I’m salary sacrificing $254 a fortnight on top of my employer contributions, so about $6,600 a year.

I’m thinking about stopping the voluntary contributions and putting that money into ETFs instead.

My thinking is that $330k at 33 is already a pretty decent starting point, and with compulsory employer contributions continuing and another 30+ years of compounding, I’m pretty confident I’ll end up with more than enough for retirement.

The bigger goal for me is actually being able to retire before I can access my super.

So rather than putting every extra dollar into super, I’d like to build up an investment portfolio outside super that can act as a bridge between early retirement and being able to access my super.

Basically, have the ETFs fund the earlier years, then eventually transition onto super once I can access it.

I know salary sacrificing is tax effective and that leaving money in super for decades is powerful. But I’m starting to think that having a decent amount invested outside super is more important to me than maximising the amount I have locked away until retirement age.

Would you keep salary sacrificing in my position, or redirect the $254 a fortnight into ETFs and focus on building that early retirement bridge?

Keen to hear what others would do.

I’ve built a little web app using Base44 that basically came from my super unorganised notes app full of Woolworths and Coles product links.

I’d literally spend Wednesday nights after the kids went to sleep checking where the specials were and trying to remember if something was actually a good price or not.

It tracks products we regularly buy, shows price history and sends emails every Wednesday when products drop.

I know there are apps out there that compare supermarkets, but most people I’ve spoken to mainly buy the same shit every week anyway. They don’t really care if toothpaste is cheaper somewhere else if it’s not the toothpaste they actually buy.

So I’m trying to work out whether this solves a real enough problem for other people too or whether I’ve just built something for myself that will solve my problem?

It’s called dropr - https://dropr.com.au

Keen to hear the thoughts of strangers who are super honest online.