Consolidated into a single fund in early 2019 at 28, starting with about $80k. Roughly $280k now at 35. Posting the breakdown because the number that got my attention wasn't the balance, it was where it came from.

Lifetime, rounded:

• Money in (rollover plus all contributions): ~$185k
• Investment earnings: ~$115k
• Fees and insurance, seven years combined: ~$2.7k
• Return since inception: 9.65% p.a. over 7.4 years

Earnings have now overtaken total contributions. For the first five years the balance grew mostly because I kept feeding it. Somewhere in year six that flipped and the account started doing more work than I was. Nobody flags that crossover to you and it reframed the whole thing for me, every dollar I put in at 28 is still compounding, and has another thirty years to run.

The allocation

70% international shares / 30% Australian shares, both indexed, since 2021. Before that I was in a default balanced option I'd never looked at.

Five financial years in the current allocation:

FY	Return
2022	−4.5%
2023	+11.2%
2024	+11.6%
2025	+14.1%
2026	+11.6%

8.6% p.a. compounded, +51% cumulative, including a year that went backwards.

What I'd tell 28-year-old me

• Consolidate. One fund, one fee, one thing to look at.
• Check which option you're in.
• Read the fee line, not just the return line.
• Raise contributions when your income rises, not when you remember.
• Then leave it alone.

Are these 5 worth going for grading? Particular the gyrados, chancey and zapdos's. Have a lot of other general basic cards. Most are decent quality.