At a crossroad - where to from here?
52m & 47f HHI 193k gross (both 30% bracket), mortgage 92k (100% offset), 11k in HISA, 340k combined super (290k me), I also have 15.3k ETF 30/70 - VAS/VGS. Have health issues which is being managed, but potentially may not be able to work till 60. Plan is to retire at 60.
Not sure if our super investment is any good as well: 20/40/40
20% Aust index / 40% i'nal unhedged index / 40% i'nal hedged index
Given these, would it make more sense to work on an ETF bridge (continue with VAS/VGS?) - VAS returns have been horrible recently; or work on NC super. Have already maxed my 5y carry forward super last financial year and intend to max out the 32.5k this year. Have about 2k a fortnight spare and unsure how to proceed.
Any advice would be much appreciated. TIA.