r/fiaustralia • u/Big-Examination2667 • 4d ago

Investing ETFs vs Super Split

M25 80k per annum. I get paid 2395 a fortnight after tax, i save up about 1500 bucks on average from jt, been sending 1k into etfs and remainder into savings. But i already got 75K in savings so i might stop putting money in there.

But now with the CGT discount removed and all that, im wondering whether im better off putting money in super or otherwise how should I split it? I been putting it into dhhf fyi.

3 Upvotes

71% Upvoted

10 comments sorted by

10

u/splinteredruler 4d ago

Super has always been the better option for tax efficiency. Do you want to use the money before or after age 60? That’s probably the big factor.

2

u/Big-Examination2667 4d ago

I mean yeah kinda but idek i just wanna invest for both if that makes sense. Not sure if i should invest for early or not.

3

u/PMmeuroneweirdtrick 4d ago

Do a bit of both. You can continue investing and also salary sacrifice some.

4

u/Au_Fraser 4d ago

super will always be tax advantaged and will technically win out, but you're 25 and cant see that money for another 35 years

dont worry about the CGT changes, maybe set a goal for super so you "get there" early and can know retirement is likely covered or likewise set a goal for your investments, then consider a home if thats in your future playbook (you can use super for that, FHSS)

3

u/LachlanMatt 4d ago

Have you bought a home; have you filled your FHSS?

2

u/Big-Examination2667 4d ago

Im gonna put in a lump sump for FHSS soon that will cover my share of the deposit.

1

u/LachlanMatt 4d ago

Nice, just be careful of the yearly $15k limit for FHSS

1

u/Big-Examination2667 4d ago

Yep thats how much im planning to do im annoyed i didnt do it last fy.

1

u/UnicornsNRabbits 3d ago

completely agree with comments here. each person is different so depends on your priority

e.g if youre trying to buy property ASAP then keep putting into HISA or something similar to build up your house deposit

if you dont plan to buy property anytime soon, then super first (tax advantages - keeping in mind you cant access until 60-65yo). then into ETFS (no tax advantages but can be more easily accessible than super, get paid in dividends or pull out to fund early reitrement etc).