35M - Salary sacrifice into super or invest privately post tax?
I am not too knowledgeable so hopefully someone can help.
If my goal is to look out for future me and build more funds for eventual retirement.
I realistically have 30 more years of work (zzzzz)
But I want to ensure when retirement does happen I am retiring into a decent life.
My thoughts is to salary sacrifice 10-15% of my salary into super. It's pre tax, reduces my taxable income and I don't feel the hit as hard in my take home pay.
Obviously I have less flexibility with how it is invested and I can't utilise any wealth build for anything else. However, when retirement occurs (from what I understand) it's against a lower or no tax rate after 65.
The other option is to invest privately. I feel the hit harder as it's post tax. But I have more control and can utilise it for other opportunities if they come up.
I am not a stock broker, nor do I spend time constantly researching stocks and shit.
Is this a decent course of action? Yes? No?
Thanks for any advice.