Hi everyone… I’m wondering people’s tactics to bridge the gap between wanting to slow down working and accessing their super. I’m unsure whether to focus on paying down the mortgage, or investing into ETFs as a way to bridge the gap. I’m 40 years of age, so would like to action a plan now (wish I started earlier). Ideally, I’d love to stop working or go part time by about 50-52 years of age, but I’m unsure on how to do it.
I’m 40, girlfriend (we live separately/not financially linked), earn $150k a year plus $20k tax free (legit earnings), $465k super (some of this will turn into a small pension at 55 - or will be a lump sum of $340k at age 60), I salary sacrifice about $350 a fortnight into super, mortgage $440k on a house worth $2,100,000 (online estimates), $103k in offset and $22k in ETFs (focusing now on DHHF).
I’m conflicted whether to hammer the offset, ETFs etc.. a bit of analysis paralysis. So any tips would be great.