Super - Play it Safe or Let it Rip!
Righto Brains Trust.
Early 30’s, super at $200k thanks to salary sacrificing (although recently turned off due to the Div. 293 demon), six-figure salary (double prestige for you COD Black Ops faithful), love my industry to bits but practically cant work these hours beyond mid/late 60’s.
The big question… Super currently split 70/30 between standard and high-growth portfolios (CBUS), progressively transitioning to an eventual 50/50 split (changed my investment split a few months ago). Am I being too conservative by keeping half in a median risk/growth portfolio at my age, or should I let it rip in high-growth for the next decade before consolidating to a lower risk portfolio?
Genuinely interested to hear a few opinions on this one, especially those who are approaching retirement. Advice I’ve had/read seems to be pretty varied, lot of advocates for high growth at a young age but am mindful of throwing away a solid nest egg (more for my kids sake than mine).
Before it’s mentioned, understand it should be ‘whatever risk I’m comfortable with.’ Guess I’m trying to feel out what my comfort level is, and who better to learn from than the financial wizards/economic train-wrecks than AusFinance!
Posted Jul 8, 2026, 12:07 PM UTC