Dr Sam Wylie

You know I'm going to say it depends.

People always say that.

But it does depend upon where you are in your investment journey.

So if you were my age, it'd be, what should I do about my super?

I know that's an important question at your age as well, but it's more important at my age.

So I'm going to be retired in X year's time.

Have I saved enough money?

I need to really pay attention to super and get it right.

Maybe I own a home and I paid that off.

How can I use the money that I've got stored in my home to pay for my retirement and for that kind of thing?

Now, if it's people who are your age, then it's going to be more about saving for a home or saving to travel overseas, for instance, et cetera.

So it's going to be a different set of criteria.

So let's take that.

Let's take your example rather than my example.

So I think some things to really pay attention to are interest rates.

And also interest rates, mortgages in general, inflation, and the things that are going to really affect the goals that you're trying to achieve.

You're saving to buy a house or an apartment.

You're saving to go and live overseas.

You have some short-term, medium-term, long-term financial goals.

And in filtering out all of that information that's coming to you, focus on the things that are important for those goals.