@automatiic Ok well I'd probably lean towards super but either are still good options eh doing something is better than nothing.
Pros of ETF is money is easier accessible if your income dips in future eg one of you are on parental leave or sickness/accident. Or in 30 yrs of you want to retire earlier but doubt disposable income will be a worry anyway and you can make plans in 10 yrs time for that.
Super gets you tax deductions so will most likely earn you more money for 40 yrs time.
Just gotta weigh up if its likely you will regret not having the money accessible in the next 3-5 yrs.
Pros of ETF is money is easier accessible if your income dips in future eg one of you are on parental leave or sickness/accident. Or in 30 yrs of you want to retire earlier but doubt disposable income will be a worry anyway and you can make plans in 10 yrs time for that.
Super gets you tax deductions so will most likely earn you more money for 40 yrs time.
Just gotta weigh up if its likely you will regret not having the money accessible in the next 3-5 yrs.