I am 45, self employed and my partner is 50 and in full time employment. We have no debt and own our own home. We have $30,000 a year that we want to save. We have been advised to salary sacrifice it all into our Supers. Is this the best advice? We are moderate risk takers.

Hi Dawn

There are so many options available when it comes to investments. I suggest you speak to a Financial Planner who would be best placed to advise suitable options based on your risk preferences and long term financial goals. They would also be able to provide advice about income protection insurance.

All the best.

Hi Dawn,
I totally agree with Amy, there are so many options that we couldn't possibly discuss or recommend one option here.
I would focus on building a safety net as a buffer for both of your incomes as I saw you previously asked about insurance policies - the best protection is to have 6 months of living and other expenses saved in an on-line account that you can access in case of emergency and this would also allow you to have a less expensive insurance policy that can have a higher excess or waiting period.
After you have that amount locked away, investing for your future can take many forms whether Super, Property, Managed Funds and Bonds and if you see a financial planner they will guide you on a good balance of at least two of these
You're doing really well
Best of luck
Scott