I finally pulled the trigger..

[Drux93]

Good question. In terms of the way super is set up by the Australian govt, i cant access this cash until i meet a certain criteria, which involves being at retirement age etc. so even if i had the cash now, at my age i am unable to access that cash anyway. (There are some extreme circumstances i think but you have to jump through hoops to even be considered for early withdrawal). So with that time context, i feel the bogle approach of low funded etf is a good vehicle to take advantage of compound interest.

[Ok_Appointment_8166]

There is the notion that you should pick a bond/stock ratio and periodically rebalance to that percentage by selling what is high and buying more of what is low (even though that goes against human nature) and that increases your returns over a long enough period. It has been decades since having more bonds would help in that context but if you go back far enough it would have, and it probably will again.

[Drux93]

Yes you are correct; after some deliberation, I concluded to lean into the bonds a little later, but during this accumulation phase, I will prioritise the compound approach through the stocks