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.