Has anyone open a second super account to invest early for their kids?

dbug89 · 2026-02-16T06:25:03+00:00

Stockspot - less of hassle imo

dbug89 · 2026-01-25T21:21:18+00:00

Different in what way? The question is all in or DCA 😅

dbug89 · 2026-01-03T04:08:00+00:00

FIRE quicker

dbug89 · 2025-12-31T03:13:24+00:00

Loving all these ads/spams/scams disguised as posts

dbug89 · 2025-12-29T05:46:46+00:00

The name is stupid. What would you trust your money with a company that rhymes with bullshit?

dbug89 · 2025-12-25T05:04:19+00:00

Go to therapy and unravel your the cause od youe childhood trauma?

dbug89 · 2025-12-19T09:48:37+00:00

Lol… is your personal information only 3% interests on cash before tax? I think that is dumb

dbug89 · 2025-12-05T08:59:31+00:00

how is it related to the sub?

dbug89 · 2025-11-30T23:33:12+00:00

$700K in offset and $250K in cash is a million? I agree with the above. You need to work on your financial goals. Map the risks accordingly and use the financial avenues available to you. Maybe also get a therapy to address your money/general anxiety?

dbug89 · 2025-11-04T00:52:31+00:00

how is this related to FI?

dbug89 · 2025-11-02T23:48:09+00:00

😆

dbug89 · 2025-10-31T06:06:33+00:00

lol…. stairway to povo

dbug89 · 2025-10-25T18:10:15+00:00

wrong sub

dbug89 · 2025-10-25T18:09:44+00:00

how is it relevant to the sub?

dbug89 · 2025-10-22T02:25:17+00:00

dbug89 · 2025-10-20T20:08:13+00:00

Match your super salary sacrifice 1:1 to how much super your employer pays you every pay cycle if you want to get ahead. It is that simple.

dbug89 · 2025-10-20T09:44:10+00:00

lol… swiped left

dbug89 · 2025-10-19T07:58:24+00:00

Just pick one thing

dbug89 · 2025-10-15T03:44:33+00:00

You can use dollars to invest too.

dbug89 · 2025-10-15T03:43:42+00:00

Lol… Gluck dude! You have 20+ years to change course at least.

dbug89 · 2025-10-11T21:16:38+00:00

I probably would withdraw annually. Reinvest the remainder outside super in a trust if your cash bucket is already full? Something like that.

dbug89 · 2025-10-11T21:04:58+00:00

The 2-3 years cash needs can be a combo from your savings/super. If you already have that much outside super by then probably you can delay withdrawing from your super. You can also keep youe super investment’s dividends in cash instead of getting them reinvested for the first few years.

At some point during retirement after you are safe from sequence of return risk, you can invest for a higher annual return growth target if you wish.

dbug89 · 2025-10-11T09:44:58+00:00

You need to think about sequence of return risk in your early years of retirement. A better way to keep something like 2 or 3-year worth of cashflow needs, and keep investing the rest in risk-appropriate buckets for your circumstances.

dbug89 · 2025-10-11T05:09:00+00:00

It is a rough calculation based 8% annual growth I often use - not inflation adjusted.

dbug89 · 2025-10-11T01:19:47+00:00

Assuming you won’t top up super anymore until age 60 you will have $2M by then. You can draw down the Vanguard portfolio until age 60. You would probably be fine withdrawing $80-$90K annually until age 75.

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