Aussie FIRE | Financial Independence Retire Early 58. Is your super working hard enough for you?
Jan 23, 2026
They trace how default super choices evolved into deliberate high-growth and indexed strategies. International diversification, tax nuances and the pooled vs individual treatment of super are explored. Geared ETFs and Pearler-style super options get practical attention. They also touch on contribution strategies, timing changes around market drawdowns, and trade-in hacks for tax efficiency.
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Clever Phone Trade-In Save
- Hayden bought a Pixel 9 Pro cheaply by buying a new cheap phone to trade in his cracked one and claim the trade-in credit.
- He treated the work phone as a tax deduction which amplified the saving on the deal.
First Super Appeared At Uni
- Hayden didn't pay attention to super early on because his early income was casual and invoiced rather than payroll.
- His first proper super account only appeared at university when he took a casual job and stopped checking it for years.
From Multiple Funds To High Growth
- Dave had multiple default super funds and first combined them by rolling into a cheaper fund.
- He then switched from balanced to high-growth early because of his long investment horizon.
