I love having my index fund within Super. Long term play, tax benefits. Peace of mind having a good balance. I don't see it as a negative not having access until 60, eg say I am 52, I can afford 6 months off to travel Europe knowing I have loaded up my super.
What people really need to do is work out what number they need to live their life. I’m 47 with a wife two kids, a house etc and I spend no where near 4% of 2mil when not paying my kids school, mortgage etc. Based on what I spend 2mil would last 40 years drawing directly from it without it making anything in interest, that puts me at 105 before I’d run out, average life expectancy is around 84 in Australia…