Super/non-super investment ratio...
...what we need is a solid (Australian relevant) FIRE calculator to work out the best way to have super and non-super distributed. The different taxation on the super stash, plus the option of doing pretax super contributions, etc, makes it tricky with current calculators to determine the ideal ratio for each person.
I'm 31, aiming FIRE about 46-47 (yeah, long way off). I'm about to fill out the form at work to do pre-tax contributions, but its pretty hard to work out how much to put in, obviously not more than the maximum (not much point). I was originally thinking about 20% (of gross salary, this is on top of employers 9.5%), but now I'm thinking at the moment I should only put in about 10%, and wait and see how things go for a few years with both my super and non super stash, and PPOR situation. In a few years I should definitely be up into the next tax bracket (37%), so its more worthwhile for me to do pre-tax contributions then.
One of my supervisors, who is 63 (and still working), she has three different super accounts, all with quite different rules. Hard to understand them, but Super rules have changed in her lifetime. The earlier rules from what I gather are more favourable than the current ones. But, they are grandfathered. I won't be surprised if before I reach preservation age (which will probably get jacked up to something like 67 by the time I get there...) rules change, but I suspect that any super held under old schemes will be kept at the rules it was invested under. More likely any new contributions would fall under new rules from that point onwards. SO, I'm not too stressed about rules changing.