I’ve sorted my super and grown my savings. What should I do next?

March 17, 2026 — 11:09am

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I have started investing in exchange-traded funds (ETFs). I’m not super confident yet but I’m getting there. I’ve optimised my super, I’ve got my savings going well. I’ve ticked all the boxes. Now what?

If you’re looking for your next growth opportunity, there are two main steps you can take once your finances are optimised and you have a strong long-term investment plan. The first is looking outside ETFs into other asset classes. The second is increasing your income.

Here you’re basically looking to start upskilling in a new class of investment product. Some people move on to dividend stocks or property to add some diversification to their portfolio, and in the hope of above-market returns beyond what ETFs are giving them.

It’s important to keep in mind that every class of investment product has its own learning curve. There are some baseline skills that are transferable, which is why I am a big fan of starting people on the ETF road because you’ll learn plenty of transferable skills in that process. But, even so, there is a lot to learn that is specific to each investment product.

So if you want to add more investment products to your portfolio, my recommendation is: go in........

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