I am 55, aiming to retire within the next 10 years. I don’t own property but have $800,000 in super that my employer is contributing at 16.5 per cent. I am currently earning $146,000 with 3 per cent annual increases and additional annual earnings of $15,000. I am debt free but have one dependent.

Should I still be thinking about a property purchase, either residential or industrial, at this stage in my working lifecycle, or should I concentrate on growing my super by maximising the tax-free threshold? I have owned property in the past but paying it off on a single income when rates passed 7 per cent during the GFC knocked my enthusiasm for that on the head.

With a 10-year time frame, property is a sound investment. But it’s important to be clear on what your objectives are.Credit: Simon Letch

I would be keen to understand what your goal would be in acquiring a property. You mentioned residential or industrial, which suggests to me that you’re........

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