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Option 3 - Superannuation

Superannuation is the most tax effective investment strategy for retirement savings in Australia. You pay a maximum 15% tax on superannuation earnings. Additionally, if you have a salary sacrifice arrangement, payments are taxed at a rate lower than your marginal rate of tax. Superannuation invested in a diversified portfolio may give you a better return than paying off your mortgage faster. However, remember that the investment risk will not be as low as paying off your mortgage.

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