Buying an investment property should be your next step for the simple reason that shares whether they be outright or index are not sufficiently diversified in a major downturn.

Direct property investments gives you that cyclic diversity.

Adding to your super is tax effective but not at the expense of building a diversified (shares and property) portfolio outside of super that could provide of dividends and rental income, should as you suggest wish to "retire" early at a time when you cannot access your super.

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