We saw a financial planner last year to help roll all our supers together (we had a lot!). All mine were rolled over into a new fund, at the moment we are going for high risk/high return on it for the next ten years. So there will be times with losses, but overall I should be ahead in ten years time. Will need to look at the last mail out to see if the fees are outweighing the interest though. The FP knew I was not working and may not be for a little while, so hoping he put me in the right fund.

I think spouses can make a spousal contribution to your fund, but you would need to chat to someone in the area to see if there is any benefit from that, as often in the early days you are better off putting extra funds into the mortgage.