You’re new to investing. You’re a wage/salary earner. Your life up to this point has been about establishing yourself or your family; consumption oriented strategies; saving for holidays. You may be living from paycheck to paycheck. Your company contributes into superannuation for you. If you own a home, it is your primary residence. If you’re thinking of buying a home – it’s to live in.
You haven’t yet started to think about investing as a long term strategy, but you are starting to realise that you are responsible for your financial future...and you have yet to work out what that looks like.