Established family or independent singles
You are well on your way to establishing yourself, paying off your mortgage and perhaps beginning to consider using some of the equity in your home to boost your investments, either by considering purchasing an investment property (or two), or maybe investing in a well-constructed portfolio of managed funds and direct shares.
You may begin to focus more on building your Superannuation. It is not uncommon to have several different accounts which perhaps should be consolidated into the one. By taking more of an interest in your retirement savings and how they are invested now, you still have considerable time to make a real difference in the funds you will have when you retire and, therefore the lifestyle you are able to live.
Insurance continues to be an important consideration, often being an affordable way of providing funds to ease the financial burden if things go wrong. It provides a solid bridge between where you are now and where you would like to be, increasing the likelihood of achieving your goals by removing some of the risk along the way.