I am interested in canvassing the opinions of the experienced people who post here. I am 64 and will have accumulated around $300 k in my workplace superannuation by the time i Leave in 2 years. I have spent my whole career in the health service. I have been looking at investing in a diversified managed fund, but to be honest the average returns over 5 or more years are "modest" . I am rather surprised by this, or should I have been?? . Any insights or advice would be gracefully received