I wish someone had told me about this.
Invest up to 4k a year and the government gives you 25% top up. However you can only access this money if you buy your first home or at 60 years of age.
The money can then be invested for more growth.
Even if you open it before 40 and put a little bit in at least you then have the option to top up more later.
Do you own research as always. I am no expert. I'm only telling you lot so you don't have regrets like I do.