Thanks for the replies.
I have a modest emergency fund, which is currently offset against the mortgage.
Critical Illness covers things like heart attack/cancer, terminal illness etc.
I'm in Australia, so we have compulsory superannuation at 9% of salary. The government keeps tinkering with the pension rules so I'm not sure I want to put any more in as I can't get it until probably 70 by the time I get to retirement.
I was thinking of putting some into an ETF that tracks the market index. Any thoughts on that?