Australians have conservative financial goals, focused on paying off debt and topping up super, according to new research.The latest MLC Quarterly Wealth Sentiment Survey shows the proportion of people who think it is a good time to invest in property or shares fell in the March quarter.Asked what "investments" they made in the past three months, more than 25 per cent said they added to their savings accounts, a little over 20 per cent paid off debt, seven per cent added to super, five per cent bought shares and around three per cent invested in property.Young Australians, aged 18 to 29, were big savers, with 42 per cent saying they added to their savings accounts.Fewer people said they agreed with the proposition that it was a good time to add to savings accounts, given low rates, but they were not keen to put their money in shares or property.MLC's finding were echoed in a survey by lenders Homeloans Ltd, which found that 60 per cent of people planned to use their tax refund to pay off debt.