Should you pour extra cash into your offset account, stash it in savings, or invest it? In this episode, Dave and Hayden break down the numbers and trade-offs that every homeowner faces.

We cover:

Why offsets slash long-term interest but don’t help your monthly cashflow
The cases where savings accounts can compete
How investing stacks up against offsets, and the risks involved
The role of interest rates and how debt recycling can tip the balance

Whether you're mortgage-stressed or just looking for smarter ways to grow wealth, this episode will help you see offsets, savings, and investing in new ways.

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Pearler

Strong Money Australia

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Disclaimer

Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.

Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide

If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

Hosted on Acast. See acast.com/privacy for more information.

48. Offsets vs Investing: What’s Really Best for Your Mortgage?

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