People often ask, ‘Should I debt recycle or leave my money in the offset?’, but taking money out of your offset to invest is actually two separate steps. Debt recycling is the second step – a mechanical step that does not require a decision – that comes after the first step, which is the real question you should be asking yourself.

Read on to understand what you should be asking instead and how to make that decision.

​With interest rates returning effectively nothing over inflation, is it worth moving from cash to bonds? To answer this, we need to compare the risk and return of each. ​

Whether to pay off the mortgage faster or invest is one of the most common questions that gets asked. Paying down your mortgage offers a guaranteed return. Investing has a higher return, but it’s not guaranteed. Read on to help decide which is better for you.