Update June 29, 2024 – Vanguard has addressed both of the issues outlined in this article in their notice to investors. However, the ETF issue cannot be resolved in any…

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.

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.

Unfortunately, there’s no single fund containing everything. Let’s define what worldwide exposure consists of and go through your options using 2-3 funds to achieve it.