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.

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.

This question of whether to put your money into Offset vs ETFs vs Super is a question of investment time horizon and risk tolerance, but is also impacted significantly by tax. Read on to learn how to decide where to put your money.