Passive Investing Guide

Should I debt recycle or leave my money in the offset?

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.

The stock market is forward looking

The stock market is forward looking means that stocks are valued by their estimated future profits, and the price is adjusted to those expectations as soon as they are known, long before it impacts their profits. Read on to find out how this affects your decision of whether to invest or pay down your home loan.

Why bonds?

​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. ​

Stock market risk

Get a deeper understanding of stock market risk, with an explanation of systematic risk, the risk premium, and de-risking vs diversification.