Ask an Adviser: Offset v Superannuation v Debt Recycling – Who Comes Out On Top?

Video Description

We wanted to get specific in today’s episode and so today we work through a case study of Mr Equity and Mrs Mates. In particular, they want to know if they’ll be better off in retirement if they maximise the use of their offset, their superannuation or use debt recycling. So Dylan has crunched the numbers and is presenting the scenarios back to Mr Equity and Mrs Mates in today’s episode. Want to follow along as we go? Dylan has prepared the below presentation that outlines the three scenarios. Equity Mates Scenarios PDFDownload (https://equitymates.com/wp-content/uploads/2024/10/Equity-Mates-Scenarios-Final.pdf) 00:00 - Introduction to Equity Mates 07:19 - Scenario 1: Using Offset Accounts to Pay Down Debt 09:07 - Scenario 2: Maxing Out Super Contributions 15:29 - Scenario 3: Debt Recycling Explained 26:56 - Comparison of Scenarios After 25 Years 28:46 - Wealth Outcomes of Each Scenario 29:59 - Super Contributions vs. Debt Recycling 37:06 - Tax Benefits Across Scenarios Dylan Pargiter-Green is a Director and Financial Advisor at Bold Wealth. He specialises in helping older Australians prepare for retirement. If you would like to speak to Dylan, fill out the form on our website (https://equitymates.com/advice/) and we’ll put you in touch. ——— Get access to every episode 24 hours before YouTube by subscribing for free: On Spotify - https://open.spotify.com/show/2ZzAxuxFmQ1U78pL3RMxns?si=7a0ab175f16542a1 Or Apple Podcasts - https://podcasts.apple.com/au/podcast/equity-mates-investing-podcast/id1212097275 ——— Want to get involved? - Join our daily mailing list to stay up to date on all things in business and markets: https://equitymates.beehiiv.com/subscribe?ref=FKJsJ4smw9 - Ask us a question: https://equitymates.com/get-in-touch/ - Join the conversation in the Facebook Discussion Group https://www.facebook.com/groups/equitymates - Instagram: https://www.instagram.com/equitymates/ - X: https://twitter.com/EquityMates - TikTok: https://www.tiktok.com/@equitymates - LinkedIn: https://www.linkedin.com/company/equity-mates/ ——— Equity Mates Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697.