Offset accounts are one of the most popular financial tools for Aussie mortgage holders — but are we relying on them too much?
In this episode, Mark and Shani break down how offset accounts work, why balances are now at record highs, and the hidden opportunity cost of keeping too much cash in them instead of investing.
Using real examples, Shani’s own mortgage journey, and clear maths, they explain how to decide your ideal offset amount, how to calculate your personal hurdle rate, and how to balance your mortgage with your wider financial goals.
Disclaimer: This video has been prepared for clients of Morningstar Australasia Pty Ltd and/or New Zealand wholesale clients of Morningstar Research Ltd. Any general advice has been provided without reference to your financial objectives,
situation or needs.
You should consider the advice in light of these matters and any relevant Product Disclosure
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