“‘There’s no interest charge on that… it’s indexed at the lower of CPI or inflation… about 2.8%… market can return far greater returns.’”

“You need to earn over 13% on your investment to be better than paying down the debt… debt repayment is risk-free”

“Take the guaranteed return on paying down non-deductible debt. rate rise before Christmas, home is between 6.25 and 6.5%, that's a guaranteed after-tax return. with 8% return you lose 30% CGT”

“Number two would be paying principal and interest repayments on your tax-deductible debt when you also have owner-occupied debt… preserve that, don’t pay it off”

“If you're investing $70,000 a year in an ETF portfolio… improving the investment return efficiency can have a huge impact in dollar terms over a long period of time”