What to invest in, realistic returns, how long it takes and how debt recycling builds long-term wealth.
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Debt recycling is a wealth-building strategy, not a tax trick. The deduction is the tailwind; the portfolio is the point. This category covers the investing and returns side: what the borrowed money buys, what returns are realistic, and how long the strategy takes to do its work.
The guides here look at what to invest in and how ETFs, LICs and shares compare, what realistic returns look like once you account for sequencing risk, how long debt recycling takes to pay off a mortgage, and a fully worked example modelled year by year. The figures are illustrative and clearly labelled as such, because no one can promise a market return.
We arrange the lending; your financial adviser recommends the assets. That division matters, and these guides respect it. If you have settled on a share-based approach, see debt recycling with shares and ETFs, and if you want to model your own numbers first, run the free estimate.
The recycled funds have to produce income to stay deductible. ETFs, LICs, direct shares and managed funds compared for debt recycling
Read the guide →Wealth & ReturnsWorked ExampleA fully worked, clearly illustrative debt recycling example on a $600,000 mortgage, including an honest bad year. Assumptions stated
Read the guide →Wealth & ReturnsPractical GuideHow many years debt recycling can shave off a mortgage, and what speeds it up or slows it down. Illustrative timelines by a licensed Australian broker.
Read the guide →Income-producing assets: ETFs, LICs, shares, managed funds or an investment property. The what-to-invest-in guide compares the options for the recycling context.
No one can promise a market return. The returns guide explains realistic expectations, the role of the tax benefit and why sequencing risk matters over a long horizon.
Typically a 10-year-plus horizon, shortened by spare cash flow, a higher marginal rate and strong returns. The how-long guide models the timeline under different assumptions.
Run the free estimate, or book a no-obligation call with a specialist debt recycling broker.
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