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Browse this space to Ask and Discuss about the platform or just investing in general! The Pearler Exchange is a space where investors (you!) can share your questions, ideas and experiences. None of the information posted in Ask is financial advice, it is only for entertainment and educational purposes. As always, before making financial decisions, please seek professional advice

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Need help on the platform?

Browse this space to Ask and Discuss about the platform or just investing in general! The Pearler Exchange is a space where investors (you!) can share your questions, ideas and experiences. None of the information posted in Ask is financial advice, it is only for entertainment and educational purposes. As always, before making financial decisions, please seek professional advice

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ETFs vs. offset accounts: When to move money?

18 December 2024

I currently hold ETFs and have funds in offset accounts. Ignoring market fluctuations and tax implications, at what point does it make sense to shift money between the two? For example: - If interest rates are very low, I assume ETFs are the better option. - If interest rates are high, it seems smarter to focus on offsetting loans. Is the math as simple as ETFs returning ~7%, so you’d start selling once interest rates cross ~6%, given the higher risk of ETFs compared to loan savings? Would love to hear your thoughts!

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