Debt recycling and reinvesting dividends

Hello, I am new to investing, and haven't taken the leap yet as I am trying to work out the best option for me. I am currently thinking I will debt recycle and buy my first shares this way (100k). I understand the concept/risks/etc. Now, before I discovered DR, I had worked out what I wanted to invest in, and I wanted to reinvest monthly into these ETFs that were performing below target weight using Pearler. This is where my confusion lies. From what I have read, its not a good idea to reinvest my earnings/dividends to buy more shares because I purchased these through Debt Recycling initially. As understand it, its best these dividends go to my offset account of my non-deductible portion of loan to slowly pay that off. So my question is, how do I restructure my portfolio/invest more into these ETFs so that it wasnt a waste completing the DR exercise in the first place.

RENEE

Asked on 27 May 2025

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