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	<title>Money magazine Comments - Ask Paul: We have $100k in offset, should we buy property or shares?</title>
	<description>With $100,000 in offset against their home, Nick and his wife are keen to start investing. "If your work is not secure, I'd be hanging onto your cash," says Paul.</description>
	<link>https://www.moneymag.com.au/feed/latest?story=172159741</link>
	<lastBuildDate>Wed, 02 Sep 2020 11:00:43 +1000</lastBuildDate>
	<pubDate>Wed, 02 Sep 2020 11:00:43 +1000</pubDate>
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	<copyright>Copyright 2026 Money magazine</copyright>
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		<title>Money magazine Comments - Ask Paul: We have $100k in offset, should we buy property or shares?</title>
		<url>https://media.moneymag.com.au/prod/media/library/Money_Mag/Logo/Logo_401x133.png</url>
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		<title>Comment by Jason Weeks ()</title>
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<p><p>Just thought I would stop by to say I think that, although it might not have given the questioner the warm and fuzzy feeling of having someone else choose for them, this is a good answer. It&#39;s always difficult to answer the either or question! It&#39;s also hard to know what&#39;s going to happen at the moment because the events being experienced are not purely financial in nature. What is interesting to think about is that pricing in shares and property moves fast/slow, and pricing in shares is typically homogeneous. Anyway, just my 2c.</p></p><p><a href="">Reply to article</a></p><p>For original story, <a href="">Click Here.</a></p>
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		<dc:creator>Jason Weeks ()</dc:creator>
		<pubDate>Wed, 02 Sep 2020 11:00:43 +1000</pubDate>
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		<title>Comment by Wayne smitty ()</title>
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<p><p>I believe you can also claim the interest rate on your offset loan (on your tax return) on any dividend income when purchasing shares using your offset account, so finding shares with decent dividends also helps. Paul may be able to clarify.</p></p><p><a href="">Reply to article</a></p><p>For original story, <a href="">Click Here.</a></p>
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		<dc:creator>Wayne smitty ()</dc:creator>
		<pubDate>Wed, 02 Sep 2020 18:48:02 +1000</pubDate>
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		<title>Comment by JOHNNY WURF ()</title>
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<p><p>On the basis this is the only property, the real return (accounted for tax) on the offset account is basically after tax. Any return on shares would be subject to income tax. Whereas the interest &quot;earned&quot; in the off-set account is not subject to tax.</p></p><p><a href="">Reply to article</a></p><p>For original story, <a href="">Click Here.</a></p>
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		<dc:creator>JOHNNY WURF ()</dc:creator>
		<pubDate>Mon, 07 Sep 2020 01:22:38 +1000</pubDate>
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		<title>Comment by Andrew Manley ()</title>
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<p><p>Is an investment property in Queensland through Belouis Investment Group also based in Queensland a good idea or risky??</p></p><p><a href="">Reply to article</a></p><p>For original story, <a href="">Click Here.</a></p>
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		<dc:creator>Andrew Manley ()</dc:creator>
		<pubDate>Sun, 23 May 2021 04:05:48 +1000</pubDate>
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