The Golden Rule: Don't Invest Cash

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TerryW has done an amazing job sharing many tax tips. 

Terryw’s Tax Tips

And there is one that stands out above all others as a general principal that is useful to follow where possible, Tax Tip 9: Don’t use Cash in Offset account to Invest, or as I like to say

Don't Invest Cash*

*Until the PPOR is paid off.

This rule is a tax minimisation strategy and should be used where possible. But not to the extent that you delay investing.

The idea is very simple, have tax deductible debt where possible over non-tax deductible debt.\

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