Hi there Situation is as follows: - PPOR valued at 460k with a 335k loan at 4.24% - 55k in a 100% offset arrangement - Currently double income, able to save approx. $1500 fortnight - Expect to be on single income within next year or two, savings capacity will likely reduce to around $400 fortnight. I recently saw a financial adviser and their suggestion was that I use the $55k in offset to commence a debt recycling strategy, investing in a managed fund. The intent would be that in 10-odd years I end up with $0 non-deductible debt, $335k deductible debt and a managed fund worth (hopefully) much more than $335k. My question is: Is it worth it? A debt recycling strategy is going to cost me $2500 to set up and then about $1500 per year to maintain. Are the returns likely to offset the costs? Currently I'm getting an effective return of 4.25% tax free from the offset. Surely pumping all the savings into the offset will likely have a similar impact once the fees are taken into account? Is the adviser sending me down the garden path or is this an important first step to be taking given I have multiple decades left until retirement and no other investments other than super? I know that a comprehensive answer can only be provided with tailored advice, but I'm particularly interested in the views out there on debt recycling. Thanks in advance p.s. On a similar note, can anybody recommend an adviser in SE QLD to get a second opinion from?