Investing for the future is fundamental to reaching the goals you’re setting out to achieve.

Whether it’s paying off your home loan sooner, saving for your children’s education or dreams of a sunny vacation, it takes a plan to turn them into a reality. Investing can be much more than just a regular deposit into a bank account – by taking charge of your financial situation, you can magnify your savings and move towards your goals sooner!

Below are examples of different types of investing that we regularly use at Endorphin.

Debt Recycling

A debt recycling strategy can enable you to grow a tax effective investment portfolio and can assist in paying off your home loan faster. An interest only loan against the equity in your home is used to invest in a diverse portfolio of assets. The income generated from the portfolio (dividends and distributions) are directed to the home loan along with all surplus funds.

The strategy can assist you to:

  • Reach your financial goals sooner (eg clear your home loan)
  • Increase net wealth due to accelerated growth assets
  • Replace ‘non tax deductible’ debt with ‘tax deductible debt’
  • Provide diversity to your overall investments
  • Free up valuable cash flow for future years

There are some considerations you will need to take into account before deciding if this strategy is in your best interests:

  • As the strategy involves gearing, capital gains and losses made on your investment are larger compared to traditional non-geared investment strategies
  • This suits investors with a minimum seven-year time frame or those who are willing to accept higher levels of investment value volatility in return for higher potential investment performance
  • The scenario is flexible and can be adjusted if your family’s circumstances were to change.


For decades, many Australians have accelerated their wealth accumulation by borrowing money to invest (also known as ‘gearing’). It can also be used with a regular installment strategy to build a nest egg over time. This strategy does however have a higher level of risk due to the additional exposure to growth assets.

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This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.