If people have mortgage of say $400k then inflation is the reason as why house value would jump from $550k to say $800k = unrealised profit. So inflation work for you in terms of house value and against you in terms of cash. So we can also say that putting $10k (annual) cash into offset account with 6% homeloan rate is more like reducing depth by 10% if house value grows by 4%. Or you can say: Inflation helps with equity value to grow further while balance still to pay is the opposite. Most people do not know how to make 30% consistent income on stock market so I agree. $10k in offset account is good choice. Still. minimum amount for stock investing is $40-$50k. And yet 30% profit minus 15% tax - 4% inflation is more like 11%. Offsett account then extra super then stock market.
