Mont Wealth Advisors founder Rob Pizzichetta offers his "Pizz-Spectives" covering a range of subjects from investment and superannuation strategies, interviews with top fund managers, and discussing the latest investment and economic trends.
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We work collaboratively with your tax advisor to optimise your financial strategy, ensuring your plan aligns seamlessly across all areas.
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The Magic Number to Invest or Pay Down Your Mortgage
Rob Pizzichetta (Mont Wealth) explains why, with Australian mortgage rates around 6–6.5% and households devoting about 37% of income to mortgages, paying down a home loan—especially via an offset—often beats investing. Using a $500k loan at 6.25%, he shows mortgage interest is paid from after-tax, non-deductible dollars, making the effective hurdle high. Assuming investments are taxed at a flat 30%, he models $100k over 10 years at 6%, 8%, and 10% returns and finds only the 10% scenario outperforms the offset, and only modestly, while adding equity volatility risk. He provides break-even and “risk buffer” mortgage-rate thresholds, plus factors that can change the outcome (franking credits, super, debt recycling, time horizon, and behavior), concluding that above ~6% most people should fill the offset or pay down the mortgage before investing outside super.
00:00 Mortgage Stress Snapshot
00:24 The Core Question
00:47 Mortgage Interest Reality
01:34 Offset Beats Investing
03:23 Offset vs Redraw Basics
03:50 10 Year Return Scenarios
05:47 Break Even Rate Math
06:55 Rule of Thumb Zones
07:35 Four Key Exceptions
08:40 Wrap Up and Next Steps
#invest #mortgage #wealth #money #interest #debt #payback
9 Oct 2026
Why The Big Short Is A Lesson For Rebalancing Your Portfolio Today
Rob Pizzichetta (Mont Wealth) argues that after years of low yields, defensive assets are attractive again as governments run persistent deficits that push bond yields higher, flowing through to mortgages, super, and long-term return expectations. Using Australia’s federal budget (large locked-in spending, rising interest costs on roughly $1T debt) and Victoria’s growing debt and refinancing risk (10-year yields near 6% and a worsening “debt loop” tied to property-based revenues), he links fiscal indiscipline and sticky inflation to a higher neutral rate and a new return backdrop where near “risk-free” government bonds can yield around 5%+. He outlines considerations including rebalancing toward short/intermediate and floating-rate Australian fixed income, staying cautious on Australian equities, and being more selective in share exposure given concentration risks, concluding that managing risk and reducing excessive growth exposure makes sense while yields are elevated.
00:00 2006 Market Warning
01:17 Deficits Drive Yields
01:45 Canberra Budget Breakdown
03:38 Rates Rising Everywhere
04:18 Victoria Debt Loop
06:18 Global Fiscal Doom Loop
07:12 What It Means For Portfolios
08:24 Defensive Assets Return
09:34 Committee Moves Now
10:30 Active Equity Risk
10:49 Final Risk Reminder
11:39 Wrap Up And Contact
#income #invest #money #trending #advice #wealth
www.montwealth.com.au
1 Oct 2026
How to Make Money from Bonds: Income, Yield & Capital Growth
Rob Pizzichetta explains how bonds work and argues that government bonds are back as a real income asset after a decade-plus of low yields. He defines bonds as tradable loans, covering coupon, maturity, face value, and the differences between fixed and floating-rate bonds (plus inflation-linked variants). He outlines credit ratings and stresses that ratings address default risk, not price risk. He then details the key rule that prices and yields move inversely, introduces duration to show why longer bonds move more, and uses examples of how yield changes can drive gains or losses while holding to maturity returns face value. He reviews the 40-year bond bull market, the 2022 inflation/rate shock, and today’s drivers—deficits, reduced central bank buying, and competition for capital—before summarizing risks and portfolio uses of bonds.
00:00 Bonds Are Back
00:54 Bond Basics Explained
01:46 Fixed vs Floating Rates
03:00 Credit Ratings Matter
04:37 Yield Price Seesaw
05:21 Duration And Returns
06:31 40 Year Bond Bull Run
08:21 2022 Shock And Deficits
10:00 Why Yields Stay Higher
11:25 Risks And How To Manage
12:03 Why Own Bonds
12:38 Wrap Up And Disclaimer
#income #bonds #wealth #investing #money #howto #financialfreedom #advice
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