Q&A: My target audience, investing in US domicile ETFs and whether to repay P&I to minimise interest rate...

In this Q&A episode, Stuart explores whether his financial strategies apply broadly or mainly to wealthier Australians, responding to recent data showing few households have $2M+ in super. He explains how his goal is to equip a wide range of listeners to make better decisions, regardless of starting point, and why aiming high with financial goals can still be relevant and motivating.He also answers a question on US-domiciled ETFs, covering tax implications, currency risk, and whether Irish-domiciled UCITS ETFs can provide a more efficient option for long-term Australian investors. He discusses how income, reporting, and capital gains are treated, and clarifies some common misconceptions.Next, Stuart tackles whether it’s worth switching investment property loans from interest-only to principal and interest, weighing the opportunity cost of redirecting cash flow toward debt versus other investments or paying down a PPR loan.Finally, a listener outlines their detailed financial plan and asks if they should stretch their home budget, buy an investment property, or stay the course with ETF investing and super. Stuart walks through key considerations around private school costs, inheritance timing, and borrowing strategy.Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereMy new book, Wealth by Design, is out now:Buy online or in bookstores. The ebook is available now, audiobook coming soon.Got a question for the podcast?Email us at [email protected] in working with our team?Discover how we can work togetherSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.