{"id":525581,"date":"2026-06-30T09:48:25","date_gmt":"2026-06-30T09:48:25","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/525581\/"},"modified":"2026-06-30T09:48:25","modified_gmt":"2026-06-30T09:48:25","slug":"offset-accounts-versus-index-funds-how-to-save-for-your-next-property-deposit-explained","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/525581\/","title":{"rendered":"Offset accounts versus index funds: How to save for your next property deposit, explained"},"content":{"rendered":"<p>Q: We\u2019re buying our first property and will use an offset mortgage to help cut interest. We\u2019re likely to upgrade to a bigger property in seven to 10 years and are wondering how we should save for a new deposit. Is it better to put extra money on the mortgage and redraw when needed, or should we invest spare cash in an index fund? Ricki<\/p>\n<p>A: The key issues faced here are risk, tax and time horizon, says Suzanne Haddan, managing director of BFG Financial Services.<\/p>\n<p>Loading&#8230;<\/p>\n","protected":false},"excerpt":{"rendered":"Q: We\u2019re buying our first property and will use an offset mortgage to help cut interest. We\u2019re likely&hellip;\n","protected":false},"author":2,"featured_media":525582,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,61,60,174,175],"class_list":["post-525581","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-ie","tag-ireland","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/525581","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=525581"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/525581\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/525582"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=525581"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=525581"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=525581"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}