2025 looks like a flat or negative year for stock market returns – possibly a good entry point for a new opportunity or continuation to grow your share portfolio. Debt Recycling could be considered an option.  A bit of buzzword over the last couple of years with the stock market outperforming averages. 

The RBA has lowered interest rates by 0.25% basis points lowering the effective cash rate from 4.35% to 4.10%.