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Many members of Gen X, aged between the 45 and 60 in 2025, will have by this stage built up a level of wealth within the family home and should consider other ways to accelerate financial security.

If you're in this cohort and the mortgage on your home is less than 50 per cent of the value of the property, that's usually the tipping point where we say it's time to look at other investment opportunities. If the mortgage is any larger than that, getting that down should be the priority.