Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

What would be a wise way to invest savings for a newly married couple?
Forgive me as I do not know much about your fine country, but I do know one thing.  You can make 5% risk free guaranteed.  How, from your link: If you make a voluntary repayment of $500 or more, you will receive a bonus of 5 per cent. This means your account will be credited with an additional 5 per cent of the value of your payment. I'd take 20.900 of that amount saved and pay off her loan tomorrow and increase my net worth by 22.000. I'd also do the same thing for your loan.  In fact in someways it is more important to pay off your loan first.   As I understand it, you will eventually have to pay your loan back once your income rises above a threshold.  Psychologically you make attempt to retard your  future income in order to avoid payback.  Those decisions may not be made overtly but it is likely they will be made. So by the end of the day (or as soon as possible), I'd have a bank balance of 113,900 and no student loan debt.  This amounts to a net increase in net worth of 1900. It is a great, safe, first investment.