In the journey toward financial independence, understanding the dynamics of active and passive capital is crucial. At OFB, we don’t just talk about getting fit—we talk about building positive cashflow with purpose. Let’s unpack what that looks like in real life.
Passive Capital: Let the Financial Nerds Do Their Job
Superannuation is your passive capital play. It’s not exciting. It’s not loud. But done right, it compounds like hell.
And here’s the kicker: you don’t even need to be smart about it—that’s their job. Financial nerds in crisp shirts sit in glass towers with spreadsheets and algorithms. Their job is to make your money grow while you train, hustle, and live your life.
In New Zealand, Generate KiwiSaver’s Focused Growth Fund has done exactly that. As of January 2025, it pulled in an average 9.99% return over 10 years. That’s not a fluke. That’s professionals doing their job.
Across the ditch, AustralianSuper’s High Growth Fund clocked in at 8.09% annual return over 10 years (to March 2025). Again—same deal. Professionals playing long ball with your money.
This is why OFB teaches members to put 10% of earnings into passive capital. It’s not about hype. It’s about math. Do it long enough and your retirement fund starts looking more like a war chest.
Active Capital: Your Skillset Is the Asset
While the nerds invest your 10%, you go to work on the other 90. That’s active capital—and that’s where the grind lives.
This is you:
- Launching a side hustle
- Closing sales inside OFB
- Flipping skills for cash
- Educating yourself on investing
- Taking steps toward buying a second property to rent out
The goal? Cashflow. Control. Freedom. You don’t buy that on Afterpay—you build it with deliberate effort. OFB gives you a system to do just that.
The OFB Flow: Structure Creates Freedom
Here’s the breakdown:
- Your job pays the bills
- OFB commissions kickstart your part-time cashflow engine
- 10% to Passive Capital (e.g., KiwiSaver)
- 10% to Active Capital (your investment fund for cashflow-producing assets)
- 10% to Charity (because purpose matters)
- 70% to Life Improvements (better food, better tools, better outcomes)
This is how Doers Win. Not by hoping. By structuring.
Final Word
You don’t need to be a genius. You just need a plan. The OFB Way is clear:
- Work full-time at your job.
- Work part-time on your cashflow.
Because while the world cries cost-of-living crisis, we’re stacking commissions and compounding our futures.
Join OFB. Be the exception.