all good stuff to chew on, thanks guys.

I need to assess my habitual distrust of any investment outside of property..

To go to the effort of combining 1-3% at best actual dividend cash income received only twice a year with franking credits and negative gearing claims to service the loan isn’t my cup of tea. if the loan is repayed in arrears,…[Read more]

it raises a good point , the ATO gets you no matter what.

CGT is going to 25k in this case [sale-loan /2 x 47%].

So while there is sufficient cash to pay out my PPOR after fee’s+cgt, to save 25K of future interest, i’m really just giving it to them now in CGT .

I suppose i would also save the tax applied to the cash that would service the PPOR…[Read more]