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    Different Implementations of the LOE

    Although not strictly MFs, shares have outperformed property in the long term. The usual argument is that while expenses are also less, you cannot gear as much and shares carry a bit more risk (mainly volatility I guess). But I empathise with you being wary; it just doesn't feel as safe dropping...
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    Different Implementations of the LOE

    I'm not sure if I read this right, but basically if you're not paying tax (draw down) then there's not much use for deductions. If the draw down was for IP expenses, then you could deduct the interest expense from your investment income, but if it isn't, you're only losing that interest...
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