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Financially, the answer is easy. Given all those options are likely to have similar capital growth prospects then the answer is the one with the highest yield. PPORs don't yield at all, RIPs yield a little bit and CIPs can yield well. But I'm biased towards CIPs. But if this was just about...

Compared to what? If you have a lazy million burning a hole in your pocket you could instead use it as a deposit on a nice Cip yielding 8% net with a similar capital growth trajectory and send the kids to a top of the line public school instead. The financial gains of that strategy over the...