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I was on the fence as to whether or not you were legit, but then that Qantas call had me confused again. In case you are legit, - airlines are terrible investments! Sure, QAN has been a great trade at the moment due to the oil price drop. And maybe they will continue to rise in the short...

Do they? All the ones I've seen look like the add up to a 50/50 split Australian shares / International. Once you take into account the emerging markets and international small companies I definitely agree with this part - this is what I would be doing!

Take any random asset allocation numbers that are being thrown at you via the internet as exactly that - random numbers. Personally at that level of income, I'd think about how much I liked my job. A few years at 400K well invested and you're set for life, and suddenly your time is much more...