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Benefits earlier Hi Keith, Yes, good point you make about achieving benefits earlier. I guess a lot of it depends on your timeframe. I still have decades of working life ahead of me (although I'm aiming to reduce that somewhat!), so I can afford to put off earlier benefits for later...

Interesting Keith, Thankyou from all of us for that very interesting and informative analysis. The primary positive that I can see from the diversified strategy is with assistance with serviceability. However, if one was to use no doc loan products so that serviceability isn't an issue...