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Reply: 1.1.1.1 From: Ric1 . Hi GV, Have a look at www.vanguard.com.au. Over the long term, this is very achievable. The secret is to avoid the actively-managed funds, which charge fees that eat into one's returns. regards, Ric

Reply: 1.1 From: Ric1 . I reckon you can do better with your (after-tax) dollars then to plough them into a P&I loan. Over a long period of time, say 20 years, you might get 10%p.a. back as your IP appreciates, but if you go IO, you can plough your own money into, say, a managed fund instead...