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The SANF buffer is to harvest sufficient equity to last you 10+ years and then have it sitting in your LOC's as available funds, prior to leaving full time employment .

Exact same for us... except we use a more streamline LOC financial structure, as opposed to IP loans with a savings account off setting it.

In the portfolio acquisition stage just starting out with the purchase price levels these days I would hazard a guess most people would be 80 or higher.

Some will hold it in available funds for withdrawal on their LOC's .

By that definition, anyone investing in any of the asset classes & types, is a speculator. I think not..

I would qualify some one doing all the above on the average wage or less as a minimum.

Thanks for the chart. The measure I would like to see is those investors with 1, 3-5, then 6 and above. There were stats on ABS for the above. Savvy investors to me would be Investors with 6 or more IP. How could savvy OO be qualified - maybe there the ones with 6 or more IP as well? ;)

I'd be interested to see the other side of coin - being the OO loan figures over the same period for comparison. As well as a break down of the above chart in relation to level of 'investor' (ie mum & dad type or professional) taking out the loans shown. Remembering the Mum & Dad type are...

Well, we'll have to agree to disagree then..I witnessed it happening.

Correct it's supply & demand equation that's the driving force..which was the case when negative gearing was abolished by Keating. The supply side drying up as investors were bailing out and this put pressure on the demand side as tenants looking for a place to rent increased.

It seems everyone is forgetting or simply arent aware of what happened when the Treasurer of the day Mr Paul Keeting and Govt abolished it back in the mid 1980's, the implications it created and the measures they had to introduce to bring negative gearing back in 2 years later.

Statistical figures provided to the Government pollies show that for every $1 the govt pays out to investors who utilise the negative gearing tax benefits, indirectly puts back an extra $4 into the governments coffers. The extra taxes they (the govt) are now getting, as opposed to what they...