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Steve: Looks very good subject to the 10% return of share fund on 7.5% interest rate environment, or the share fund return 3% higher than interest rate. If the interest rate is more than 10%, what return the share fund will be from history data? Still I think it is a good strategy...

Steve: From my memory of See Change's Method, it is very practical with very low risk and maximum returns. Well, it still needs some skills and determination to implement it as well as some equity/deposit to begin with. I am 100% IP person at that moment. My experience on stock market is...

Steve: Good post. I think most of us have little problem to build a property portfolio as long as we are in this forum long enough. It is very good for us to know more beyone IP. Looking forward to the topic of portfolio balancing. Please continue. Thanks TGP

Duncan: I just modified my text. This spreadsheet actually points out the important of cash flow positive in the retirement portfolio. It also provides a good tool for us to work with in our own scenarios. Thank you very much. Cheers TGP

Keithj: How about this does not work in next 5 years? Why not put all funds into your 1M IP and pay it off to live from rental incomes as Bill suggests? No worry at all of the retirement. When you read carefully, actually, Duncan's example spreadsheet is cash flow positive already. Half...