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My spreadsheet tells me that my passive income is expected to increase faster than my personal expenses, so excess cashflow will be directed towards one or more of higher personal expenses paying down debt servicing more investments I'd expect that my tolerance for risk will continue to...

Impossible... you've got to work out what you think is good value. You can't think the same as me..... if everyone did that, then we'd all be on the same side of the trade. You've got to try different stuff, get some experience, see what you're good at & see what works for you, and then you'll...

Hi Redwing, Sorry to report it's all v. boring. Rents continue to be paid on time & in full, dividends continue to be paid - last month it was the banks, this month will be the LICs. I recently asked property managers for approx valuations of IPs - they are all up 7-15% on last year - not...

Only if I had index fund weightings in all of them. I hold $500 of many cpys, for 3(4?) reasons. If I buy them & I previously had no holdings then I have to fill in the paperwork all over again - PITA. Some of them regularly have discounted share purchase plans I can buy $15K of discounted...

Minimal.... divs arrive in a/c twice a year from 50+ companies. Rent arrives 12 times a year. What Rixter said. I've previously lent the trust cash that I've already paid tax on. So it is just returning it to me on demand. It's all deductible.

Jason & Steve (and Rick) have given some excellent answers - thanks. To clarify, I think I said equity doubles every 5 yrs, not property. eg Cash deposit of $100K on a $400K house which doubles in 10 yrs, means that I get $500K equity in 10 yrs - a five fold increase. Being conservative...

What is luck ? I've had good 'luck' & bad 'luck'. I'm sure I've mentioned that in order for 'luck' to happen to you, you've got to try stuff. A general strategy of mine is buying income streams that are 'good value', it's worked for me - it's impossible for me to say how much is luck &...

Hi Andrew, From a personal POV, we're taking the kids out of school & around Australia for 3-6 months, so the short term strategy is mostly set & forget. I'm pretty happy with the current income streams. I expect to be checking the markets less frequently. IPs have always been set & forget -...

I have both SLF & other LPTs. ATM I prefer AFI to ARG (which has high exposure to MaqBank), although I hold both. Direct IP & LPTs/SLF are completely different types of investment - you need to work out what's best for you :) - I continue to hold both for the long term.

Only Australian, but obviously many of them have O/S exposure. Maybe.... the risk of course is a bounce - maybe caused by Obama pulling out of Iraq or printing even more US$ or China perking up or some other left field event (that some obscure 'expert' has been forecasting for decades :rolleyes:).

Some defensive, some financial, some LPTs, some infrastructure, some LICs. They all pay reasonable to good yields based on current forecasts - everything is still v. cash flow positive. I don't think the short/medium term future is forecastable with any reasonable degree of certainty at the...

Hiya, Margin LVR is 0% - I currently have cash available. And property is ~80% depending on current valuations. Cheers Keith

Hi AlwayzLearnin, Lots of the things that haven't happened for a several cycles have changed the investing landscape significantly. In November '07 it was hard to imagine that within 12 months - Oil would hit US$40 Inflation would be falling, with talk of deflationary spirals IRs would be...

Hi Trogdor, I'm pretty sure the trust can still stream divs & franking credits to beneficiaries & any cap loss stays there to offset subsequent year. I don't know what happens to franking credits when it makes a loss. But logically I'd guess you're right. Hasn't happened to me yet...

Recently we've had a few of those 1 in 100 year events that we have now and again.... banks down the most since the 1930's, LPTs down by over 50% in a v. short period. IMO there's value out there, but right now there's too much negative stuff about.... highest IRs for 12 years highest CPI...

Hi Ben, AFAIK a trust can't take out a loan on a personally owned IP. It can only borrow against assets that IT owns. If you give me addresses of your unencumbered IPs I know a trustee that will give it a try & report back ;). My view of asset protection is that an 80% LVR mortgage with...

Hi BJ, Short answer is Yes. IF I get sued successfully, then the creditors would probably go for my family home first, then IPs. The bank has first claim to anything that they have a mortgage over. If you think about it, they'd be crazy to lend cheap money over assets they don't have...

Hi TAG, At first I bought in my own name, subsequently in a DT. I did have concerns about being sued back then, so a DT insulated the assets. Now, I feel that an 80% LVR mortgage is sufficient deterrant. If I could start again I'd make sure I used up all my personal (& partners) land tax...

Hi Pat, Short answer is Yes. I have IP loans against my PPOR (which is in my name) that I pay interest on. However, since I loaned those $$ to the trust (for income producing purposes) it pays me interest (from it's txn a/c), and I subsequently pay interest from my personal account. So all...

Hi Bill, Still to much uncertainty for me. Next week or the week after, another US finance cpy implosion will occur & remind everyone how fragile the current confidence really is. I think there's good value for the long term there already, but I also think that good value isn't going to...