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I'd agree that IP is usually an inefficient way of generating retirement income - I'm not sure if you've read this thread which asked the same question. My asset alloc by Jan '08 will be - IP & PPOR 33% Shares 67% Super < 0.5% ...and on an income basis IP 5% Shares 94%...

I'd say it's still a good investment. 7% growth with (say) 4% nett yield. Most of the return is growth and so not taxed. Adjusted for risk (volatility) the return looks more attractive. Liquidity & entry/exit costs are a relatively big downside, but for long term investors irrelevent. Look...