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FHOG is only available on new constructions, and I don't think I'm eligible anymore.

Yes, it's the Vanguard High Yield Fund. I have all my money in the ETF for lower fees and easier liquidity. It has averaged around 10 percent since inception.

Hi, I am about to settle on my first IP - purchased for $315k. Once this is all complete I will have aprox. $40k in cash remaining, and I'm looking for ideas on what to do with it. I'm 23, live in a granny flat on parents property and earn aprox. 70k pa. I am aiming to move out soon...