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I am not disputing your point about investing in shares. I like shares and invest in them myself. The point is property investing is not a bad investment either. If you buy resi ip in good location you will do alright over medium to long term. Most people find it much easy to borrow 480K on...

What about the rental return of 5%approx. which helps with the mortgage and the negative gearing tax benefits. So even if the cost of funds is around 7%pa it might actually only cost you 1-2% per annum to hold it. So that is still 5-6% gain. Correct me if I have completely misunderstood the...