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Yes, we fix the IPs opportunistically based on gut instinct - not a scientific way to go about it, but works for us. Currently all IPs are fixed till August (fixed for 2 years) at 4.5%. When they come off fixed, we'll reassess. PPoR is variable but I/O and we pay extra into the offset account...

Hi mate, Good on you for having a good savings base. As others have said the forum is a wealth of information. If I were in your position, I'd start with a goal in mind. Write down what you'd like to have at the end of this process. For example, ours is $4 mil in assets and $120k per...