I'm a newbie here but I've invested in both property and shares. From reading most of your posts in this forum, you're no doubt an "experienced" investor but bias towards property. For one, properties require a large capital to start off with (excluding REITs etc.) and it's easier to go bankrupt if you don't know what you're doing. Because you mentioned the word "safe" and "shares", I would like to give you an example: if you invest $1000 (peanuts compare to property and your total portfolio, imo) into one of the index funds or LICs... and assume you lose it all (worst case scenario), would you regret? Yes, it might be unwise but I think you would still be ok by losing the whole lot, $1000. But the experience you'd gain from this process is quite enormous, imo. At least, you're in the game and won't die wondering shares or properties. This is like me considering... Should I go and travel overseas? cost usually >$1000, but by spending the amount, it won't send me bankrupt and would give me an experience that I couldn't have otherwise. Like others may have said, why not try by doing. start small and grow it if you like it. otherwise, just treat it like an overseas travel When you've reached the amount that is beyond my experience here, just ask the veterans on here.