So here's the story: As many in this forum I had some luck, with my Sydney PPOR growing in value in the past 5 years. The property was revalued and through my mortgage broker I raised a handsome equity loan of $300k. As this fund was sitting there doing nothing, and I was not keen on using this as a deposit for a new IP, I decided to use a big chunk of these funds for debt recycling and bought some Beta-shares Dividend Harvester (HVST) units. The interest on the equity loan was around 4.8%, while HVST was paying 11% in dividends early on. I had some success in using this dividend money to reduce my original PPOR loan. However the value of HVST is slowly eroding. Its down almost 20% from my original purchase price. What do I do from here? If I sell up all my HVST units, I will not recover my capital. If I hold it, I can sustain the equity loan repayments through its healthy dividend. But my fear is HVST might be using their capital to pay dividends, and its value will continue to slide. Anyone else has a similar story or suggestions on how I can turn things around?