Hey everyone, would really appreciate some help with this please. I asked for advice on another post about keeping our current PPOR townhouse or selling and the Y-Man suggested looking into shares. We’d never considered doing that so I’m trying to figure out how our situation changes over the next 10 - 20 years if we don’t sell straight away and moved our offset account $ into shares. I’ve had a basic crack at it just using a mortgage calculator and I know there’s a lot wrong but not sure how to take into account inflation/growth etc. Happy for any feedback please. I’d like to model where we could be if things went well or things went really badly but not sure what numbers to use to crunch this. This is just based on 6% returns and 4% growth (which I thought might be average) & returns are used to pay PPOR mortgage. I haven’t factored conservative lending to buy more shares because I don’t know if this is something we can or should do, would you? Both also assume an interest rate of 3.75% and that an IP in Corio with a small 200k loan will eventually pay itself off. Scenario 1- Keep money in the offset (no shares) Loan =460000 Offset= 300000 Monthly payments = 2600 Loan paid off by 2025-2026. Goal house as PPOR will be worth 1.3-1.5 million in 5-10 years. Deposit required will be 3-400k. Time to save new deposit = 8-10 years 2034 (age mid to late 40s) Purchase goal house with 1 million dollar mortgage. Mid- late 50s to 60s retire with PPOR paid off, super and 2 income earning IPs, based on 4% growth over 20-30 years 1 will be worth 1.5-2.3m, the other 800k-1m. Scenario 2 - Buy Shares with Offset money. Keep current townhouse as PPOR. Buy shares etc and pay down debt. Sell investment property in Corio to leverage equity and buy dream house when timing is right for borrowing capacity. Loan = 460000 Offset = 50000 Reits/Lics/efts/shares portfolio = 250000 Monthly payments 2600 + dividends from assets. (6% of 250000 =15000. 15000/12 =1250 monthly extra payments from assets. = Loan paid off in 11 years, 2031. Assuming capital growth of 4% over 11 years. Assets value = 384000 2031 - Sell Corio IP for deposit in 5 -11 years (age by this stage is late 30s to mid 40s) Purchase goal house with 1 million dollar mortgage. Early 50s to early 60s retire with PPOR paid off and 1 income earning investment property paid off (worth 1.5m-2.3m if 4% growth average) and 500-800K of assets plus super. Option 3 Sell townhouse and buy PPOR we want now using equity & offset money as deposit. Spend next 20-30 years paying off 600k mortgage, Retire with PPOR paid off and 1 IP worth 800-1m. From my calculations the end game doesn’t end up significantly better one way or another. I’m curious to know whether it swings more one way or another once some of my mistakes are fixed. From this though I think we’re probably better with option 2 because investments are more diversified. Thanks in advance for any help!