Property ratio

True, but I don't count super. Its not part of my asset/networth spreadsheets. I see it as 'not there' until I can actually access it - if I ever get access to it.

 

75% resi property
15% shares
5% gold
5% cash

Currently increasing shares to 20%

 

For me personally with a young family in my calculation would exclude PPOR all as downgrading or renting would be a last option. I would include Super as you can invest in pretty much everything and the money is pure investment at this stage of my life.

If considering downgrading home (empty nester etc.) I would consider adding PPOR back in minusing the value of the potential downgrade property

Personally I think this ratio is good to have in mind however it's more the quality of the asset and characteristics (yield etc) rather than just which category it is in and because more people are happy to leverage more for property buying or selling an IP affects the ratio too significantly.

 

70% Property
21% shares
9% Crypto

Not counting super, but counting PPOR which I have tenants in.

 

This is my strat:

When you're starting, 100% property. It's the cheapest, easiest leverage.

Then when you're done with property and the banks tell you to f-off, 90% of your surplus into equity, 10% bonds / cash (as a rebalancing mechanism).

 

15% shares
78% property
5% cash
2% crypto

not including super

 

Leverage is available for shares. Terms have traditionally not been as attractive but 75% LVR @ 3.75% with no margin calls is now available through the likes of NAB.

I started off in smaller caps and had enough success but these days I'd suggest index funds instead. They dont have the downside risk and Ill let the power of compounding provide my life changing return.

To answer the thread: 100% shares outside super, and 100% shares inside super.

 

Things have changed since I last looked. Thanks for the perspective, something for me to consider.

 

Its thier equity builder product. A P&I loan (or interest only with conditions attached). There is another thread running here on it.