Hi all, This is my first post and I welcome your constructive feedback/input and provide guidance based on your past experience whereever possible. I am considering to start investment in Shares/ETF, (basically outside of property) that generate ongoing dividend income and will also grow over time. The intent will be to hold the assets in joint ownership with my wife, and buy more in time so that the dividend return continue to grow too. We currently have a PPOR debt at $400k, and available funds at $75k borrowed which is setup as split loan from the PPOR equity ready for investment. Once the funds are used to purchase income producing asset, the interest on the loan will become tax deductible. We then direct the dividends income to grow the offset account. I have spent sometime reading the posts on forum in terms of where to invest but I personally find it does tend to get overwhelming and confusing as I am unable to decide what could be a good % split and details relating to portal that I should consider using based on your past experience. I am putting this post out there, hoping that I’d receive some pointers from other experienced forum members. Incase I have missed including any background information that would help understanding my situation, please let me know and I’ll update my post with it. Many thanks in advance.