"you could have earned 5% on your money in the bank or 10% yield on Telstra shares (plus substantial capital gains)."
Mmm given it was borrowed money you are hardly going to make any money by putting it back in the bank. As for the Telstra shares or something else can you guarantee what the future holds? You can just as easily cop a loss on these investments - hindsight of time is a wonderful things. So no point in making up losses about the perceived opportunity cost!
