Agree with age dependent for sectors, fixed returns etc although in general terms looks like lots of capital returning to share market by responses here, which I agree with, so reduce debt on PPOR while rates low, with spiraling national debt they're not going to be there long, balance in shares next few yrs except small cash back up fund.
Look at property scene in cpl yrs where market has been flat for 5 yrs already, such as Syd, history suggests big jumps are likely. Lots of money going there currently by those burned/scared of equities, and the ageing. Perhaps move principal into r/e then and leave profits in market or vice versa.
If you dont take some risks you cant get ahead. Just look before you leap.
