Hello everyone, i am new here and can see that there are many knowledgable folk here that can ofer advice on investing srategies. I would like some advice on my current postion as I am getting married soon and would like to set myself up nicely. Own 1 x IP bought at 240k (3yrs ago) have P&I loan currently at 175k 7.82% interest which I can draw down on if need be. i make minimum repayments of $1392 per month ($380 me , $1012 Tenant) I claim all my expenses e.g. Interest, water rates council rates and depreceation, leaving me an after tax return of around 5k a year (the property is negative geared) Based on a conservative sell price of 370k for the property, my current equity is 195k. I have also purchased a home for me and the wife to live in at 395k. I borrowed 265k from NAB in another loan at 7.82%. The other 135k came from a family member and is not required to be repayed ever, so can be considered instant equity in this property. Me and my partner make as much repayments as we can on this loan, in line with reducing our non-deductable debt as quickly as possible. I earn 65k P.a. and she makes 33k per year. We make $2172 in repayments per month in advance on this loan. The loan currently sits at about 259k. We also have a i saver account that does NOT offset our home loan. We put around $1500 per month in this account and it returns around 6.5% interest p.a. There is currently 4k in this savings account but it will go to zero by the time of the wedding because of expenses we must pay. I currently believe that our situation is o.k. without really having a hard look to see If we could squeeze a little more out of this portfolio, maybe take on a little more risk and go into shares or something like that. I have heard a lot about offset accounts and believe that I should have one possibly? I would like to get into shares at some stage and margin lending sounds good any ideas? Any ideas or thoughts would be greatlky appreciated thanks.