After reading Steve's LoE articles, I thought I'd better stress test our fund returns with a 2% interest rate rise, and compare to leaving cash in a PPoR offset account. Current story is; Cash and LoC 50% Margin Loan I won't list all the funds here but Navra WS is 40% of portfolio Assuming 10% fund return Assuming 2% growth I think I've missed something, because it seems that after rates go up just over 1% (see attached spreadsheet), an offset saves the same amount? We are currently capitalising Margin Loan interest, but I have included 2 scenarios in the spreadsheet. Being new with fund investing, I appreciate any feedback and corrections!!