I'm keen to increase my share portfolio which currently cosists of about $35k in managed funds (I've contributed at least $40k to it)....and about $3k worth of direct shares in BHP. Do you guys think now is a good time to get into margin loans?....the interest rate is a whopping 10%+. Though of course, you can claim that back right? With the upcoming tax end in June....what are the benefits of fixing and paying in advance. Should I be fixing or go variable?