Hi Everyone, I'm new to this forum and this is my first post so can't help but feeling a bit nervous . However, I have been reading some of the threads and find that there are quite a few experts and knowledgable people who gave pretty good advices. Therefore I hope that I can get some advices for our investment situation, any feedbacks are much appreciated. Below is our situation: 1. We own our own home which worths around 960K conservatively. 2. Own a rental unit around $300K (mortgage free) - rental return $265/week 3. A rental house around $530K (mortgaged $300K) - rental return $275/week (note: the house is old and small but the land is ~880 sqm. Hoping the zoning will be changed from 2B to 2C) 4. A 1BR serviced apartment around $290K (mortgaged $300K) - rental return $340/week 5. managed Funds ~ $12K 6. Shares ~ $20K 7. Overseas investments (loan $400K) return 15%/pa 8. Our monthly income (incl wages, rental and investments ~ $20K) Questions: 1. We are thinking of selling the rental house (low rental return) and serviced aparments (no capital growth) to invest in something else. Do you think this is a good idea? 2. We would like to use the equity to invest in something like shares/management funds or even properties. However, we would like to invest some of these amounts in something that can produce cashflows to help us with the loan repayment. 3. Should we use the money from equity to invest in shares/mgt funds or use margin loan? (I have very little knowledge with margin loan and gearing) 4. We would like to fix some of the loans (say 600K) in LOC into 3yr fixed loan at 7.77%. Is it a good idea? I hope this is not too confusing. Thanks in advance for your advice! MM.