Hi everyone, I have been lurking on this forum for awhile & have finally decided to post. Your insights on this question will be much appreciated: I am in my mid-20s, self-employed, with an income of approx 50K p.a., have just paid off my HECs & have 20K to invest. What to do at this point in time? I am leaning towards shares via a managed fund with the help of a margin loan. Thanks in advance!