Thanks for the tip re real estate. Big interest rate rises would stop me from investing in another property. If that were to happen and if commodities were to crash I think I'd just put all savings in continually into my offset account for my house mortgage, let it earn "interest by proxy" by decreasing my interest payments. I've crunched the numbers on having savings offset against your mortgage - big savings down the track if you don't spend it.

Who knows, if this sys takes off I might buy an investment property outright!!! (nah, wouldn't do that...!)