I’ve built a healthy share portfolio over the decades with leveraged debt. At present, I have $1.5 million in investment debt, and about $2.9 million in investment assets. What’s the rule of thumb for investment debt for retirees and pre-retirees? Loans are principal and interest to give me the necessary discipline to push them down. I expect to retire in three to five years’ time and have a healthy super balance that will use up all of my transfer balance cap.

Borrowing to invest in property attracts little thought, whereas borrowing to build a share portfolio is frequently depicted as a high-risk proposition, so I thank you for sharing a little of your journey here.

It’s wise to not want to be weighed down by debt as you head into retirement.Credit: Simon Letch

With regards carrying the debt into retirement, I would imagine you would want to get it at least neutrally geared, if not positively geared. It is probable........

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