Asking for my 40yo-ish friend.
He has an investment property which is positively geared but he is struggling to pay his own PPOR mortgage. He said he has some savings to keep up but would be more comfortable if there is more money in his offset.
Fyi, the rental property is an apartment which doesn't attract much capital growth, but generates enough to pay for itself.
Another possibility is he put some in his offset as security, and some in high growth ETF.
In my opinion, he should hodl, because it is hard to buy property. Harder than buying shares. Although he could possibly makes less profit than ETF or even offset rate, but in the very long term he could win more. He could even downsize when the time is right of his kids can use them. On the other hand, property needs maintenance, dealing with tenants, agents, etc.
What do you think?
I don't see the problem when it is paying for itself. Maybe he needs to review his PPOR or attempt to find a job that comes with a pay rise?