37 - fully offset my apartment, now what?

[loo]

@parade_de_satie Fair point.

 

[098nick098]

@loo What did you purchase the apartment for and what’s it worth now?

 

[loo]

@098nick098 I doubt it’s gained much. I might ask a few agents to appraise it though I question their neutrality.

 

[098nick098]

@loo Why’s that? Is it a high density apartment?

 

[loo]

@098nick098 No, it’s just that agents have a tendency to overquote to entice you to begin the sale process with them. At the 11th hour they ‘temper’ your expectations.

 

[hselim]

@loo Option B for the win. It's a no brainer compared to the other options because the other options contain way too much risk, they are not worth it. Option C, apartments have stuff all capital growth because they lack land content. Option A, ETFs are too risky and overpriced in a bubble market. You could lose 30% in one month like in March 2020 or lose 60% over a longer period like the GFC with ETFs. Option B would never hurt you like the other options could.