Property has worked well for Andy so far. The question is whether it’s still the best path forward. In this case study episode, Dave and Hayden sit down with listener Andy to unpack a real FIRE decision point.

They walk through his full financial picture and explore whether continuing to leverage into property or shifting toward shares makes more sense for reaching long-term passive income.

In this episode they cover:

👉 Andy’s current position across property, ETFs, cash, and super

👉 The trade-offs between buying another property or diversifying into shares

👉 How much portfolio value is needed to generate $100k in passive income

👉 Why net yields and cash flow matter more than headline growth

👉 The risks of leverage and concentration

👉 How diversification can reduce risk and volatility

👉 Aligning investment strategy with long-term lifestyle goals and risk tolerance

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Pearler

Strong Money Australia

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Disclaimer

Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.

Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide

If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

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60. FI case study: Should Andy buy a 4th IP or diversify into ETFs?

Aussie FIRE | Financial Independence Retire Early