DIMEBAG, Take it over the last firty years the price of property has averaged up 10 pc pa in loose mathematical terms upwards or downwards but near enough. Let us presume you bought a house today with a thirty year term in mind as your old age pension fund for your retirement. You pay Thirty thousand deposit on a $300000 property and get an 8pc yeild at the start which is the yeild to strive for. After the first year the capital gain is $30000 equal to your initial deposit or 100pc on your investment less whatever cost it takes to keep up with the bills. After a couple of years the property will run at a profit, with an increase in returns with the capital gain increasing as the price rises. By refinancing and doing it over, and over you increase your wealth without adding another cent to it. I know people that do this, it is not complicated, and is a non risk way to getting rich. Leaves share trading for dead, but not as much fun. macdunk