What percentage of your income tax return do you invest? What investment will you choose?

I don't invest any. By the time I get it I need to put some money into car maintenance or catch up on some other bills. The only thing I've invested in is accidental life insurance.... in case I die in an accident my daughter will have some money.

the more I do tax returns, the more I like the idea of off-shore tax shelters!

Hi,
The more the better I'd say - this money is pure cream on top of your yearly income so in theory you should be able to invest the whole lot. Offcourse people need to rest, relax etc. so a small portion spent on such perks is justified.
To help you with budgeting & investing I'd recommend a personal finance software by Australian business Parcus Group.
Easy to use program with features including budgeting, financial planning, real estate analysis, shares valuation, life insurance...
Costs US$24 or AU$29 so it's not a huge investment but absolutely great value for money.
You can get it on
http://www.parcusgroup.com/index.html
Regards

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