> because the best ROI has been in the property market.

That is not true. It seems like it is true because we can look at our parents and grandparents and see that the house they bought in 1980 for $300,000 is worth a million dollars now, but that's not a great return. It seems like it because they are millionaires, but you'd have been better off in bonds with a better return and a whole lot less risk.