Yes. You include them as part of either superannuation, if held in super, or as a non-super investment. You can also include any debt against these investments. Investfit will include the cost of this debt and the benefits of negative gearing, as they may apply depending on current earnings and tax threshold. The program also allows for land tax in net property returns. Investfit assumes that any direct property held as an investment is sold and the debt paid off upon retirement. The residual capital is re-invested in LPTs that can be sold down over time.