Investment returns

The Investor 6 June 2006

Bigger and better houses distort numbers. Readers keep sending in thought-provoking letters about the shares v rental property debate. It’s central to the question of how to invest long-term savings, so it’s worth continuing to explore the issues. Today, excerpts from two letters: “Your reader who commented on comparisons between housing price indexes and share market indexes has overlooked many points. Sometimes very large amounts are spent on home improvements without being considered when calculating house price increases. “With new houses, a trend for larger houses and obviously the higher cost for more square feet will also distort the figures to indicate asset value growth where there is none.

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The Investor 9 May 2006

Index distortion not what it seems. A reader’s point about the ongoing shares v houses debate sounds fair enough. “Your comparisons do not compare like with like,” he writes, “because you are using an index for shares, which only covers some companies, whereas for housing, you are using the average over all houses.”

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The Investor 25 April 2006

Shares easier than reader thinks. It’s like a red rag to a bull. A paragraph in a reader’s email started, “Without getting into the share v property argument…” But why not get into it? After all, it’s at the very heart of most New Zealanders’ thinking about long-term investment. The reader, a mortgage broker, goes on to say, “I believe it is good for people to have a dabble in shares with spare cash but use property as their main retirement plan, even if they go hard out paying off just one rental property.

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