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The problem is, most people who say 'I'll wait for the market to drop before I buy' don't actually have any sort of % or dollar figure in mind as to when they will buy in. If anything, a sharp fall will cause them to stand FURTHER away because they will assume it's going to fall further. Alex

For example, if you build your portfolio to, say, 50% LVR (say 5m property, 2.5m loans), then you draw 4% a year (200k tax free) even if you have a couple of lean years your LVR won't creep up too much. Alex

The 'end state' of Rixter's CGA strategy is living off equity, as I understand it. So you have increasing debt but equity that's rising even faster. With that much equity you always have the option of selling and paying down some debt if you want. Alex

That's where combining property and shares becomes very powerful. Borrow from your IPs and invest in shares: leveraged share exposure with no margin call because your debt is a mortgage not a margin loan. Alex

I believe that by timing the market CORRECTLY, you can increase returns. However, I don't think I can time the market correctly, and returns can be negatively affected if you mess up the timing. If you're trading, aren't you really limiting yourself by only taking long positions? I'm also...

Feihong, I think you and I have very different approaches to shares. You view shares with a trading mentality. I go for pure buy and hold. I'm quite happy to buy a blue chip share, turn on the dividend reinvestment plan and just let it sit there for years. My point with the thread is that you...

And shares can't be purchased below 'true' value? Isn't that what stock picking is all about? I'm not really talking value-adding to properties: just buy and hold. I'm not a trader, though I have experience observing it. Dollar cost averaging is hardly mentioned with property, precisely...

I was reading this book that talked about time in the market v timing the market. Basically, it said that if you buy regularly (as you would when you contribute x% of your salary a year to your super) for these 4 types of markets, your results would be something like: 1) Falling market 500...