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Gearing - Borrowing to Invest
The following is a selection of articles and radio broadcasts mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.
RNZ Radio 11 May 2017
Investment risks - Part 2: too complicated, too much borrowing, not diversifying ...View - It's FREE!
RNZ Radio 2 February 2017
Is it wise to borrow to make a property or share investment?View - It's FREE!
NZ Herald 20 August 2016
Q&As: Borrowing to invest in shares raises risk - and rewards
RNZ Radio 21 April 2016
Good borrowing: How gearing boosts returns - and lossesView - It's FREE!
Radio NZ 11 February 2016
Why it's not easy to get rich quickView - It's FREE!
Radio NZ 29 October 2015
Investing in rental property - the pluses and minusesView - It's FREE!
NZ Herald 30 November 2013
Q&As: Should people be forced to put some of their KiwiSaver money into an annuity?
NZ Herald 23 November 2013
Q&As: Gear both or neither when comparing shares and property
NZ Herald 19 March 2011
Q&As: Should it take a bank three weeks to cut its mortgage rates?
Syndicated column 17 July 2010 - Getting into gear not always wise
The four most hateful words are said to be, "I told you so." So I'll put this another way: One of my key messages in seminars, books and columns over the years - that borrowing to invest is more dangerous than many people realise - is easier to "sell" these days than a couple of years ago.View - It's FREE!
NZ Herald September 6 2008
Q&As: Family of five should go with several different KiwiSaver providers to compare them.
NZ Herald August 30 2008
Q&As: A poem from the past shows how our attitudes to debt have changed. Will they change back again?
NZ Herald December 8 2007
Q&As: Why 20 shares are much better than two.
NZ Herald June 16 2007
Q&As: A big fan of property investing scares me with his lack of knowledge.
NZ Herald March 31 2007
Q&As: Have you got what it takes to borrow to invest in a share fund?
Syndicated column May 23 2006: Property backers underplay risk
Property backers seem to go in for hyperbole. Two examples from readers' letters:
Holm Truths autumn 06
Stuff and happiness: Buying things you don't really need
Syndicated column January 17 2006: Readers rally to back houses
It always happens. Whenever I write about investing in houses and shares in the same column, people say I'm unfairly negative about houses.
Holm Truths summer 05-06
Can you get rich quick?: Only by taking big risks
NZ Herald November 26 2005
Q&As: Woman in Australian shouldn't sell her house here.
Syndicated column November 15 2005: Borrowing is not all bad - it depends why we borrow
Reserve Bank Governor Alan Bollard has been telling us off because we keep raising our mortgage debt. But, from the individual's point of view, how bad is that? It depends on why we borrow.View - It's FREE!
NZ Herald November 12 2005
Q&As: The pros and cons of self employment and income splitting.
NZ Herald July 9 2005
Q&As: Is geared rental property right for everyone?
Syndicated column April 19 2006: The inherent differences between property and share investments
There's a fundamental difference between investing in shares and property, a reader says in an email.
NZ Herald April 16 2005
Q&As: Woman can get her dream property - if she makes some sacrifices.
Holm Truths autumn 05
Moving the goalposts: Working part-time in retirement makes a huge difference to how much you need to save
Syndicated column April 5 2005: Gearing can boost returns, but also risk
Gearing - which happens when you borrow to invest - comes at a price. And I'm not only talking about interest.
NZ Herald February 12 2005
Q&As: Should young person saving for a house buy now?
Holm Truths autumn 04
'His & Hers' investment styles - How gender affects the way we invest
Holm Truths winter 02
Getting into gear: Borrowing to invest makes a good investment better and a bad investment worse
Holm Truths autumn 01
Terms of enrichment: How long you want to tie up your money affects what you invest in.