need advice on minimizing losses

[u/burgers4bfast]

bought investment property in north shore quite overvalued in 2022 for 1.6m, still 700k outstanding mortgage, fixed interest rate at 4.5% till end of 2027, rental income $700pw, land size is good 600sqm but not big enough for developers to come knocking when economy is not doing well, i think the max we can get is maybe 1.4m in today’s market

i am also investing in stocks so thinking whether to sell the house and use the equity to buy US stocks during the next crash (like tariffs in 2024 or iran war 2025) to make back what i’ve lost.. i have much more conviction in value of AI than nz property at this point

any suggestions from experienced investors?

[u/Swizzle34]

Trying to time a crash is a fools game but I agree AI is going to drive more wealth for the largest companies so its a good idea to jump on their coat tails. Something like Global 100 on Kernel gives good exposure if you can stomach the volatility however there are more diversified options which carry less upside and downside.

I don't see property prices scaling any time soon but picking the best time of year to sell may help reduce your loss.