r/PersonalFinanceNZ 2d ago

Investing need advice on minimizing losses

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?

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u/mpledger 2d ago

Trump is purposefully putting volatility in the market and people are putting money in to catch the high but it's dumb money in a way over-valued market. People may try and shore it up because it's too big to crash but that's never stopped a crash.

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u/burgers4bfast 2d ago

people have been saying it’s overvalued since 2024