CG or yield or balance after retirement

At different stage of ppty investment, people took different approach, some focused on CG, some focused on balanced approach as they need cash folllow to continue to serviced the loan.

i am wondering what's your thought on the final stage- the retirement, where you are very luckly have a very low loan to valuation ratio and you continue to hold serveral properties and have a very healthy yield. at this stage, would you consider to transform your portfolio into pure yield driven, or still consider a balanced approach where reasonable CG prospective is still part of your strategy? I guess at that stage, since you are no longer holding income, you are less likely to continue holding negatively geared IP purely for CG purpose?

 

Yield after retirement definitely. You need money coming in each month to fund your groceries, car, holidays, entertainment, butler, etc. This can come from shares, comm property, paid off resi property, etc.

Need CG to get to that point though, whether that be organically or manually contrived depends on your skills, circumstances, resources, timeframe etc.

I wrote about a 2 stage approach in Your Investment Property magazine.

 

High growth is my focus now. I plan to stop working at 70. So still a long way to go but yield after retirement for sure.