Quote Originally Posted by DarkRed View Post
I have been an avid watcher of ST over the past year and only just starting to post. I have been learning some of the ropes with the sharemarket since I was 17 and started investing with CEN being my first purchase.

I am now 22 and after some advice from the seasoned pros please!

My situation now has changed with two rentals properties (80% financed) and between them they have a secured 30k flexi loan at 6% floating IR.
Over the years I have increased my share portfolio to include BHP CEN RYM and NZO funded by cash. Also held PRC : S

So my question: Do I start investing using my equity from my rental properties, I have invested 10k of it currently but should I expose myself more? should I be aiming for yields exceeding the IR or taking on higher risk and aiming for capital gains? NZX or ASX? I am young so I don't mind talking risks provided I can understand them.

If someone has some spare time I would love to hear stories from your investing experience. I live in Hamilton but often frequent Auckland and Wellington. I will shout the first few beers if anyone is keen!
Nice one DR, I followed a similar path.

Expect the unexpected, sharemarket crash, commercial tenacy failure, a drop in personal or business income. Good debt quickly becomes bad debt when you have to service it with other good debt cashflows.

Anyway welcome DR, I am sure you will get all your answers.

Main thing, have fun.