It's still property investment, but unless you've done it before, it's not what you think it is. In an environment of lower returns on investment across many asset classes and property in particular, in order to get a good return, you have to factor in the expected capital gains. With residential property, there's generally a trade-off between getting a good yield (good rent relative to the value of the property), with expected capital gains. An Auckland 3 bedroom home may go up in value nicely over time, but a property in say Hamilton, may provide a better yield. Commercial property is different: The tenant usually pays for all outgoings You can influence the value more directly by improving the lease terms Access to lending is often a bit tighter, and more expensive Vacancies can last longer, but there could be more certainty with cash flow over time On the whole, there are more positives than negatives and it's a true-ism that residential property investors often 'grow up' to be commercial investors later on. I can see why. There is, however, a huge elephant in the warehouse here - the barriers to entry are higher with commercial. Not only do commercial properties often cost a lot more than residential, but if purchasing direct, you have to have a much higher deposit to even get a foot in the door. Jack and Brandon have a broad discussion with me around the benefits of commercial property as well as touch on some different ways you can partake in this investment: Direct, through a syndicate and through a fund (unlisted or listed). We've discussed listed property funds already on the show with Dean Anderson from Kernel and also with Di Papadopolous from Booster if you want to check that out also. This is a must-listen for anyone thinking of getting into a commercial property at some stage. Newland Burling, the company Jack and Brandon work for, also do a commercial property master class and it's a worthwhile exercise to head along - let them know you found them via this podcast. You won't get a deal but you'll be the teacher's pet! CHECK OUT FULL PODCAST ON WWW.NZEVERYDAYINVESTOR.COM Where to find Darcy Ungaro: Ungaro &Co (registered) financial advisers Facebook: https://www.facebook.com/UFinServ/?ref=bookmarks Instagram: https://www.instagram.com/ungaro.co.nz/ ... https://www.youtube.com/watch?v=wxdi0ArhNyo

How did I get here? Usually a Sunday morning question, but in this case - we're talking KiwiSaver, and how did you end up with the provider or in the fund that you're currently in? Making sure you're in the right fund with the right provider is hugely important if you intend to retire with choices. To find out what to look for, follow the link below and enroll in our free online course, The KiwiSaver Millionaire Roadmap https://bit.ly/3NOqcww ... https://www.youtube.com/watch?v=BM9dHREl7Fk

Future Generations: Taxing the Rich, Inflation Rates, and Interest Rates "Will they vote in favor of taxing the rich? Will they accept higher rates of inflation just because it's too hard to solve the problem? Or will they take the hard medicine that we seem to be unfit for taking today, which is higher interest rates for longer? Perhaps one of the biggest influences in stock market and property markets is the growth in money supply" It's important to get this right. #mortgages #rates #moneysupply #liquidity #property ... https://www.youtube.com/watch?v=V3E0nWehb9A

Will Central Bank Digital Currencies make mortgage rates cheaper in the future? For some people, maybe. Sign up to my fortnightly newsletter: https://bit.ly/3UT80UR #imperfecteconomics #notadvice ... https://www.youtube.com/watch?v=GgEPzMzV1e0