11 Aug 2026

The Right Property to Buy at Every Age (20s to 70s)

About this episode

A 25-year-old and a 65-year-old shouldn't buy the same property. But some Kiwis never change their strategy as they get older. So what should you actually be buying at each stage of life?

In this episode, Ed and Andrew walk through the right property play for every decade, from your 20s to your 70s.

You'll learn:

Why your age and time horizon should shape what you buy
The shift from chasing growth to chasing cashflow, and when to make it
The decade where lifestyle creep quietly costs you the most

These are guides, not rules ... but knowing your stage could change your very next purchase.

Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

Related podcasts in this series

10 Aug 2026
The 3-Step Plan to Kill $59,000 of Debt in 9 Months
Being in debt isn't just a maths problem. It's an emotional one. So if the balances feel overwhelming, where do you actually start?
In this episode, Ed and Andrew unpack why debt is more emotional than logical, and the simple steps that actually get you out.
You'll learn:
- Why shame keeps so many people stuck, and how to break it
- Snowball vs avalanche, and which one does the research say to start with
- Where to find the best debt help in New Zealand, for free
You can't fix a number you refuse to look at. Facing it is the hardest step ... and the one that changes everything.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
The 3-Step Plan to Kill $59,000 of Debt in 9 Months
9 Aug 2026
How I Would Invest on an AVERAGE NZ SALARY
Ronald Read pumped petrol and swept floors in small-town Vermont. He drove an old car and held his coat together with a safety pin. Nobody had a clue that when he died, he'd leave behind about US$8 million. So how would you do the same on an average Kiwi salary?
In this episode, Ed and Andrew map out exactly how they'd invest on a typical household income.
You'll learn:
- How to face the truth about your money
- The automatic system that decides where every dollar goes
- How to invest across both shares and property, even on an average wage
You don't need a big income to build real wealth. You need a plan ... and the discipline to actually start.
And you can download your copy of the Opes Money On A Page spreadsheet here.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
How I Would Invest on an AVERAGE NZ SALARY
8 Aug 2026
He Started with $6,000. Now He Has 60+ Tenants (And Quit His Job!)
Kerry started back in 2006 with a $6,000 deposit pulled from a credit card. Today, he's aiming for 100 tenancies. So how do you scale that far ... and still keep it a lifestyle?
In this Case Study Sunday revisit, Kerry catches us up on his boarding houses, his latest projects, and the lifestyle it's all built to fund.
You'll learn:
- How this investor turned an abandoned doer-upper into a fully rented 9-bedroom place
- Why it took him 10 years to buy one house
- How he plans to get 100 sets of tenants
For Kerry, the goal was never just more properties. It was the freedom they buy.Want to share your story on Case Study Sunday? Send us a message, email ed@opespartners.co.nz
Listen to the previous Case Study that Kerry joined us on from 2024 here
And if you are keen on joining the NZPIF 2026 Conference, check out the details here
Inspired by today's case study? Find out if you can afford an investment property with our quick quiz.
He Started with $6,000. Now He Has 60+ Tenants (And Quit His Job!)
7 Aug 2026
How to Invest in Property on One Income – 5 Real Kiwi Stories
When Oliver was 23, earning about $60k, he bought a $728,000 first home in Tauranga ... on his own. The catch? The mortgage, rates and insurance nearly ate his whole salary.
So, can you really invest in property on one income?
In this episode, Ed and Andrew share real Kiwi case studies of solo buyers and exactly what it takes to make it work.
You'll learn:
- How much income do you actually need to buy on your own
- Why the deposit, not the mortgage, is the real hurdle
- The risks of going solo, and how to stack the deck in your favour
About 40% of Kiwis aren't in a relationship ... and plenty of them are still buying. Here's how they do it.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
How to Invest in Property on One Income – 5 Real Kiwi Stories

The Right Property to Buy at Every Age (20s to 70s)

About this episode

The 3-Step Plan to Kill $59,000 of Debt in 9 Months

How I Would Invest on an AVERAGE NZ SALARY

He Started with $6,000. Now He Has 60+ Tenants (And Quit His Job!)

How to Invest in Property on One Income – 5 Real Kiwi Stories