Property vs Stocks vs Pay Off Mortgage

What’s the smartest use of your next $100? Should you: ● Pay down your mortgage ● Invest in shares ● Or put that money into property? The problem is that most advice online comes from the US or UK — and the rules are different in New Zealand. In this video, Ed breaks down paying off debt vs stocks vs property, using NZ interest rates, tax rules, and real investor behaviour. In the next 15 minutes, you’ll learn: ● How each investment actually works (they’re not comparable in the way people think) ● The real after-tax returns of debt, shares, and property ● Why leverage makes property so powerful — and dangerous ● The hidden risks most investors ignore ● Which option makes sense at different stages of life This isn’t about hype or “one perfect answer”. It’s about understanding what each option is good at — and when it’s the wrong move. And if you want a personalised answer to “what should I do with my next dollar?”, you can book a free financial planning session with our advisers https://www.opespartners.co.nz/book-your-free-session-2?utm_campaign=nav-cta 00:00 Property vs Stocks vs Pay Off Mortgage 00:27 The Apple - Paying off debt 01:34 The Orange - Investing in stocks and shares 03:15 The Watermelon - Investing in property 04:46 Paying off debt - the simple guaranteed return 05:52 Shares - Higher returns, but with friction 06:30 Property - where leverage supercharges the watermelon 08:06 What are the returns? 08:25 What can actually go wrong? 12:30 So, which one should you pick? https://www.opespartners.co.nz/ https://www.instagram.com/opes_partners/ #propertyinvestment #shares #payingoffdebt Item License Code: EXYV4HUKF5 Opes Partners Comment Deletion Policy At Opes Partners, we encourage open discussion and respectful debate. If you disagree with us or our content, that’s totally fine – we won’t delete your comment. However, if your comment is mean-spirited, personal attacks, or targets our presenters, we will remove it. Our goal is to maintain a safe, supportive environment for everyone in our community. Let’s keep it respectful, constructive, and focused on growth.