The Property Academy Podcast How to set up your money so you can QUIT WORK forever (The Nest Egg Strategy Explained)⎥Ep. 2007
Mar 10, 2025
A deep dive into the Nest Egg retirement strategy for property investors. They cover the two-account setup you need and how staged property sales can stretch your capital. Practical steps for reinvesting sale proceeds and arranging systematic withdrawals are explained. Risks of leveraged property and how to work with investment and mortgage advisers are discussed.
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Retirement Is Spending Down A Nest Egg
- Retirement is essentially spending down accumulated capital while topping up a baseline income like NZ Superannuation.
- The nest egg frames this as investing a lump sum and withdrawing an inflation-adjusted amount each year.
Use Two Accounts: Lifestyle And Capital
- Set up two accounts: a lifestyle account for spending and a capital (nest egg) account for invested funds.
- Keep the bulk invested and withdraw only what you need each year to top up your lifestyle account.
Hire An Investment Adviser For Withdrawals
- Work with an investment adviser to invest your nest egg into a suitable mix of managed funds, shares and term deposits.
- Ask the adviser to make scheduled withdrawals each year to meet your spending needs.