Wednesday, November 08, 2006

Gearing ratio?

I have done some reading on investing (as most of us do). The consensus approach is that while you are young (define young!?), individuals should gear as much as they can of their income. The rationale is - when you are young, you have less financial responsibilities (e.g. no family, no rates, school education fees, costs of living are reduced, etc.). In addition to this, if you are completely wiped out, then you have x years to re-build and re-accumulate wealth.

So if this is true, what is the ideal gearing ratio of someone my age - 31 years ... young. A gearing ratio being a simple fraction between what investments / capital are owned by me and what investments / capital are owned by the bank. The higher the gearing the more you have invested and the more return, or loss you can make.

Google gives no answer on this; indeed the entire blogosphere seems to be slightly deficient when it comes to financial advice blogs although I just found a blog from Australia and seems to have some good things to say - Enough Wealth.

Well, after some 'cleaning up', I am now sitting at 48.6%; that is, of every dollar I have invested 51% is mine and 49% is the banks! It would be interesting to hear what other people think, and I will have a bit more of read around to see.

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