End of love affair with property?

[specuvestor]

From a financial planning point of view our life is split 30-30-30 years, 30 years of "human capital investment", 30 years of accumulation and 30 years of retirement spending. Effectively what it means is every year of earnings is supposed to last us TWO years. Ironically this problem is brought about by longevity. It was less an issue in the past because it was more like 15-15-15 just a century ago.

i agree to the above to some extent. Isn't it the more one has to learn to invest well with whatever resources one can muster? Because how many among us can earn, "every year of earnings is supposed to last us TWO years"?
There is a saying, "If you don't have to take the risk, you don't have to invest. How true is it in real life?
So i and many people have no choice but to take the RISK.
Shalom.

Increasing risk without understanding return is a major fallacy of modern finance 101 that has been taught to the new cohorts. I have heard so many money managers chase beta and risk without considering returns, as they assume returns will come if they add risk. Risk and return are related but not absolutes, the paradigm is incorrect.

It is not just about income when we look at sustainability. It's also about expense.