Stephen Knight

speaker

16,599 appearances 112 recordings 2 series first heard Sep 2019 last heard yesterday

Stephen Knight’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 111 in all, peaking in Aug 2026 with 32.

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The Property Academy Podcast · If a Rental Doesn’t Pass This “Test,” Don’t Buy It · 21 Sep 2026 podcast

investments at all and and move towards improving your financial future. voice-verified

I mean, what's another example though of the what if I'm wrong test? voice-verified

The truth of the matter is that there can be long periods where property prices don't move at all, and then they boom and they catch up, and then you get that average out at 5 or 6% or 4% per year, whatever it happens to be. voice-verified

But you've got to be prepared that there are gonna be some flat years as well. voice-verified

And another example of the what if I'm wrong test that I sometimes think about is well, what if. voice-verified

house prices don't go up by what they have in the past? voice-verified

What if in the past house prices have gone up by six percent per year on average, and it's not that in the future? voice-verified

Well, the other thing you'd have to do as well, if you stress test one asset class with really conservative assumptions, you want to make sure that you're applying that evenly when you're thinking about all of your various asset classes. voice-verified

So what you wouldn't want to do is say, Okay, I'm gonna be really conservative with shares. voice-verified

I think that I'm gonna buy shares and they're only gonna go up by five percent per year, even though they might have average. voice-verified

At about 8.5% per year over the last 30 years. voice-verified

But I'm going to be really conservative on shares. voice-verified

But nah property, I think it's going to be 6 or 7%. voice-verified

I'm just going to use what it's been in the past. voice-verified

Well, now you're not comparing apples with apples because you're trying to be really conservative on managed funds and not conservative at all on property. voice-verified

And the reverse is true as well. voice-verified

You wouldn't want to say, okay, I'm going to be run property on really conservative. voice-verified

Conservative numbers. voice-verified

And then I'm going to say, oh, but shares have done 13% over the last 10 years. voice-verified

I'll go do that as well. voice-verified

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