The army of small British property investors now taking on risk on a heroic scale will realize that an investment that costs more to own than it generates in income and stops rising in price is a bad idea. Almost unbelievably, many buy-to-let investors have bought property as an alternative to a pension plan. While surely property belongs in all pensions, the idea that a highly leveraged, totally undiversified asset should be relied upon for old age support is, well, aggressive.

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