The real reason your portfolio isn't growing – and no, it's not the economy

Most investors blame the economy for slow growth – but the real problem is poor strategy, misunderstood borrowing power, and holding the wrong assets for too long. On The Smart Property Investment Show, host Liam Garman sits down with Arjun Paliwal, CEO of InvestorKit, to discuss why macro fear is distracting investors from the decisions that actually drive portfolio growth. Paliwal argues that while many wait for rates to fall, top investors focus on micro-decisions – the small moves that improve borrowing capacity and unlock momentum now. He reveals how overlooked factors, such as credit limits and living expenses, quietly restrict how far investors can scale. The duo also breaks down why holding the wrong property can stall growth and how strategic selling can free up capital and accelerate portfolio growth. According to Garman and Paliwal, the takeaway is simple: property itself isn't the strategy; it's how you use it that determines whether you grow or stay stuck. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.