Philippine Real Estate vs. S&P 500: The Ultimate Investment Battle! Is My BGC Condo Worth It?
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- Опубліковано 22 сер 2024
- We've talked about investing in the S&P 500 on this channel since it's proven to have the best track record over decades in terms of returns. On the other hand, there is still the lure of the Holy Grail of investing: REAL ESTATE! Real Estate is often touted as the sure ticket to fortunes. I myself, have been paying off a condominium unit in BGC in the past 10-years. Having this data on the S&P 500 and comparing this to what I've actually invested in my BGC, I am computing for and comparing the actual returns. Which investment is better? Is the S&P 500 a better investment? Or is it real estate, my BGC unit? While I know you may have your biases and preference as to which is the better investment, you'd be surprised to know that the results are actually quite comparable... I myself am shocked that these results are so near one another!
I've crunched the numbers on which Philippine bank's S&P 500 UITF would have given you the best returns based on the last 10-years and plugging in the most recent changes in their per annum trust fees. It's a duel between BDO, Metrobank, RCBC, Eastwest Bank, and BPI! Check-out this video: • S&P 500 In The Philipp...
To fully monetize your real estate investment, it all boils down to rental income. But what rental terms actual work best and have the most fruitful returns? I've covered this in a video a few years ago about Airbnb Short Term Rentals vs Long Term Rentals. Which fits you? You can check out here: • AIRBNB Short Term vs. ...
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With a saturated condo market with thousands of sellers & the asking price of top developers now reaching 400t/sqm there is not much room anymore for its price to appreciate. BGC & Makati asking price are now one of the most expensive in the world based on a /SQM basis.
Both are good. The bad thing about real estate is that it has real maintenance cost and depreciation. Paper assets have no personal maintenance cost and only phantom depreciation.
Purely on returns and simplicity, paper assets seem like the easy preference! Of course it's an all-time high right now so it's easy for me to say that
I first saw your channel watching s&p500 explanation .and now i saw this video. And i get started to subscribe because i know na mababago ang buhay ko sa panonood sa mga kagaya mo Sir
Watching here feom hongkong
Thank you for the trust 🙏 wish you all the best!
It is best to have both investment in RE and stocks! No need to choose one. Be diversified
Definitely
Hi Zigging, I believe it's also important to consider additional costs, such as rent expenses if you don't own your condo.
Goodluck selling a BGC condo at market price especially if it doesn't have a parking spot. You'll be competing with brand new condos with more affordable (not necessarily good) payment terms. Don't forget that you will also lose money on capital gains tax and exchange rate.
Exactly
I agree, my aunt is trying to sell hers but to no luck. It’s been a year now.
Very helpful analysis! Many thanks, Mark
Mas better if kaya both, medyo heavy si Condo at first but make sure lang before buying may lump sump cash kanang 30-50% of the total value before buying serves as a jumpstart, para hindi mamroblma sa monthly at maliit nalang ang eloloan, once fully paid.. more on passive income na just set aside budget for expenses, taxesetc.. for S&P may fees din once u buy and sell, pero depende talaga sa market 😅 ok nadin may investment dun para maka leverage din if maganda market
I like snp500 but I love real estate. I like being able to do the work and be in the control. If you need money for something you should be 'saving' some of the money and not sell your asset when things go wrong. This will at least make you more self aware.
Thanks for sharing! Very informative for people like me!
Happy to help!
great breakdown
Nice video sir! Very informative. I hope you have the time to make a video din about the best ways to build Emergency Fund for young guys like me.
Thank you, Mark
🙏
Hi Mark,
I actually live in the US in Michigan but I have been to the Philippines and I think it’s a wonderful country.
I really enjoy your videos and I wanted to get your opinion on gold and silver coin investing long term in the Philippines. After watching many of your videos I can say that you are a very talented businessman who really understands the financial markets and the real estate market. That is why I decided to write this message and I would be very interested in your opinion. Who knows maybe one day we could do a partnership deal. I hope to hear from you soon.
Thank you,
Henry
Tbh, I know little on gold and silver investing especially in coin form. Many would trade as CFD's but for the long term and in coin form, I think it's definitely worth considering too. It's a hedge versus the current crypto craze.
Hi Mark,
Thank you for your response.
I hope that all people in Philippines start to watch your UA-cam channel because you have very good content and the information you provide is very valuable and important especially for young people.
Sir, question can review the cebuana new stock option is it worth it
Hello po. Ask lang po sana ako. I am already on my 10months of paying the equity of a condo unit. But due to some personal circumstance, hindi ko na po sya kaya mapagpatuloy. Plan ko po na hindi na magpatuloy na kunin yung condo. Possible po kaya yun? Thank you po.
Yes, usually you will lose everything that you've paid if you decide that
Never invest in BGC or any condominiums anywhere in the Philippines. It's all mostly non owner occupied units rented out as airbnb with masses over saturation, competition and low rates of return. New projects are at inflated prices with creative financing and ballon payments. Views are obstructed and blocked with little to no open space. Aside from Nuvali, open space allocations are few and far between. Municipalities just want the property tax revenue and nothing else. Appreciation isn't going ro happen with new developments springing up everywhere and functional obsolescence the norm. Unless you have clear unobstructed view of the ocean or at a new Manila subway station walking distance, just pass.
Real estate but not condo. Been in stocks and forex trading both local and abroad but not that rewarding compare to cement and glass.
The tangible, rewarding part of it is hard to put a value on!
You did-not buy a condo. You bought a 25 year leas on a condo. When do you have to hand the keys back????????????????
Both investments are good depends on how eager you are to make more ROI
Investing in an S&P 500 can instantly diversify your portfolio and is generally considered less risky.
It is always easy to talk about longterm investments. The question is how do you determine investments that will be worthwhile in the future
Bitcoin is the best assest more than a decade I guess .
Hello, I own a property in the city. Any advise how can I build a condo bldg? Thank you
You can probably partner with a developer and earn via a revenue share model
@@ZiggingbyMarkSigg Any recommendations my good sir?
I only personally know of one. Please fill out visit bit.ly/zigabnbc for me to be able to get your details (I know this is my Airbnb form but for lack of a form for this rare instance, I hope this will do)
How can i get in touch with you? Interested on your services for management of my properties for rental.
Please visit bit.ly/zigabnbc so that I can contact you directly
Hi Mark what fund is exactly in BDO investing in SP500
iShares Core S&p 500 ETF
Sir pwede po preview maya stocks?
how about after taxes po sa index fund? how much ang take home sir mark? thank you
Bank products are already taxed so listed reflected value is as is
@@ZiggingbyMarkSigg thank you