I'm an amateur with a portfolio of 370k and I've got some real estate holdings too, but it's hard for me to build confidence. I want to invest another 70k over a one month span, but I want to be strategic about doing it so I can grow more and not stay stagnant. Any stock suggestions?
Not offering any particular advice, but I can assure you that it's not as hard as many people think it is. Ordinary investors lack the requisite level of diligence, so having a financial advisor on board is usually highly beneficial. In the market, this is how people generate enormous profits.
I agree. There's a lot of potential in the market. My friend introduced me to a financial advisor in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey.
That's really great. I've tried doing some research myself to hire a financial advisor, but it's really overwhelming. Could you recommend who you work with, please?
I am 22 years old, lost my dad about half a year ago and I am going to receive some money soon. Would it be smart to grow my money in stocks for a few years while I am in college and then invest in rental properties afterwards, or should I go for real estate investing first?
I would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for" "Expert solutions require Expert providers" - my mantra
Agreed, investing with the help of an advisor set me up for life. Retired with about $1.6m in stock portfolio only. I worked hard everyday as a teacher for 32 years, and my salary was over 100k annually. Supplementing my income with stocks and alternative investments helped me achieve early retirement.
@@beautifulpeoplealways I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Annette Louise Connors is the licensed advisor I use. Just google the name and you'd find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, curiously inputted Annette Louise Connors on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
Stocks are totally passive. Real estate no. Holding stocks cost you nothing. Owning real estate the only sure thing are the expenses. The real estate income is not guaranteed the expenses yes. Overall stocks are better because they are liquid. Selling real estate at market value can be a lengthy process and a huge headache.
I own 3 rentals and 1 primary, and I self manage all of them. In the past year, i had around 2500 in repairs. And every year seems to amount arround the same or less and some years nothing. Call it management fees if it where stocks. Big thing is I get to write it off on taxes, and then I also depreciate the assets along with my 1099 contract position against my W2 which ends up lowering my tax bill almost $50k and when I die I pass off a payed off property or nearly paid off to my kids at a step up basis. My taxes die with me. You can't do these things as greatly with stocks. I started in 2018 in realestate with $25k-+ and today I hold a 1.3 million dollar portfolio that pays itself off for me through OPM and I have huge tax benefits. Let alone appreciation of 3.5-4.5%annually through natural appreciation and or devaluing of the dollar and you have to me what seems to be way better than any stock portfolio. The only stocks I have are custodial accounts for my kids and my 403b at work only beciase of the match of 4.5% other than that im all realestate on a small but mighty scale.
Here is my analysis: A surrogate for real estate is VNQ, Vanguard REIT USA market based. Compare to VTI, Vanguard Total Index, a surrogate for the USA stock market. Over the last 5 years, VTI is up 17x compared to VNQ. Over the life of the fund, VTI outperforms VNQ by 4x. I am discounting buying and renting out individual real estate, that is real work. IMO, the USA Stock Market = TINA.
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Sophia Maurine Lanting for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I’ve regretted every property I’ve sold. You don’t have to sell your property to cash out. Just refinance tax free. I refinanced 4 of my properties back in 2021 3.65% 30 yrs fix. Over $1 million tax free. I still have the assets. I’ve made money in real estate and lost it in the stock market. The lesson, I stick to what I know. With all this high frequency trading, market insider; with the stock market I feel like a sucker.
I love the stock msrket so thats my bias.I focus on CEFS,CLOS,MLPS and REITS for real estate exposure.Also sell OTM options.Just do what excites you and thats the best for you. Happy investing/stacking.
The better part of stock investment is that you can make partial transactions. Nobody would know when is peak and when is trough but most of investors can sense that when is overbought and when is oversold. According to your own valuation guidelines and stick to it, you can actively adjust your exposure and get decent returns.
Awesome video! I was blown away by the recent economic data! There seems to be uncertainty over inflation and the U.S. stock market is at a crucial crossroads. Despite growing concerns among investors, the economy shows signs of resilience which could help Bitcoin remain stable. Interestingly, the crypto market, which is usually correlated with the U.S. stock market, has been moving in the opposite direction. BTC and the Nasdaq are currently bouncing back. However, with the sentiment changing fast now is the perfect time to get into the crypto market..... I have managed to grow a nest egg of around 100k to a decent 732k in the space of a few months... I'm especially grateful to Adriana Jensen, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
Great debate guys! I was hoping there would've been some discussion about fractional investing in real estate and how it compares to traditional real estate investing.
The real estate guy keeps mentioning about using leverage in real estate investment, however, he doesn't provide any info regarding the cost of using leverage, AKA, interest, especially when rates are high. Stock guys didn't say anything about using leverage when trading stocks either. You can basically simulate a stock portfolio using options and adjust the leverage amount based on your risk tolerance and market conditions for a tiny amount of fees compared to what you have to do using real estate.
Oh brother. You use both. They have different use cases. Real estate is cash flow. Stocks are for value appreciation. Arguing for one or the other makes about as much sense as saying a spoon is better than a knife.
10% is not good enough when currency debasement inflation is 10% and regular inflation is 3% so the hurdle is 13%. If you’re not making at least 15% then it’s not worth it
They skirted leverage in the stock market entirely, calling it dumb. But let's break it down ... Margins can cause you to be a forced seller in a bad market, so I agree it is dumb. Options are usually short-term positions and if they don't perform within that time, they expire with a total loss. So I'll agree to call that dumb too. But leveraged ETFs don't have either of those attributes. QQQ has returned 14.5% annual returns for me for 22 years, and TQQQ can return 3x that! And unlike leverage on real estate, you don't have to qualify for a loan, there is no interest payment, and the 3x leverage factor doesn't reduce over time as it does with real estate with amortization. I've invested in stocks and real estate for over two decades, and though both assets provide cash flow and appreciation, for me stocks have outperformed RE in appreciation, and RE outperformed stocks in cash flow.
Leveraged ETFs are interesting. But using leverage against you home to buy shares provides the RE leverage and the return of shares, without things like the TQQQ that reset every day.
@@poonekar 9%?!! Tell your bank/broker that you want a HELOC for a house renovation, maybe the rate will be lower. Then invest it! Only worth it if you can tax deduct that HELOC against your income. In my country (Australia), debt recycling makes a lot of sense as mortgages are large and marginal tax rates are large (45%). Mortgage interest isn’t tax deductible but investment loans are. I debt recycle. That is when I save up cash that I want to invest, I first pay off my mortgage with that amount, then reset my mortgage repayments to a lower min amount, then increase my investment loan to an equal amount that I paid off the mortgage. This mean that I have 2 loans against the property, one is mortgage at 6.2% principle and interest repayments, one is investment loan at 6.6% interest only. The 6.6% is tax deductible against 45% tax rate, meaning effectively it’s 3.63%. The tax law for me requires that the shares I buy pay a dividend in order for the interest to be tax deductible. The tax law may be different in the US with this.
I am a big fan of using leverage using options, but you have shared a lot of wrong info in your post. Options are not necessarily short term positions, especially if you're an option seller. Because not only you don't need to wait for the expiry, but also you will like the expiry to come earlier. This is a complex topic. I can talk about it days and nights. Your second statement about leverage ETFs is also wrong. Indeed TQQQ comes with fees. You just don't see that when it goes in your favor as much. But when Nasdaq 100 moves in side ways or when it goes lower, you will incur a major loss in a long run. Try to google for: "what's the drag in 3x leveraged ETFs"
One of real estate's biggest advantages is the ability to use leverage, which can multiply your returns. For example, with a down payment of 20%, you're controlling an asset worth five times your initial investment. If property values increase significantly, this leverage can result in outsized gains. However, leverage also amplifies losses, and interest rates can impact your profitability.
Stocks, particularly those with high growth potential, can see exponential growth over time due to the power of compounding. Reinvesting dividends or capital gains can further accelerate this growth. While volatility is a concern, compounding over the long term often leads to much greater returns, especially if you identify high-growth companies early.
Both markets have cycles, but they differ in speed and intensity. The stock market can see rapid 10X gains during bull markets or within specific high-growth industries, but it can also experience sharp corrections. Real estate cycles tend to be slower and more predictable, with less volatility, though a housing crash can still wipe out significant value.
The stock market offers easier diversification across industries, geographies, and asset types, reducing the risk of any single investment going to zero. Real estate, while stable, often requires significant capital, and it's harder to diversify. Additionally, real estate investments are more exposed to local factors like zoning laws or neighborhood trends, which could either boost or hurt your returns.
Both real estate and stocks can serve as hedges against inflation, but in different ways. Real estate values typically rise with inflation, and rental income can increase in inflationary environments, preserving purchasing power. Stocks, especially those in sectors like energy or consumer goods, can also benefit, as companies pass higher costs onto consumers.
One of the stock market’s biggest advantages over real estate is liquidity. You can easily buy and sell stocks with the click of a button, allowing you to quickly pivot based on market conditions. Real estate is far less liquid, often taking months to sell a property, and transaction costs like realtor fees and closing costs can eat into your returns.
Real Estate is anything but passive it takes a bunch of hidden work! Clogs, maintenance both schedule and unscheduled! AC/Heating, plumbing issues when tenants leave and destroy your property! It's a nightmare! Better of buying ETFs Stock Market all the way!
Stocks. Only reason RE makes sense is because of leverage. If someone has a house they live in and available equity, using the leverage that RE provides but the investment quality of stocks, it’s not even close. Even without leverage or a smaller amount of leverage, over 20 years, stocks are a no brainer. Wish I knew this before investing in property instead of stocks
Stay away from Real Estate it's a bunch of work and takes a lot of money! Taxes, Insurance, maintenance, non paying renters, big ticket items roofs, heating and cooling system, plumbing and the list goes on and on! Stocks have never ever called me for replacing or repairs! SCHD pays me every quarter and JEPQ pays me monthly! VGT growth is insane and I yet to hear one call for help! Sold all my properties and replaced them for SCHD/VGT/ JEPQ and VOO!
I’m 35 and I have about $250k liquid in savings which I plan to put towards becoming a homeowner but based on the current high prices on real estate, do you suggest I hold from buying or do stocks for now?
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Lucia Alicia Cruz is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
The fact that there is already an excessive amount of demand awaiting its absorption, despite how everyone is frightened and calling the crash, is another reason why it is less likely to occur that way. 2008 saw no one, at least not the broad public, making this forecast, as I'll explain below. The ownership rate was noted to have peaked in 2004 in the other comment. Having previously peaked in the second quarter of 2020, we are currently at the median level. Between 2008 and 2012, it dropped by 3%, and by the second quarter of 2020, it had dropped from 68 to 65.
Investing in both real estate and stocks can be prudent choices, particularly when backed by a robust trading strategy that can navigate you through prosperous periods.
You're not doing anything wrong; the problem is that you don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.
@@williamDonaldson432 Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Annette Marie Holt for about 3 years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I invested equal amounts in stocks/real estate in 2009. The real estate produced good cash flow and appreciation for 15 years. The stocks have given good liquidity to use. Now 15 years later the total wealth creation is about equal to the work associated with the real estate is 100x or more. The sleepless nights from stocks was much much higher. I’m currently selling off my real estate and there are some ways to minimize taxes through Charitable Trusts. Both have been excellent over time
I'm an amateur with a portfolio of 370k and I've got some real estate holdings too, but it's hard for me to build confidence. I want to invest another 70k over a one month span, but I want to be strategic about doing it so I can grow more and not stay stagnant. Any stock suggestions?
Not offering any particular advice, but I can assure you that it's not as hard as many people think it is. Ordinary investors lack the requisite level of diligence, so having a financial advisor on board is usually highly beneficial. In the market, this is how people generate enormous profits.
I agree. There's a lot of potential in the market. My friend introduced me to a financial advisor in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey.
That's really great. I've tried doing some research myself to hire a financial advisor, but it's really overwhelming. Could you recommend who you work with, please?
Melissa Elise Robinsin is the licensed advisor I use. Just research the name. You’ll find necessary details to work with to set up an appointment.
Thank you for the recommendation. I'll send her an email and I hope I'm able to connect with her.
I am 22 years old, lost my dad about half a year ago and I am going to receive some money soon. Would it be smart to grow my money in stocks for a few years while I am in college and then invest in rental properties afterwards, or should I go for real estate investing first?
I would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for" "Expert solutions require Expert providers" - my mantra
Agreed, investing with the help of an advisor set me up for life. Retired with about $1.6m in stock portfolio only. I worked hard everyday as a teacher for 32 years, and my salary was over 100k annually. Supplementing my income with stocks and alternative investments helped me achieve early retirement.
@@beautifulpeoplealways I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Annette Louise Connors is the licensed advisor I use. Just google the name and you'd find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, curiously inputted Annette Louise Connors on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
Stocks are totally passive. Real estate no.
Holding stocks cost you nothing. Owning real estate the only sure thing are the expenses. The real estate income is not guaranteed the expenses yes.
Overall stocks are better because they are liquid. Selling real estate at market value can be a lengthy process and a huge headache.
I own 3 rentals and 1 primary, and I self manage all of them. In the past year, i had around 2500 in repairs. And every year seems to amount arround the same or less and some years nothing. Call it management fees if it where stocks. Big thing is I get to write it off on taxes, and then I also depreciate the assets along with my 1099 contract position against my W2 which ends up lowering my tax bill almost $50k and when I die I pass off a payed off property or nearly paid off to my kids at a step up basis. My taxes die with me. You can't do these things as greatly with stocks. I started in 2018 in realestate with $25k-+ and today I hold a 1.3 million dollar portfolio that pays itself off for me through OPM and I have huge tax benefits. Let alone appreciation of 3.5-4.5%annually through natural appreciation and or devaluing of the dollar and you have to me what seems to be way better than any stock portfolio. The only stocks I have are custodial accounts for my kids and my 403b at work only beciase of the match of 4.5% other than that im all realestate on a small but mighty scale.
Here is my analysis: A surrogate for real estate is VNQ, Vanguard REIT USA market based. Compare to VTI, Vanguard Total Index, a surrogate for the USA stock market. Over the last 5 years, VTI is up 17x compared to VNQ. Over the life of the fund, VTI outperforms VNQ by 4x. I am discounting buying and renting out individual real estate, that is real work. IMO, the USA Stock Market = TINA.
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Could you kindly elaborate on the advisor's background and qualifications?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Sophia Maurine Lanting for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
I’ve regretted every property I’ve sold. You don’t have to sell your property to cash out. Just refinance tax free. I refinanced 4 of my properties back in 2021 3.65% 30 yrs fix. Over $1 million tax free. I still have the assets. I’ve made money in real estate and lost it in the stock market. The lesson, I stick to what I know. With all this high frequency trading, market insider; with the stock market I feel like a sucker.
I invested 1 million in the S&P500 in 2004. Today it’s worth 9 million. Real estate is not passive.
I love the stock msrket so thats my bias.I focus on CEFS,CLOS,MLPS and REITS for real estate exposure.Also sell OTM options.Just do what excites you and thats the best for you.
Happy investing/stacking.
The better part of stock investment is that you can make partial transactions. Nobody would know when is peak and when is trough but most of investors can sense that when is overbought and when is oversold. According to your own valuation guidelines and stick to it, you can actively adjust your exposure and get decent returns.
Awesome video! I was blown away by the recent economic data! There seems to be uncertainty over inflation and the U.S. stock market is at a crucial crossroads. Despite growing concerns among investors, the economy shows signs of resilience which could help Bitcoin remain stable. Interestingly, the crypto market, which is usually correlated with the U.S. stock market, has been moving in the opposite direction. BTC and the Nasdaq are currently bouncing back. However, with the sentiment changing fast now is the perfect time to get into the crypto market..... I have managed to grow a nest egg of around 100k to a decent 732k in the space of a few months... I'm especially grateful to Adriana Jensen, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
Thanks for keeping it light and real at the same time. Much needed for us traders in times like these!
This is why it is advisable to connect with a true market strategist in order to avoid missing such opportunity and maintain steady gains.
The internet is filled. with so many useful information. about Adriana Jensen.
Thanks for keeping it light and real at the same time. Much needed for us traders in times like these!
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
Great debate guys! I was hoping there would've been some discussion about fractional investing in real estate and how it compares to traditional real estate investing.
That’ll definitely come up in another episode, but know in advance I’m not a big fan (mostly because fractional comes with so many fees)
REITs are the perfect mid ground to these arguments...
The real estate guy keeps mentioning about using leverage in real estate investment, however, he doesn't provide any info regarding the cost of using leverage, AKA, interest, especially when rates are high. Stock guys didn't say anything about using leverage when trading stocks either. You can basically simulate a stock portfolio using options and adjust the leverage amount based on your risk tolerance and market conditions for a tiny amount of fees compared to what you have to do using real estate.
first you build some cash flow with real estate then go in stocks
Oh brother. You use both. They have different use cases. Real estate is cash flow. Stocks are for value appreciation. Arguing for one or the other makes about as much sense as saying a spoon is better than a knife.
"Unlevered basis"...real estate for the win
Missed the 401k company match under the barrier to entry or returns topic 👀
Is this a repeat video?
10% is not good enough when currency debasement inflation is 10% and regular inflation is 3% so the hurdle is 13%. If you’re not making at least 15% then it’s not worth it
They skirted leverage in the stock market entirely, calling it dumb. But let's break it down ... Margins can cause you to be a forced seller in a bad market, so I agree it is dumb. Options are usually short-term positions and if they don't perform within that time, they expire with a total loss. So I'll agree to call that dumb too. But leveraged ETFs don't have either of those attributes. QQQ has returned 14.5% annual returns for me for 22 years, and TQQQ can return 3x that! And unlike leverage on real estate, you don't have to qualify for a loan, there is no interest payment, and the 3x leverage factor doesn't reduce over time as it does with real estate with amortization.
I've invested in stocks and real estate for over two decades, and though both assets provide cash flow and appreciation, for me stocks have outperformed RE in appreciation, and RE outperformed stocks in cash flow.
You can chose to lose a certain amount/% in options with a stop loss..
Leveraged ETFs are interesting. But using leverage against you home to buy shares provides the RE leverage and the return of shares, without things like the TQQQ that reset every day.
@@NoRegertsHere leverage your home how? Heloc? My CU with competitive rates are quoting 9%+. The spread between that and ETFs are not great.
@@poonekar 9%?!! Tell your bank/broker that you want a HELOC for a house renovation, maybe the rate will be lower.
Then invest it! Only worth it if you can tax deduct that HELOC against your income.
In my country (Australia), debt recycling makes a lot of sense as mortgages are large and marginal tax rates are large (45%). Mortgage interest isn’t tax deductible but investment loans are.
I debt recycle. That is when I save up cash that I want to invest, I first pay off my mortgage with that amount, then reset my mortgage repayments to a lower min amount, then increase my investment loan to an equal amount that I paid off the mortgage. This mean that I have 2 loans against the property, one is mortgage at 6.2% principle and interest repayments, one is investment loan at 6.6% interest only. The 6.6% is tax deductible against 45% tax rate, meaning effectively it’s 3.63%.
The tax law for me requires that the shares I buy pay a dividend in order for the interest to be tax deductible.
The tax law may be different in the US with this.
I am a big fan of using leverage using options, but you have shared a lot of wrong info in your post. Options are not necessarily short term positions, especially if you're an option seller. Because not only you don't need to wait for the expiry, but also you will like the expiry to come earlier. This is a complex topic. I can talk about it days and nights. Your second statement about leverage ETFs is also wrong. Indeed TQQQ comes with fees. You just don't see that when it goes in your favor as much. But when Nasdaq 100 moves in side ways or when it goes lower, you will incur a major loss in a long run. Try to google for: "what's the drag in 3x leveraged ETFs"
One of real estate's biggest advantages is the ability to use leverage, which can multiply your returns. For example, with a down payment of 20%, you're controlling an asset worth five times your initial investment. If property values increase significantly, this leverage can result in outsized gains. However, leverage also amplifies losses, and interest rates can impact your profitability.
Stocks, particularly those with high growth potential, can see exponential growth over time due to the power of compounding. Reinvesting dividends or capital gains can further accelerate this growth. While volatility is a concern, compounding over the long term often leads to much greater returns, especially if you identify high-growth companies early.
Both markets have cycles, but they differ in speed and intensity. The stock market can see rapid 10X gains during bull markets or within specific high-growth industries, but it can also experience sharp corrections. Real estate cycles tend to be slower and more predictable, with less volatility, though a housing crash can still wipe out significant value.
The stock market offers easier diversification across industries, geographies, and asset types, reducing the risk of any single investment going to zero. Real estate, while stable, often requires significant capital, and it's harder to diversify. Additionally, real estate investments are more exposed to local factors like zoning laws or neighborhood trends, which could either boost or hurt your returns.
Both real estate and stocks can serve as hedges against inflation, but in different ways. Real estate values typically rise with inflation, and rental income can increase in inflationary environments, preserving purchasing power. Stocks, especially those in sectors like energy or consumer goods, can also benefit, as companies pass higher costs onto consumers.
One of the stock market’s biggest advantages over real estate is liquidity. You can easily buy and sell stocks with the click of a button, allowing you to quickly pivot based on market conditions. Real estate is far less liquid, often taking months to sell a property, and transaction costs like realtor fees and closing costs can eat into your returns.
Real Estate is anything but passive it takes a bunch of hidden work! Clogs, maintenance both schedule and unscheduled! AC/Heating, plumbing issues when tenants leave and destroy your property! It's a nightmare! Better of buying ETFs Stock Market all the way!
Stocks. Only reason RE makes sense is because of leverage. If someone has a house they live in and available equity, using the leverage that RE provides but the investment quality of stocks, it’s not even close.
Even without leverage or a smaller amount of leverage, over 20 years, stocks are a no brainer. Wish I knew this before investing in property instead of stocks
Stay away from Real Estate it's a bunch of work and takes a lot of money! Taxes, Insurance, maintenance, non paying renters, big ticket items roofs, heating and cooling system, plumbing and the list goes on and on! Stocks have never ever called me for replacing or repairs! SCHD pays me every quarter and JEPQ pays me monthly! VGT growth is insane and I yet to hear one call for help! Sold all my properties and replaced them for SCHD/VGT/ JEPQ and VOO!
I’m 35 and I have about $250k liquid in savings which I plan to put towards becoming a homeowner but based on the current high prices on real estate, do you suggest I hold from buying or do stocks for now?
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Lucia Alicia Cruz is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
The fact that there is already an excessive amount of demand awaiting its absorption, despite how everyone is frightened and calling the crash, is another reason why it is less likely to occur that way. 2008 saw no one, at least not the broad public, making this forecast, as I'll explain below. The ownership rate was noted to have peaked in 2004 in the other comment. Having previously peaked in the second quarter of 2020, we are currently at the median level. Between 2008 and 2012, it dropped by 3%, and by the second quarter of 2020, it had dropped from 68 to 65.
Investing in both real estate and stocks can be prudent choices, particularly when backed by a robust trading strategy that can navigate you through prosperous periods.
You're not doing anything wrong; the problem is that you don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.
@@williamDonaldson432 Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Annette Marie Holt for about 3 years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
I invested equal amounts in stocks/real estate in 2009. The real estate produced good cash flow and appreciation for 15 years. The stocks have given good liquidity to use. Now 15 years later the total wealth creation is about equal to the work associated with the real estate is 100x or more. The sleepless nights from stocks was much much higher. I’m currently selling off my real estate and there are some ways to minimize taxes through Charitable Trusts. Both have been excellent over time
Need knowledge in both and ability to participate in both