The biggest lesson I learned in 2023 about the stock market is that nobody knows what will happen next, so practice some humility and low a strategy with a long-term edge.
Nobody knows anything; You need to create your process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
@@KheroFrei True, initially I wasn't quite impressed with my gains, as opposed to my previous performances, I was doing so badly, that I figured I needed to diversify into better assets, I touched base with a portfolio advisor, and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
@@DarnellsStevenses I have to give props to MARGARET MOLLI ALVEY, my CFA, she's the real deal in the finance game. Dive into her background, this lady's a treasure trove of experience and knowledge for anyone navigating the financial jungle.
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
Both groups are right in their own way. The smart thing to do is have some investments in both sectors. Average working class people cannot have in-depth knowledge of any sector neither the time to gain that knowledge, to be fully invested in one or the other.
A real estate investment will take a huge chunk of the portfolio. If a person has bought a property, it's hard for him/her to develop an equity portfolio as most of their income will go to service the debt taken to buy the property. I'm talking of salaried employees who have to build their portfolio from scratch.
US Equity and Real Estate Investor here. Real Estate you need money/ good credit, a higher level of knowledge and experience. You have buyers fees, and fees when you sell. You need to yearly keep track of appreciation, ROI and expenses. US property insurance and taxes increased expenses by 25% past two years. If you have mortgage property insurance is required. Real Estate almost always pushes you into a higher tax bracket. Equity, extremely low or no fees, a basic knowledge. Chosing quality, consistently proven and performing ETFs make you competitive. You choose how much profit to tax for better tax rates.
In the early 1990s, when I purchased my first residence in Miami, mortgage rates were commonly in the 8-10% range. Today’s market participants must recognize that the historically low rates of 3% may not return. If sellers are compelled to list their properties, market dynamics will likely drive prices downward, leading to reduced valuations-this is a sentiment that many in the industry share.
The situation is poised to become more challenging. Affordable housing will soon become a misnomer. My advice for anyone considering a move is to act promptly, as current prices may appear as bargains in the near future. Until the Federal Reserve takes more decisive action, inflationary pressures could drive significant market instability. Partial measures won’t suffice to stabilize the situation.
While a price correction in the housing market seems inevitable, in the short term, it may be prudent to reallocate capital from real estate to other asset classes, such as equities or commodities like gold. Interest rates have escalated dramatically, economic indicators suggest a recession, and tighter mortgage underwriting standards are adding pressure. A price reduction of 40-50% may be necessary before the market finds equilibrium. For those at a financial crossroads, it's advisable to consult with an independent financial expert who is well-versed in current market conditions.
Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.
Great discussion!! Both Equity and Real estate has their own good and bad points. All the things is that how one should manage and take right decision when required. For this right decision, knowledge about the subject is very crucial. Thanks for sharing and hoping for more such discussion.
i just sold a house and i want to invest around $200K now, is it a good time to buy stocks? I just want my money to keep outgrowing the inflation rate!
i'd rather buy ETF's than invest in individual stocks. if you don't have experience or don't have time to monitor your portfolio, you should consult with a portfolio expert to guide you.
Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
I recently made further purchases. Saving for a market slump is also a bad idea. There are different perspectives on recessions and depressions; we cannot always expect significant rewards; and taking risks is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making sensible judgments, you will accomplish exceptional outcomes. In just 5 months, my portfolio's raw earnings increased by $608k.
Despite my conviction in your direction, my recent stock purchases, and the fact that I am an AMC shareholder, I have not been able to amass anything. I had been in debt for far too long before the collapse. What are the steps required in investing?
I completely agree, which is why I think it's important to delegate decision-making responsibility to an investment coach. Underperformance is essentially unimaginable given their specialized experience and education, as well as the fact that each of their skills is focused on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable events. Working with an investment coach for over two years, l've made over $1.5 million.
That is incredible! If he's this talented and has A-list skills, I'd like to speak with him. Even when I clone transactions using a MAM account, I continue to lose 20% of the time. Where can I locate his contact information?
We got a site in 1998 at 25k and now it's worth 75lakh. I don't think equity would have given this much of returns !! I agree now the real estate is sky rocketed and right time to buy equities in growing India. For next 10-15yrs markets will surely double and your investments will surely provide multi fold returns if you invest in good companies who have good governance.
This is what I am also confused about tbh. I think we have already passed that era where we could get multifold gains through real estate. Almost all the potential areas in India are developing hence the real estate prices are already high. The example that you took means 1998 vs today will not fit here. 1998 areas were still raw with lot of development potential but today potential is less and hence someday sooner than later it will hit the saturation point. Isnt it?
I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks and made about $246k, but guess what? I put it all back and traded again and now I am rounding up close to a millions .
Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.
YES!!! That's exactly her name (PATRICIA VESELY) so many people have recommended highly about her and am just starting with her from Brisbane Australia 🇦🇺
I think it is clear - the equity investors have gotten a far better return than the real estate ones. 15-17% CAGR is far superior than the 25% and 80% total return the real estate walas have gotten. Handa ji - 15% for 5 years is 200% Sanjay Kathuria ji - 16% for 11yrs is 511% Clear winner
Really worth watching. Please make a separate video with real estate guys if possible. Their confidence speaks when everyone saying real estate investment will not give returns.
Good discussion. I'm from Malaysia, and to me I invest primarily in equities with also some real assets which appreciate and also provides rental income. To me its all about to not put all the money in single basket. If one depreciates at least you still have the other to take care off your needs.
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience
I stopped listening and taking financial advise from these UA-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Elisse Laparche Ewing 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.
11 times growth in 20 years from 2003 to 2023 are rookie numbers in real estate during that period. I personally saw 100x in real estate and never going down though there are cases where it won't beat inflation.
Agriculture land is the best investment. Everything earned from this is tax free with increasing price. In case any highway project comes then no one can beat this category. In real estate a flat is the worst option but a row house can be considered as a good option. Equity needs time and knowledge, Mutual funds are a good way but sip is not a good way. Invest in mutual funds when the market is down at least 5 percent below from all time high
SIP is the best way of investment for a beginner. It makes you disciplined, and you don't have to worry about market fluctuations. Even a small investment compounds over a period of time to provide huge returns
I came across some statements from big investors expressing concerns that the stock market rally could be short-lived. My concern is my $600K stock portfolio is still recovering from a dip of almost 40%, how do I navigate these complex situations?
Diversification and understanding market dynamics are crucial, especially during uncertainty. Monitor both positive and cautionary signals, or consult a professional expert.
A lot of folks downplay the role of advisors until being burned by their own emotions. Early last year after my lengthy divorce I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Monica Shawn Marti is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Every real estate investor (in fact every earning person) should start investing in stocks. Real estate investor has to keep his cash in banks until he has garnered enough money to make the transaction.
Did anyone notice that the real estate investors don't talk about CAGR or IRR when talking about their rate of returns whereas equity investors talk about it all the time? That's common with real estate investors I've seen. Direct returns may look awesome but tell about CAGR. 😂
That was the only part I was interested in. And the equity guys didn’t ask them about cagr? Which is weird . I guess it will be in course of 10 years 81% but surely can’t match equity returns cause it might be in 200-300% range
They spoke about CAGR and real estate guys said that it becomes difficult to calculate the exact cagr since its not that straightforward as with equity. Because real estate involves buying and selling and registration charges and property taxes and the rental income as well. So calculating it becomes complicated
@@sruthiramesh4817 Calculations are not complicated in this day and age. As investors, people should know various incomes and expenses associated with their investment, and then calculate XIRR on them. If they can't do that, they should tell the CAGR of point to point increase in the value of the asset and not tell the absolute returns.
This is exactly what I came to comment. And this is the biggest problem I have with ppl who vouch for real estate If you don’t talk about a CAGR and a benchmark for comparison, then you don’t know how to invest
@@sruthiramesh4817 first, it’s not that complicated. Even an approximate number can help Second, if you’re serious about making money then you need to measure yourself. You can’t improve what you don’t measure
clear difference in the type of people who invest in different sectors, grey/white hair, shirt or formal and plain lifestyle, sounding slow and bit rude, vibing generation wealth are real estate people, and t-shirt hoodie, funky glasses , funny uncle , chilling mindsets are the - equity class people . choose wisely, what you wanna become
In equity I feel restless with bad news- impening war, falling dollar, corruption in corporations and bad management, politics. I much rather sit on safe real estate. At least it will house my family
Crazy content,much needed i am in my twenties and thinking of these info ... Lucky i am subscribed to wint wealth. Please do more such videos.. thanks 👍❤
Just to give an observational insight 🤔 1. Assuming Ravi Handa has 20 crores+ as his net worth. 2. He mentions in one of these videos that he has 2% in crypto. 3. That 2% amounts to 20 lakh so the gains he can potentially make from them can be still exceptional. Note: Please correct me if I'm wrong by replying, I'm eager to hear more thoughts 💬
no need to struggle for real estate and getting stuck in numerous issues till possession, EMIs etc. just get an average flat/house(only if you really need it) as per your budget not luxury for living and try to invest every month at least 30% of your inhand salary in equity and have emergency fund of equivalent to 1 years of your income. thats it , you're sorted. live a simple and relaxed life.
Real estate investments appear to contribute to a healthier lifestyle compared to equity investments, and this is the key insight you can gain in just 5 minutes.
It's immaterial and pure coincidence that the equity investors in the video are physically similar. It has nothing to do with their investment preference. 😂 Let's not be ridiculous.
Very useful information about investment in MFs and real estate,both are very good for everyone, you four are did good job in exchange the facts about investment in both, well done, thanks 👍
As a real estate investor there letigation issue in land and requires time consuming in court and settlement issues with land advocate fees and requires proper knowledge regarding buying land
Looking at people in the video. One advantage of Real Estate is that It keeps you healthy because you have to keep moving here and there unless equity investors who can sit all day :)
its pretty farfetched for hodlers only... I leverage on the volatility of the market for significant returns rather than holding and loosing value to the volatility of the market I made my first mill from going diverse, mainly stocks, ETFs, few Cryptocurrencies and bonds. thankful to my now financial advisory Emily Lois Parker. It’s a long term plan for me so I invest and re-invest. building wealth involves developing good investment habit and understanding.
many individuals miss out on gains due to actually NOT being in the market and waiting for the chance of a crash. Perhaps it's wise to do both partially
Index funds are good for large cap investment but small and midcap fund managers are still able to beat those corresponding indexes a large amount of the time.
Good podcast, was able to learn more about equity & real estate. Something that got my attention was Sanjay Sir's hoodie color changing from green to brown to green throughout the video😅
Any asset class return depends upon how prudent you are... Im 34 years .from coimbatore, real estate ( im talking about only land in the outskirts not home or flat) in coimbatore has given 80 - 100 times return in last 20 years ... going forward it will not be the case(saturating now) .. i had started working at age of 21 and invested 95 percent in real estate and created good amount of wealth(15 crs approx)... now i will focus on equity hence forth
I did same in Bangalore. Returns are 10x only. Still big enough because I did it on loan to some extent. Networth grew well. Bangalore peripheries still hold same scope . But I am not able to focus now on these territories
Can’t compare stocks and real estate, both are different. Property is for those who want to keep simple, rental income and pass over to next gen. Stocks is more how to manage funds and when you are not around then pass on to next gen and depends on next gen how they handle it.
Due to more passive nature of its investing, equity investors tend to be over-weight than real estate investors :) Jokes apart, nothing can beat returns of equity investing over long periods of time. The real estate investor in this video mentioned they enjoyed returns of 80%. Ask them over what period of time. I am confident their CAGR on real estate will be closer to FD returns after considering entry and exit costs, agent fees, renovation charges, vacancy costs, and taxes
Cagr matters to me a lot. I feel investing in real estate a ghanjat. Real estate investment is also for those who are impulsive and dont have long term investment habits.
Not Joking Yesterday I Sold shares worth 8 lakhs within 16 minutes You can use Equity To buy Home for Free I dont know if you bank gives Investors Discount but When you see The Green% You'll never think to buy a 2nd house I would say if u r planning to buy 2nd house just go for Equity
Even after withdrawing, the balance amount is still getting compounded. If your withdrawal is lower than the rate at which corpus is compounding, your corpus will always grow. That is the magic of compounding
I would recommend being a Real Estate Millionaire. While both options have their pros and cons, real estate investments offer a unique set of benefits. For one, real estate is a tangible asset that can provide a sense of security and control. Additionally, investment properties can generate passive rental income, providing a regular stream of revenue. Furthermore, real estate values have the potential to appreciate over time, providing long-term growth and wealth creation. With real estate, investors also have more control over their investments, allowing them to make decisions about property management, renovations, and sales. However, it's essential to keep in mind that real estate investments require significant upfront capital, management responsibilities, and involve illiquidity risks.
Free salary point exists in both the sectors. In real eaate as well you can take the rent as free salary and your investment will be uneffected. Capital appreciation will continue so compounding is happening and not impacted by rental income
@@religionofpeace782 not really. Rental income in good properties is easily 3%. Appreciation could be as high as 15 to 20% but 7 to 8% is quite normal. Also, real rental yeild keeps on growing with time. Doesn't remain constant but we keep on factoring in capital appreciation and keep on adjusting rental yeild. Not sure what gov data you are referring to but buying real eastate is quite similar to buying stocks. You need to select the right project at right location just like you need to select the right stock. Lastly return of overall real eastate sector is irrelevant as no one is investing in an index of real eastate 🤣
Also, real estate can not be the main stream of income, until 45-50s age. It should be done with other sources of funds like reshufflung of assets, reinvesting by selling off low performing assets etc
Real estate is also highly risky plus the risk that come with managing the asset new things keep coming up in the market over the longer period the EMI you paid and rental income you made and return with flats it might mostly balance out and many will not even show interest in buying flats which are old I think most of their converstion is about investing in commercial spaces , lands which are assets of investment but if you flat or house in big city unless really good deal it is all mostly waste
The gentlemen are comparing batting avg of Bumrah to Kohli. Bumrah can hit a 6 once in a while, but his primary role is that of a bowler. Similarly Residential is meant for end use. Fact that it also appreciates in value is a bonus. Land which is a limited supply asset, is the investment instrument in real estate. One can also invest in retail, warehouse, commercial real estate depending on your budget and cash flow requirements to get better RoI than residential. I’m surprised they missed these fundamental points in this discussion.
once again, GOLD level of content. A small request to the content team at wint, please bring a big finfluencer (think school, sharan, tanmay bhat, ca rachna ranade, arjun tandon, oswal sahab or even kamath brothers might do the trick )
Well that’s why financial literacy is really paramount, as much as the market can be quite unpredictable and a lot of variables have to be considered while making decisions, one still has to be aware of the basic principles that govern these things in order to avoid obvious pitfalls.
True, personally I work with an expert financial planner, been with him for years and he saw most of these things coming. Working with him has been the best decision of my life! He Adviced me to buy a Condo in Tampa for $100k in 2020, as of 2022 it was worth almost $200k, and he helped me structure the fin-plan to pay it off, now it’s paid off.
Buy a Plot of Land - Prices either Go High or Stable Land is Limited Buy Stocks - Prices can go north South East West STOCKS - They are against one to other
The episode should've had more models and more conversation on money. I think the episode went elsewhere than the main topic. Very less information about money.
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bring in some rich crypto bros
Guys when is your next video ?
The biggest lesson I learned in 2023 about the stock market is that nobody knows what will happen next, so practice some humility and low a strategy with a long-term edge.
Nobody knows anything; You need to create your process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
@@KheroFrei True, initially I wasn't quite impressed with my gains, as opposed to my previous performances, I was doing so badly, that I figured I needed to diversify into better assets, I touched base with a portfolio advisor, and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
@@JasonsHortons Could you kindly elaborate on the advisor's background and qualifications?
@@DarnellsStevenses I have to give props to MARGARET MOLLI ALVEY, my CFA, she's the real deal in the finance game. Dive into her background, this lady's a treasure trove of experience and knowledge for anyone navigating the financial jungle.
@@JasonsHortons I just ran an online search on her name and came across her website; pretty well educated. thank you for sharing.
Homes/flats are not the only real estates.
Plots, agri lands, shops, retail space, warehouses are the other options.
In metro - Homes are best, in villages and smaller town - Plots and other are better
@@RG-s7v you will have villages and metros right next to those metres with immense potential for growth in all terms.
Warehouses is a good concept and catching up.
@@RG-s7v warehouse is better
So true.... every body is focusing on flats...nobody is touching lands.and surprisingly lands never depreciate
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
You will own nothing and you will be happy . WEF 2030
Guys in real estate you have to Maintain the Property which is Big Headache. Invest in Equity and Stay in any Part of the World.
Yaaay my Boi
Both groups are right in their own way. The smart thing to do is have some investments in both sectors. Average working class people cannot have in-depth knowledge of any sector neither the time to gain that knowledge, to be fully invested in one or the other.
A real estate investment will take a huge chunk of the portfolio. If a person has bought a property, it's hard for him/her to develop an equity portfolio as most of their income will go to service the debt taken to buy the property. I'm talking of salaried employees who have to build their portfolio from scratch.
I am invested in both
Thanks
US Equity and Real Estate Investor here. Real Estate you need money/ good credit, a higher level of knowledge and experience. You have buyers fees, and fees when you sell. You need to yearly keep track of appreciation, ROI and expenses. US property insurance and taxes increased expenses by 25% past two years. If you have mortgage property insurance is required. Real Estate almost always pushes you into a higher tax bracket. Equity, extremely low or no fees, a basic knowledge. Chosing quality, consistently proven and performing ETFs make you competitive. You choose how much profit to tax for better tax rates.
Its been 12 days since iam waiting for your podcast, now you come up with 2 hr video, thank you for the biggest come back, thank you team wint
In the early 1990s, when I purchased my first residence in Miami, mortgage rates were commonly in the 8-10% range. Today’s market participants must recognize that the historically low rates of 3% may not return. If sellers are compelled to list their properties, market dynamics will likely drive prices downward, leading to reduced valuations-this is a sentiment that many in the industry share.
The situation is poised to become more challenging. Affordable housing will soon become a misnomer. My advice for anyone considering a move is to act promptly, as current prices may appear as bargains in the near future. Until the Federal Reserve takes more decisive action, inflationary pressures could drive significant market instability. Partial measures won’t suffice to stabilize the situation.
While a price correction in the housing market seems inevitable, in the short term, it may be prudent to reallocate capital from real estate to other asset classes, such as equities or commodities like gold. Interest rates have escalated dramatically, economic indicators suggest a recession, and tighter mortgage underwriting standards are adding pressure. A price reduction of 40-50% may be necessary before the market finds equilibrium. For those at a financial crossroads, it's advisable to consult with an independent financial expert who is well-versed in current market conditions.
I'm new to all of this. Where can I find a fiduciary advisor? Do you have any recommendations?
Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.
Thank you for the recommendation. I looked her up, sent her an email, and I'm hoping to hear back soon!
All participants look very Genuine and their plain speaking really helps everyone... Keep it up...
Great discussion!!
Both Equity and Real estate has their own good and bad points. All the things is that how one should manage and take right decision when required. For this right decision, knowledge about the subject is very crucial.
Thanks for sharing and hoping for more such discussion.
i just sold a house and i want to invest around $200K now, is it a good time to buy stocks? I just want my money to keep outgrowing the inflation rate!
i'd rather buy ETF's than invest in individual stocks. if you don't have experience or don't have time to monitor your portfolio, you should consult with a portfolio expert to guide you.
Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
Pls how can i meet this advis0r? i want someone to help me invest an Inheritance, i dont want to lose it to inflation
Melissa Elise Robinson is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.
I recently made further purchases. Saving for a market slump is also a bad idea. There are different perspectives on recessions and depressions; we cannot always expect significant rewards; and taking risks is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making sensible judgments, you will accomplish exceptional outcomes. In just 5 months, my portfolio's raw earnings increased by $608k.
Despite my conviction in your direction, my recent stock purchases, and the fact that I am an AMC shareholder, I have not been able to amass anything. I had been in debt for far too long before the collapse. What are the steps required in investing?
I completely agree, which is why I think it's important to delegate decision-making responsibility to an investment coach. Underperformance is essentially unimaginable given their specialized experience and education, as well as the fact that each of their skills is focused on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable events.
Working with an investment coach for over two years, l've made over $1.5 million.
Samuel Peter Descovich that's whom I work with
That is incredible! If he's this talented and has A-list skills, I'd like to speak with him. Even when I clone transactions using a MAM account, I continue to lose 20% of the time. Where can I locate his contact information?
SAMUEL PETER DESCOVICH
GOOGLE the name
We got a site in 1998 at 25k and now it's worth 75lakh. I don't think equity would have given this much of returns !! I agree now the real estate is sky rocketed and right time to buy equities in growing India. For next 10-15yrs markets will surely double and your investments will surely provide multi fold returns if you invest in good companies who have good governance.
My father bought share of 3m india in 1993
6000rs
Now it's around 20lakhs
Which is roughly equivalent I guess to your case
This is what I am also confused about tbh. I think we have already passed that era where we could get multifold gains through real estate. Almost all the potential areas in India are developing hence the real estate prices are already high. The example that you took means 1998 vs today will not fit here. 1998 areas were still raw with lot of development potential but today potential is less and hence someday sooner than later it will hit the saturation point. Isnt it?
The rate of return is just 24%. Midcap 150 also grows at an average of 25% every year for decades...
@arjunprs today it's worth 1cr !
I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks and made about $246k, but guess what? I put it all back and traded again and now I am rounding up close to a millions .
Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.
I'm favoured financially, Thank you Jesus $32,000 weekly profit regardless of how bad it gets on the economy
How
..? Am a newbie in crypto investment, please can you guide me through on how you made profit?
She's a licensed broker here in the states
YES!!! That's exactly her name (PATRICIA VESELY) so many people have recommended highly about her and am just starting with her from Brisbane Australia 🇦🇺
I think it is clear - the equity investors have gotten a far better return than the real estate ones.
15-17% CAGR is far superior than the 25% and 80% total return the real estate walas have gotten.
Handa ji - 15% for 5 years is 200%
Sanjay Kathuria ji - 16% for 11yrs is 511%
Clear winner
Thanks, we have been in the market for long and hence we created such returns
Really worth watching. Please make a separate video with real estate guys if possible. Their confidence speaks when everyone saying real estate investment will not give returns.
Thank you for the feedback. Will do more videos on Real Estate
Yes, if possible make separate video on Real Estate only by the same two guys investing in Real Estate
Look at both the groupls, Real Estate Investors are even fitter 😄🤣😏
I will take this as a feedback and get to working on my health
Good observation 😊
😂
Same observation 😂
real estate can be very stressful
Good discussion. I'm from Malaysia, and to me I invest primarily in equities with also some real assets which appreciate and also provides rental income. To me its all about to not put all the money in single basket. If one depreciates at least you still have the other to take care off your needs.
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience
I stopped listening and taking financial advise from these UA-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
Elisse Laparche Ewing 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.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
11 times growth in 20 years from 2003 to 2023 are rookie numbers in real estate during that period. I personally saw 100x in real estate and never going down though there are cases where it won't beat inflation.
Such an eye opening podcast! I understood the importance of equity market
Agriculture land is the best investment. Everything earned from this is tax free with increasing price. In case any highway project comes then no one can beat this category.
In real estate a flat is the worst option but a row house can be considered as a good option.
Equity needs time and knowledge, Mutual funds are a good way but sip is not a good way. Invest in mutual funds when the market is down at least 5 percent below from all time high
Need a huge capital for Agriculture land. Maybe start investing in equity and plots to reach that required capital.
SIP is the best way of investment for a beginner. It makes you disciplined, and you don't have to worry about market fluctuations. Even a small investment compounds over a period of time to provide huge returns
SIP is not good way? 😅
I came across some statements from big investors expressing concerns that the stock market rally could be short-lived. My concern is my $600K stock portfolio is still recovering from a dip of almost 40%, how do I navigate these complex situations?
Diversification and understanding market dynamics are crucial, especially during uncertainty. Monitor both positive and cautionary signals, or consult a professional expert.
A lot of folks downplay the role of advisors until being burned by their own emotions. Early last year after my lengthy divorce I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Please can you leave the info of your investment advisor here? I'm in dire need for one.
Monica Shawn Marti is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence 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.
Its all About perception and personal experiences.
Both are right on their part.
Awesome content …
Please Make more content on Real estate 👍🏻
Thank you for the feedback. Will do more videos on Real Estate
Every real estate investor (in fact every earning person) should start investing in stocks. Real estate investor has to keep his cash in banks until he has garnered enough money to make the transaction.
Both the asset class generated great roi over the years for different people in different way...
Thought informative video @wintwealth
Glad you liked it!
Wow! Learnt so much. Thanks to all four. Real estate is really tough & costly, I guess
Did anyone notice that the real estate investors don't talk about CAGR or IRR when talking about their rate of returns whereas equity investors talk about it all the time? That's common with real estate investors I've seen. Direct returns may look awesome but tell about CAGR. 😂
That was the only part I was interested in. And the equity guys didn’t ask them about cagr? Which is weird . I guess it will be in course of 10 years 81% but surely can’t match equity returns cause it might be in 200-300% range
They spoke about CAGR and real estate guys said that it becomes difficult to calculate the exact cagr since its not that straightforward as with equity. Because real estate involves buying and selling and registration charges and property taxes and the rental income as well. So calculating it becomes complicated
@@sruthiramesh4817 Calculations are not complicated in this day and age. As investors, people should know various incomes and expenses associated with their investment, and then calculate XIRR on them. If they can't do that, they should tell the CAGR of point to point increase in the value of the asset and not tell the absolute returns.
This is exactly what I came to comment. And this is the biggest problem I have with ppl who vouch for real estate
If you don’t talk about a CAGR and a benchmark for comparison, then you don’t know how to invest
@@sruthiramesh4817 first, it’s not that complicated. Even an approximate number can help
Second, if you’re serious about making money then you need to measure yourself. You can’t improve what you don’t measure
clear difference in the type of people who invest in different sectors, grey/white hair, shirt or formal and plain lifestyle, sounding slow and bit rude, vibing generation wealth are real estate people, and t-shirt hoodie, funky glasses , funny uncle , chilling mindsets are the - equity class people . choose wisely, what you wanna become
Equity guys have big fat tummy... Real estate guys don't have one. They are more fitter.
Real estate as a long term investment is great...equity however has fantastic advantages. I am almost 50/50 in both and financially independent.
How many years took to become financial freedom
In equity I feel restless with bad news- impening war, falling dollar, corruption in corporations and bad management, politics. I much rather sit on safe real estate. At least it will house my family
Crazy content,much needed i am in my twenties and thinking of these info ... Lucky i am subscribed to wint wealth. Please do more such videos.. thanks 👍❤
Thanks
Just to give an observational insight 🤔
1. Assuming Ravi Handa has 20 crores+ as his net worth.
2. He mentions in one of these videos that he has 2% in crypto.
3. That 2% amounts to 20 lakh so the gains he can potentially make from them can be still exceptional.
Note: Please correct me if I'm wrong by replying, I'm eager to hear more thoughts 💬
no need to struggle for real estate and getting stuck in numerous issues till possession, EMIs etc.
just get an average flat/house(only if you really need it) as per your budget not luxury for living and try to invest every month at least 30% of your inhand salary in equity and have emergency fund of equivalent to 1 years of your income. thats it , you're sorted. live a simple and relaxed life.
Most people watching this video don’t want to live a simple life. That’s the whole point.
Real estate investments appear to contribute to a healthier lifestyle compared to equity investments, and this is the key insight you can gain in just 5 minutes.
Agree with Real estate gives passive income that allows you to have ample amount of time for personal development
It's immaterial and pure coincidence that the equity investors in the video are physically similar. It has nothing to do with their investment preference. 😂 Let's not be ridiculous.
@@SaGaR-F.I.R.Es d3eßdsîsßs77sß7ußsddßustdtàdtàddttttdtddtdtaddddddtdddddddtdddddddddddddddddda
Very useful information about investment in MFs and real estate,both are very good for everyone, you four are did good job in exchange the facts about investment in both, well done, thanks 👍
As a real estate investor there letigation issue in land and requires time consuming in court and settlement issues with land advocate fees and requires proper knowledge regarding buying land
Wint is a class channel
@wintwealth its pure joy to listen this conversation. Everyone is right on there own methodology. Btw Ravi handa at its best 🙏
Absolutely
Recently got this channel. This is wondeuful channel have lot of information...
Looking at people in the video. One advantage of Real Estate is that It keeps you healthy because you have to keep moving here and there unless equity investors who can sit all day :)
😂
its pretty farfetched for hodlers only... I leverage on the volatility of the market for significant returns rather than holding and loosing value to the volatility of the market I made my first mill from going diverse, mainly stocks, ETFs, few Cryptocurrencies and bonds. thankful to my now financial advisory Emily Lois Parker. It’s a long term plan for me so I invest and re-invest. building wealth involves developing good investment habit and understanding.
I invest in stable stocks, my rule: if you previously liked the stock, then you should love it at a discounted price.
I looked up Emily Lois Parker on the internet out of curiosity; she has a strong résumé
many individuals miss out on gains due to actually NOT being in the market and waiting for the chance of a crash. Perhaps it's wise to do both partially
found her webpage by looking up her name online.... Her resume is quite outstanding, I'll be writing a mail to her shortly
27:23 did his hoodie change colours?
Index funds are good for large cap investment but small and midcap fund managers are still able to beat those corresponding indexes a large amount of the time.
Not true
Right
Good podcast, was able to learn more about equity & real estate.
Something that got my attention was Sanjay Sir's hoodie color changing from green to brown to green throughout the video😅
Its a magical hoddie, bought from equity
THis line is completely right 'If you want to drive rolls royce then don't ask advise from someone who drives maruti '
Ravi Handa is such a legend.
He is an absolute gem
Any asset class return depends upon how prudent you are... Im 34 years .from coimbatore, real estate ( im talking about only land in the outskirts not home or flat) in coimbatore has given 80 - 100 times return in last 20 years ... going forward it will not be the case(saturating now) .. i had started working at age of 21 and invested 95 percent in real estate and created good amount of wealth(15 crs approx)... now i will focus on equity hence forth
Exactly, when we say real estate people just look at homes and flats.
I did same in Bangalore. Returns are 10x only. Still big enough because I did it on loan to some extent. Networth grew well. Bangalore peripheries still hold same scope . But I am not able to focus now on these territories
Equity guys are talking CAGR and real estate are absolute returns, which are two different things. exceedingly difficult to compare that way.
Can’t compare stocks and real estate, both are different.
Property is for those who want to keep simple, rental income and pass over to next gen.
Stocks is more how to manage funds and when you are not around then pass on to next gen and depends on next gen how they handle it.
Due to more passive nature of its investing, equity investors tend to be over-weight than real estate investors :) Jokes apart, nothing can beat returns of equity investing over long periods of time. The real estate investor in this video mentioned they enjoyed returns of 80%. Ask them over what period of time. I am confident their CAGR on real estate will be closer to FD returns after considering entry and exit costs, agent fees, renovation charges, vacancy costs, and taxes
I will take this as a feedback and get to working on my health
Awesome!. Wish you a healthy and wealthy life.
this was so helpfull thanks a lot
Loved the video. The best learning for me was about forming a Trust!
Loved the conversation. It would be great if you guys plan a guide to real estate investing video with the featured real estate experts panel.
Would have been nicer if there was capture among investment in plots, and not necessarily a house/apartment
Cagr matters to me a lot. I feel investing in real estate a ghanjat. Real estate investment is also for those who are impulsive and dont have long term investment habits.
Wow eye opener podcast loved it truly
Many thanks
What is leverage through ODs ?
Not Joking Yesterday I Sold shares worth 8 lakhs within 16 minutes
You can use Equity To buy Home for Free
I dont know if you bank gives Investors Discount but When you see The Green% You'll never think to buy a 2nd house
I would say if u r planning to buy 2nd house just go for Equity
I have a question folks, if we redeem units, then our units are decreasing then how come compounding will help that, units are decreasing anyways?
Even after withdrawing, the balance amount is still getting compounded. If your withdrawal is lower than the rate at which corpus is compounding, your corpus will always grow. That is the magic of compounding
Simple hai bhai itna complicate mat kar. Agar 15% cagr mil raha hai...and you redeem 5%...10% cagr is your compounded returns after your withdrawal.
Which is best way to invest in real-estate for retail investors
Real-estate companies must become more like listed entities ... Such that even the equity investors can invest and get exposure to real estate
REits are there
both sector investment is important with correct education and balance approach .
I would recommend being a Real Estate Millionaire. While both options have their pros and cons, real estate investments offer a unique set of benefits. For one, real estate is a tangible asset that can provide a sense of security and control. Additionally, investment properties can generate passive rental income, providing a regular stream of revenue.
Furthermore, real estate values have the potential to appreciate over time, providing long-term growth and wealth creation. With real estate, investors also have more control over their investments, allowing them to make decisions about property management, renovations, and sales. However, it's essential to keep in mind that real estate investments require significant upfront capital, management responsibilities, and involve illiquidity risks.
Free salary point exists in both the sectors. In real eaate as well you can take the rent as free salary and your investment will be uneffected. Capital appreciation will continue so compounding is happening and not impacted by rental income
Woh toh hai...but the problem is even the rental+capital appreciation combined don't beat real inflation(not fake govt data of 6%).
@@religionofpeace782 not really. Rental income in good properties is easily 3%. Appreciation could be as high as 15 to 20% but 7 to 8% is quite normal. Also, real rental yeild keeps on growing with time. Doesn't remain constant but we keep on factoring in capital appreciation and keep on adjusting rental yeild.
Not sure what gov data you are referring to but buying real eastate is quite similar to buying stocks. You need to select the right project at right location just like you need to select the right stock. Lastly return of overall real eastate sector is irrelevant as no one is investing in an index of real eastate 🤣
amazing discussion guys
Zapkey gives the actual transaction information for any flat in big cities. You can check that.
Healthy and wealthy discussion
Nice video, thank you.
Much needed thanks
Dear team,Can you help me make a prudent decision in real estate?
Sanjay I am big fan of you and the way you explained everything
Thanks
आपके अनुसार, वर्तमान में सबसे आकर्षक निवेश क्षेत्र कौन सा है?
Very nice topic❤
Also, real estate can not be the main stream of income, until 45-50s age.
It should be done with other sources of funds like reshufflung of assets, reinvesting by selling off low performing assets etc
Real estate is also highly risky plus the risk that come with managing the asset new things keep coming up in the market over the longer period the EMI you paid and rental income you made and return with flats it might mostly balance out and many will not even show interest in buying flats which are old
I think most of their converstion is about investing in commercial spaces , lands which are assets of investment but if you flat or house in big city unless really good deal it is all mostly waste
I dont see any form link.. can you pls share the link..
Suppose 1-2 quarter k baad RBI interest rate km krega ....tb market bdhega ya flat regarding
Abhi se buying chalu krni chahiye
Please guide
Rental yields are too low in india; even in commercial property! Any suggestions how can we generate money with this in india please advice
Gem video , very useful , thanks
The gentlemen are comparing batting avg of Bumrah to Kohli. Bumrah can hit a 6 once in a while, but his primary role is that of a bowler. Similarly Residential is meant for end use. Fact that it also appreciates in value is a bonus. Land which is a limited supply asset, is the investment instrument in real estate. One can also invest in retail, warehouse, commercial real estate depending on your budget and cash flow requirements to get better RoI than residential. I’m surprised they missed these fundamental points in this discussion.
Buy a plot in Tire-2 cities for real profit in real estate.
Mic and sound is really off 😢
once again, GOLD level of content.
A small request to the content team at wint, please bring a big finfluencer (think school, sharan, tanmay bhat, ca rachna ranade, arjun tandon, oswal sahab or even kamath brothers might do the trick )
Many thanks
@wint wealth: have 1 to 1 interview with Mr. Sagar as he seems to be very knowledgeable on real estatee
Is it good to buy plot in loan for investment purpose near chennai kilambakkam bus stand
Equity stocks offer Dividends - Advantage of Equity stock investing
Great video, I have been thinking about this for some time, I think with the right knowledge and effort any of them can be profitable
Well that’s why financial literacy is really paramount, as much as the market can be quite unpredictable and a lot of variables have to be considered while making decisions, one still has to be aware of the basic principles that govern these things in order to avoid obvious pitfalls.
True, personally I work with an expert financial planner, been with him for years and he saw most of these things coming. Working with him has been the best decision of my life! He Adviced me to buy a Condo in Tampa for $100k in 2020, as of 2022 it was worth almost $200k, and he helped me structure the fin-plan to pay it off, now it’s paid off.
@@JasonAmir-qo4uo Oh Nice! What’s his name please, I’ve been on the lookout for a CFA or a portfolio manager for a while now.
His name is NELSON MAYNARD FISHER
What about his contacts, I would love to get I touch with him
I would like to know their networths too
Good content. Wish it was also in Hindi and other regional languages. Still, Kudos to Wint Wealth Team!
Maintenance of property can be expensive.
They are comparing a regular mutual fund investor with an expert real estate investor. They should take an average person who has maybe 1 or 2 homes.
Thanks for the video
Thank you
Good 🎉
27:23 his hoodie turned brown? wtf
Index funds are good.. earn 5crs . 2cr house with 1 lakh rental income… and your family will enjoy with 2cr FD . 1cr for family and friends
where to get 5cr is important part
@@truthtold3597aActive income se swing trading.
Handa & Kathuria look like fraternal twins.
Buy a Plot of Land - Prices either Go High or Stable
Land is Limited
Buy Stocks - Prices can go north South East West
STOCKS - They are against one to other
The episode should've had more models and more conversation on money. I think the episode went elsewhere than the main topic. Very less information about money.
Is that good to invest in REIT ?
No