VGT is up 1200%! Real Estate requires lots and lots of time and money! You need to factor TAXES/INSURANCE/MAINTENANCE!! If you want Real Estate you better have deep pockets! Plumbing, AC/Heat System/Electrical/upgrades!!! It's never ever ending! Sold my 3 properties and invested in good blue chip companies and ETFs! I make more money with way less headaches!
The way I think about it - as an appraiser, realtor, and homeowner - is that the S&P 500 does its own maintenance. Houses don’t. When a company underperforms, it gets dropped. When your roof underperforms, you’re out $15k.
The problem with selling a handful of properties and dumping them into the sp500 is that you will be paying a massive amount of capital gains tax on the sale of those properties. So it may make sense to keep them if you're making enough in rent to make 7% of The value of the property. The tax ramifications are huge when selling. If it wasn't for that it would make sense to put it all in the S&P. However diversification is not bad either. The rent always comes in but in down markets drawing money from investments for living is not a good thing.
I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
I wasn't financially free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start today regardless of your age, invest and change your future! Investing in the financial markets is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this.
I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in.I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.
Susan Kay Mack , Look her up online, she is quite popular in the united states and she is a certified financial adviser in order to put you through the procedures of achieving your dream portfolio.
That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?
Rule 8 indicates you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioral psychology. How can I generate more income to retire with at least $3m for long term care?
We share common goal, making sure you are ready for your later years is very important. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias especially if they engage professional help.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
Sharon Ann Meny, is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with 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.
I sold an apartment in Rochester and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?
While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.
true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
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 seriously doubt that S&P 500 will plunge 26%, Reason? There is an equal market chance associated with each crash or collapse. I have seen people accumulate up to $1 million during a crisis, and even make it work in a strong economy if they are prepared and well-informed. Without a doubt, the bubble/collapse is making someone wealthy.
The issue is most people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt, no offense. In general, Financial Consultants are ideal reps for investing jobs, and at firsthand encounter, since Jan.2020, amidst the covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My Fiduciary-counsellor helped me realign my portfolio to my risk tolerance and it boomed overtime.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Yo! is it Okay if I ask you for a recommendation?
Investing in alternate income streams should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
You are absolutely right everyone needs more than their salary to be financial stable. The best thing to do with your money is to invest it rightly, because money left for saving always end up used with no returns.
Am looking for something to venture into on a short term basis, I really need to create an alternate source of income, what do you think I should be buying?
I'm in a similar dilemma. I recently sold my house in Brooklyn for about 1.3m and I want to diversify half of the money to include stocks and perhaps digital currencies but not sure how to proceed. How can I allocate properly and make the best choice for maximum ROI?
Well it's not that hard to make lots of profit if you optimally allocate funds, but it requires some technical analysis. I'll highly recommend you work with a financial advisor.
I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?
I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Buy the least expensive house that will meet your needs (what ever your criteria might be), we raised 2 boys in a 900 square foot house with one bathroom (no downsizing in retirement required, lol). Pay it off as soon as possible, within reason. If available invest up to the match in your 401k or ... Start an after tax brokerage account as soon as you can and buy a diverse group of ETFs ( Example: SPY 40%, SCHD 40%, XLV10%, XLK10%) monthly. As you approach retirement, learn about more cash producing ETFs and CEFs. This recipe will give not only make you comfortable in retirement, but create a lot of wealth. Become your own financial advisor and don't worry about having some cash producing ETF/CEF that have a 1% fee. As your own financial advisor you can choose how much of your assets you want under management.
The stock market is definitely picking up pace right now, but I still think investors should be careful at this time. I'm actually a newbie in this space, so I'm open to hearing other investors' take on this.
I think the market is likely at its best now, but I still believe having a financial advisor is crucial to navigate the market and moderate your risk. Their expertise can really help you make informed decisions
I agree. I've been working with a financial advisor since 2020, and I return up to 20 grand every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.
My CFA, Joseph Nick Cahill, is a renowned figure in his field. I recommend researching his name online; you'll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.
Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon!
Stock investment is currently better than real estate because it offers greater liquidity, allowing you to buy and sell quickly. It also requires less initial capital, making it more accessible, and you can easily diversify your portfolio to spread risk. Plus, with technology, managing stock investments has become simpler and more efficient.
Back in 2007 when I was working in real estate seeing people buy homes new from builders with the intention of selling before close of escrow to a new buyer for profit. The crash was so brutal and fast that I remember seeing a lot of these units foreclosed on with the builder plastic still on the carpet. in terms of smart investment, i believe the stock market has been really beneficial,especially with the help of a financial adviser.
I agree. I've been working with a financial advisor since 2020, and I return up to 15k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.
Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.
My CFA, Judith Lynn Staufer, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@ThamaraSchlossarek Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* .....
I find most financial advisors are kind of useless, mostly because the vast majority have never actually invested a large sum of money, they have conflicting interests usually and can not provide an honest allocation. It is a complete waste to pay many of these fee like 1% annual fee when you can just be in a low-cost index fund.
The S&P 500 is up 35% in the past year. In the past I would have long positions but liquidated those in the light of the recession being broadcasted all over the news and even youtube finance. Where do I look for profits towards end of Q4 and beginning of the new year?
The market still has room for growth. Consider reinvesting in tech stocks like AAPL, MSFT, or GOOGL. They've shown resilience and innovation. Also, keep an eye on the small-cap RUT, which has been outperforming.
I understand your caution . However, timing the market can be challenging. I consult with a financial advisor who helps me make informed decisions. They team managing my investment been spot on with their guidance, and my portfolio has benefited. Perhaps consider seeking professional advice?
My advisor helped me allocate my portfolio across dividend-paying stocks, real estate investment trusts (REITs), bonds and alternative/emerging markets. I've seen consistent returns around 20-25% annually. They also helped me navigate the recent yield curve inversion concerns.
@richarddamien Thats a financial advisor can provide valuable insights. Additionally, consider sectors like healthcare (XLV) and consumer staples (XLP), which tend to perform well during economic uncertainty.
Absolutely invest in a home. Move to a cheaper walkable area downsized to one car and 2 bikes and an electric golf course paid cash for the house and am not worried about ever being homeless. Priceless
You won't be homeless when you have dividends and compound interest with investment. Housing repairs and taxes with the current market will bite you! You can retire early investing and traveling and living in cruise ship with free meals that cost less than renting a apt. I don't recommend buying a house at age 40s with today's market
I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?
"Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task
Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
It’s really hard to compare the two because they are so different. I’ve done both at same time, for me over the 20 years I owned real estate, stock market has way outperformed my real estate, I’ve also spent countless hours on my real estate, being a builder I do all my own work with few exceptions so my time is worth money, I’ve had evictions that have cost me thousands, repairs, vacancies etc. i sold one and cashed a big check, tenant’s paid for it but I worked it and dealt with the issues that came up regularly. For me it wasn’t a good investment. I’m sure other people would disagree but that just my experience
Investing for retirement by yourself can be risky due to their complex strategies, high fees, and potential for significant losses. Without expert knowledge, it's challenging to fully assess the risks and returns, making professional guidance crucial.
Investing for retirement can be tricky to navigate without deep financial expertise. The complex strategies and high fees involved mean that the risks can be substantial, and it’s hard to fully grasp these without experience. Professional guidance is key to making informed decisions and avoiding potential pitfalls.
The comments emphasize the risks of investing for retirement without professional expertise. A financial adviser can help navigate these complexities, ensuring that investments are well-managed and aligned with financial goals. Their guidance is crucial for assessing risks, maximizing returns, and making the investment process more secure and personalized.
My CFA JULIANNE IWERSEN NIEMANN a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
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.
An important point that wasn’t mentioned is stocks can be easily sold or exchanged which is not the case with a house. There is also capital gains tax advantage when you sell if you own the home long term.
Not to mention. There is a difference between owning a home to live in. juxtaposed to a rental property. But for those that live in their home. It provides zero cash flow. Plus it requires the home owner to continue paying the mortgage in order for you to even live in it.
Taxes on homes sucks and repairs. I would have loved to own second home but at this point with prices. I'm better off renting and retiring with 1.2 million
@@PeterParker-wj3cr AND property tax AND HOA fee if it's a condo or part of community AND special assessments AND homeowners insurance AND repairs. If someone wants RE it's almost better to invest in a RE fund and keep renting.
I live in Sydney, Australia & bought my house in 1986. Since Sydney has massive immigration, I would say my house has increased in value at double the inflation rate since I've owned it.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Charlotte Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
What I think is great about real estate as investment properties is the triple benefit you get. First, you have someone else paying your mortgage plus hopefully enough margin to cover expenses and repairs through rent. Second, you get tax breaks on your expenses and depreciation. Third, you benefit from the appreciation of the total value of the property, not just what you put into it. So let's use Azul's example, you put $100,000 down on a $500,000 house. In ten years, the amount you owe could be around $325,000, but the property would be worth $825,000 based on 5% value increase year over year. So essentially, you would be making about $500,000 in profit on a $100,000 investment. Of course there are so many mitigating factors and risks... repairs, occupancy, interest rates, down markets. But overall, no other investment has the potential to provide those kinds of returns IMO.8
1. Finding a house to buy where the rent fully covers the mortgage + repairs etc. is super rare. 2. Real estate does not appreciate 5% YOY, more like 2-3% (as Azul said, in line usually with inflation). So your whole premise is wrong for most people and in most circumstances.
@@XMan-nz9xy good points, it would be harder to do this today, but not impossible. Where I live, homes have appreciated 417% over the last 30 years, averaging 8.8% YOY. I don't know who "most people" are, but there are hundreds of thousands of people who still invest in real estate successfully even today.
I invested in a rental property. I like it better getting direct cash from renters, and I know I'm paying off capital in the house each year. It's not a get rich quick, but I'm sure it'll help greatly in retirement when it's all paid off.
A house usually doubles in value every 10 years S&P 500 usually doubles in value every 10 years If buying a house with a mortgage a person has to make payments every month on exact same day every month and houses cant always be sold quickly during a recession etc But a S&P 500 position can be liquidated instantly Trading Options etc Options have an expiry date usually a month long option which can expire worthless but can be very profitable but because the option expires every month a person has closing position costs 12 times a year whereas buying the S+P 500 or gold etc people can just buy the stock and stay in the position for decades and forget about and just reinvest the dividends without accruing any closing position costs if position not closed Trading options is very risky as approx 90% of Day Traders lose money and many lose everything
My portfolio of 500k is not increasing any more than 5% and we seem to be facing a massive inflation now. I can't tell where the market is headed, Do i hold on or perhaps I should just sell off assets and avoid the panic?
There are more effective investment strategies than going all cash and waiting to reinvest. Consider following the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs can often outperform the returns of many investors.
That's right, I was doing pretty good not until the rona-outbreak which led to my portf0li0 crash. I immediately employed the service of an advlsor, got overwhelmed by the returns, thus increased my investments and to date, I'm just about 10% shy of a 7 figure portf0li0.
Melissa Elise Robinson is the advlsor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
Are housing and stocks really rising or is the dollar being devalued. It always cost more dollars to buy either but I see that the dollar is constantly being devalued, not that prices are rising. It is all a matter of perspective. Expect dollars to be worth half as much every 12 years. Why would anyone want to own an asset that loses half it's value every 12 years. Invest in everything and get out of dollars.
A major point always needs to be included. You can live in a house investment. You cannot live in an ETF investment. Probably a $2000+ value per month.
If you got about over 100k lying around. Why not do both? Thats what I did ...moved away from North America to Eastern Europe , bought a home paid in full cash , condos then invest the rest on indices,fx, commodities..Houses are good for holding assets and long term plan to control your living cost, which has grown unsustainably last 10 years, if you havent bought one in that period, it will cut into your savings at some point. Stock market are better for passive earnings ans stable income .Both are pretty good for diversification.
After being an accidental landlord and two rentals (a townhome and SF) I am done buying real estate. Dealing with professional squatters is a nightmare, tenant laws are ridiculous it can make landlords bankrupt. currently dealing with one since past 8 months and no progress.
I sold a flat in Brooklyn for around $250,000. I was dissatisfied when I received only $171 in interest from a standard savings account. Following some investigation, I was encouraged to invest in stocks. Are these stocks a smart place to start?
I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $200K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.
true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
“ Elizabeth Colleen Nurre is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.
Just started video so see if we agree. No Idea really but I’m telling my son to NOT buy house now as it is too high and drop will come and take much longer to come out of than a stock market crash …invest in index and save and buy real estate when it is on the floor .. usually when most people are not buying. Be patient and save. Also debt on house cuts in quality of life and mobility. Rent and let landlords ( like me ) deal with high costs of repairs an headaches.
Nothing wrong with options if you don’t use margins. I’ve been doing it for years. If it goes against you, you simply roll the call/put. But I did enjoy the video and agree with most of your points.
As an amateur, it seems that the S&P is the way to go. I can invest every month and end up with a large amount of money. I can’t jump into getting a house that easy and I can’t afford to pay taxes, remodel, or do maintenance.
Now that the election is over, what's next? DID you miss out on the bull run? Bitcoin created a new ATH now and all I can say is thank you to this channel and Julianne Iwersen Niemann, for keeping me informed.
you are lucky, One of the most brillian investing advice i have ever gotten on youtube came from watching an interview with Julianne Iwersen Niemann. Indeed, A solid investment strategy is like a well-planted tree-it can withstand storms and still grow strong
Real estate usually requires a lot more skill than an index fund to make money in. It can't be dollar cost averaged or diversified for most of us. It's more of a way to stabilize housing costs than to get rich.
It doesn't stabilize housing costs if the property taxes keep going up, insurance or in the case of a condo, a special assessment.. renting it is a pain
While I totally agree with your 2nd point of living in a house vs the S&P 500, I have always looked at my mortage payment as paying rent. Housing was going to cost me one way or thte other. Forgoing the discussion on appreciating asset, and experiencing the 1980 interrest rate of +/- 18% I bought my first house for 25K with a $200 down VA laon, making mortage payments (i.e. rent) in the following years I now have a $600k home that is paid for and am debt free in my retirement. Compare that to stock invetment vs home investment!
My S&P 500 fund went up 2.5% today. My house cost me about $620 in repair/maintenance work today. Winner S&P 500. As a matter of fact, my S&P fund is up over $200k this year....not my house. But I also just paid my insurance bill and property taxes. Go with S&P.
@@Bigboss-xe6lm I understand what you are saying, and I do own my home. (I'm old!!) But, I have always looked at my house as an expense. My index funds also pay dividends quarterly or yearly, so I actually see an income from them.
In the current economic climate, a home is not the best investment. I've already sold my Boca Grande area home, but I want to invest roughly $200,000 in stocks Any excellent ideas for?
The truth is that if you make the right picks, you could make killer riches very quickly, although such profit usually needs expertise, as in hedge funds or financial managers. I personally prefer the latter.
I believe investors should start with S&P 500/ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
I agree with the first comment. Despite my rookie knowledge of investing, I have a financial advisor who did the trick in a bit more than 6 months after a lump sum capital of $500k, and I've so far made a fortune. I'm now buying real estates, gold and silver as advised by my FA.
I've read A LOT of comments here about having a financial planner. I'm not here to tell anyone it's bad advice BUT, no one will care or watch over YOUR money like YOU will. Take the time to learn. It's NOT hard. Lot's of FP are crooks and just looking to make high fee's and or commissions associated with your account. Don't give these people your money because it's not worth the risk. LEARN!
Stocks make more, but real estate can be more leveraged. I can't buy the S&P with only 20% down, but I can buy a rental home. I like stocks because there is less work and they are much more liquid.
Which is cause of inflation 😂it's going to be hard to sell the home with people struggling with these prices going up! Which mean your house is useless
i would never ever invest into the sp500 when it goes up mostly because of 4-7 stocks. If you pick just 2 of these correctly you can easily get 2000% more than the sp500.
I would purchase a house if you have a substantial amount of money in investments and stocks and you have enough money for a 20% down payment. In order to be extremely wealthy you need to have investments not just buy real estate and live paycheck the paycheck. If all I had was a 20% down payment and no investments, I would take the money I would’ve used for the house and invested it to grow it and eventually have enough money invested and then wait until I have an extra 20% after my investments are making me income on the side before I buy a house. A lot of people don’t make enough money to do this and that’s why they stay in their current financial situation. In that scenario, they need to find a way to make a substantially larger amount of income or live below their means on what they are making.
I think basically it is advisable to diversify your investment. I am not a financial adviser but from experience you can raise capital from stock investment to buy a house and while you live in the house with your family and you pay your mortgage, you can continue to invest further in the stock by dollar cost averaging and allow the two investment to run side by side. The good thing about stock investment is that you do not need a huge sum of money to invest, you only need to know the right stocks to invest in.
I would be ahead. If I sold my house and was renting a house the same value I would have several hundred dollars a week extra with what that capital would return on the stock market. What owning a house gives is peace of mind though, that you won't be evicted
I'd love to invest in stocks after listening to a guy on a podcast talk about the importance of investing and how he made over $300k in few months of investing into stocks from $175k initial capital, somehow this video has helped shed light on some things but I'm confused about the current market volatility I'm new to this and I'm open to ideas.
It's difficult to beat the market as an ordinary investor, you don't have access to information that professionals have. So it's just better if you invest with a professional who knows how things work better.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
How about both. 53 Paid house off last year. also built nice 401k & private portfolio. It can be done if you don't blow your money on crap like 95% of society PS Ive never owned a new car.
Im too old to buy a house. I think I'm just going to rent and retire comfortably and travel. I might even spend my first year of retirement on cruise ship. Free meals haha and enjoy the babes
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing.. I will write her an e-mail shortly.
The home you live in is NOT an investment in the way you think it is. The home you live in is definitely not comparable to investing in stocks. Now, if you’re talking abt owing a rental home/unit, that is more comparable and usually a much much better investment than stocks if you do it correctly.
Well if you have to throw $2,000 + away every month on rent you probably don't have money to invest in either....realistically. If you can live with parents or family while saving up for a home that is ideal.
It doesn't make sense to tell people that it's ok to take leverage (mortgage) on a rental property but it's not ok to do that in the stock market. Then you talk about a personal hone you live in, that is not an investment. You generally don't live in a rental property. You should compare investments and remove or include leverage in both.
Stocks can bring it more cash flow on daily if you know how to sell options on the shares you have. But real estate has way better tax deductions. I pick stocks all day less headache with tenants and other expenses. 😂
Where I live in the Midwest the stock market has appreciated much more than home prices. We've had our house 22 years. It's gone from $200K to I suppose around $400-500K. Great if you're buying because homes are still affordable here. But a doubling of asset value in 20 years isn't so hot compared to what my money in stock based investments has done. Also I've not had to install a new roof or furnace in my S&P 500 index fund ;)
Right. The problem today is people see homes as an asset, its not. It never was. Its a HOME. You need one. THEN you go buy whatever you like to invest in. A home is an expense for most people. Dont treat it like its an asset. Dont try to flip something with borrowed money. Be safe. THEN you can risk (dont go optiontrading!) after you have a home. People are to desperate today to try to get rich quick. ITS NOT POSSIBLE for most people. Take the safe route unless you have a business youd do good in. Either way a home is still neeeded.
@@Bigboss-xe6lm Agreed. The S&P, etc. have made me quite comfortable financially over the time I've been investing. The house has made me comfortable too, but in a different way, especially on cold winter days ;)
You have to have a place to stay and a house is not an investment if you have to have it. I think people should get the house they need than want and invest the excess
Why don't people do both. I do. Anything extra cash I have half goes to my stock portfolio and have on a principal payment to my townhouse. 💪🏾💪🏾💪🏾💪🏾u can always go H.A.M. o. Ur stock portfolio for the 1st 15 years and the go H.A.M. on ur property. I couldn't sleep good at knight knowing I have a fully paid property missing out on the stock market. 💰💰💰💰💰💰💰💰💰
I like your approach man! Maybe consider putting a little cash bit into a HYSA so you can have cash in hand to take advantage of stock market corrections. Great job and keep kicking ass.
What I know for certain, which ever one I decide to do, buy a house next year or instead max out investing in 401k/roth Ira, it will end up going south, that’s been my luck forever.
DO YOUR OWN RESEARCH… AS A STOCKHOLDER YOU MUST PAY CAPITAL GAINS WHEN YOU SELL A STOCK. REAL ESTATE PRICES WILL CONTINUE TO RAISE AT A FAST PACE, UNLESS THE DEMAND IS LESS THAN THE SUPPLY.
Consider this type of approach SPY 40%, SCHD 40%, XLV10%, XLK10% . Do your own due diligence with back testing on "portfolio visualizer" (google this).
Unless your house goes up in value AT LEAST 100% you will be a NET LOSER, and you will have wasted 15 to 30 years of your life. Buying a house is a losers game. Especially at current prices.
I'm a millennial that is interested in retirement. I save 20% of my income and hoping that everyone's' doomsday predictions of never-ending appreciation of housing and property will not come true.
![[#2024MAMA] BIGBANG (빅뱅) - 뱅뱅뱅 (BANG BANG BANG) + FANTASTIC BABY | Mnet 241123 방송](http://i.ytimg.com/vi/EQsYfiPR9uM/mqdefault.jpg)
VGT is up 1200%! Real Estate requires lots and lots of time and money! You need to factor TAXES/INSURANCE/MAINTENANCE!! If you want Real Estate you better have deep pockets! Plumbing, AC/Heat System/Electrical/upgrades!!! It's never ever ending! Sold my 3 properties and invested in good blue chip companies and ETFs! I make more money with way less headaches!
The way I think about it - as an appraiser, realtor, and homeowner - is that the S&P 500 does its own maintenance. Houses don’t. When a company underperforms, it gets dropped. When your roof underperforms, you’re out $15k.
Why not both? Why chose to be poor? Be rich my man?
@@henrymitchell9717 $1.4 million is poor? Salute my friend!
The problem with selling a handful of properties and dumping them into the sp500 is that you will be paying a massive amount of capital gains tax on the sale of those properties. So it may make sense to keep them if you're making enough in rent to make 7% of The value of the property. The tax ramifications are huge when selling. If it wasn't for that it would make sense to put it all in the S&P. However diversification is not bad either. The rent always comes in but in down markets drawing money from investments for living is not a good thing.
I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
I wasn't financially free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start today regardless of your age, invest and change your future! Investing in the financial markets is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this.
I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in.I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.
Susan Kay Mack , Look her up online, she is quite popular in the united states and she is a certified financial adviser in order to put you through the procedures of achieving your dream portfolio.
That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?
looked her up on the internet and left her a message she's quite popular for her services
Bot
Rule 8 indicates you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioral psychology. How can I generate more income to retire with at least $3m for long term care?
We share common goal, making sure you are ready for your later years is very important. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias especially if they engage professional help.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help
Sharon Ann Meny, is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with 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.
I sold an apartment in Rochester and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?
While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.
true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
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 copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
I seriously doubt that S&P 500 will plunge 26%, Reason? There is an equal market chance associated with each crash or collapse. I have seen people accumulate up to $1 million during a crisis, and even make it work in a strong economy if they are prepared and well-informed. Without a doubt, the bubble/collapse is making someone wealthy.
The issue is most people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt, no offense. In general, Financial Consultants are ideal reps for investing jobs, and at firsthand encounter, since Jan.2020, amidst the covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My Fiduciary-counsellor helped me realign my portfolio to my risk tolerance and it boomed overtime.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Yo! is it Okay if I ask you for a recommendation?
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
Investing in alternate income streams should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
You are absolutely right everyone needs more than their salary to be financial stable. The best thing to do with your money is to invest it rightly, because money left for saving always end up used with no returns.
Am looking for something to venture into on a short term basis, I really need to create an alternate source of income, what do you think I should be buying?
Cryptocurrency/stock investment, but you will need a professional guide on that.
Facebook 👇
Evelyn C. Sanders
I'm in a similar dilemma. I recently sold my house in Brooklyn for about 1.3m and I want to diversify half of the money to include stocks and perhaps digital currencies but not sure how to proceed. How can I allocate properly and make the best choice for maximum ROI?
Well it's not that hard to make lots of profit if you optimally allocate funds, but it requires some technical analysis. I'll highly recommend you work with a financial advisor.
I agree. I started investing with a CFP who has a good understanding of the market. This third quarter I've already made more than 150k in net profit.
This is incredible profit. Could you recommend who you work with so I could check them out?
Her name is *Marissa Lynn Babula* can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Wow so much trouble lmao
I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?
I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
I'm glad I found this conversation. I have cash to invest but am worried about picking the wrong stocks. Can you refer me to your financial advisor?
@@PatrickLloyd-How much the financial advisors usually charge?
Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Buy the least expensive house that will meet your needs (what ever your criteria might be), we raised 2 boys in a 900 square foot house with one bathroom (no downsizing in retirement required, lol). Pay it off as soon as possible, within reason. If available invest up to the match in your 401k or ... Start an after tax brokerage account as soon as you can and buy a diverse group of ETFs ( Example: SPY 40%, SCHD 40%, XLV10%, XLK10%) monthly. As you approach retirement, learn about more cash producing ETFs and CEFs. This recipe will give not only make you comfortable in retirement, but create a lot of wealth. Become your own financial advisor and don't worry about having some cash producing ETF/CEF that have a 1% fee. As your own financial advisor you can choose how much of your assets you want under management.
What was your initial investment?
YES, the best advice I can give is to live cheap! this is how you get ahead in life.
The stock market is definitely picking up pace right now, but I still think investors should be careful at this time. I'm actually a newbie in this space, so I'm open to hearing other investors' take on this.
I think the market is likely at its best now, but I still believe having a financial advisor is crucial to navigate the market and moderate your risk. Their expertise can really help you make informed decisions
I agree. I've been working with a financial advisor since 2020, and I return up to 20 grand every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.
Do you have any recommendations for a good investment advisor? I could really use some help.
My CFA, Joseph Nick Cahill, is a renowned figure in his field. I recommend researching his name online; you'll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.
Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon!
Stock investment is currently better than real estate because it offers greater liquidity, allowing you to buy and sell quickly. It also requires less initial capital, making it more accessible, and you can easily diversify your portfolio to spread risk. Plus, with technology, managing stock investments has become simpler and more efficient.
Back in 2007 when I was working in real estate seeing people buy homes new from builders with the intention of selling before close of escrow to a new buyer for profit. The crash was so brutal and fast that I remember seeing a lot of these units foreclosed on with the builder plastic still on the carpet. in terms of smart investment, i believe the stock market has been really beneficial,especially with the help of a financial adviser.
I agree. I've been working with a financial advisor since 2020, and I return up to 15k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.
Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.
My CFA, Judith Lynn Staufer, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@ThamaraSchlossarek Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* .....
@@BinuDauti Oh please I’d love that. Thanks!
*MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
I find most financial advisors are kind of useless, mostly because the vast majority have never actually invested a large sum of money, they have conflicting interests usually and can not provide an honest allocation. It is a complete waste to pay many of these fee like 1% annual fee when you can just be in a low-cost index fund.
The S&P 500 is up 35% in the past year. In the past I would have long positions but liquidated those in the light of the recession being broadcasted all over the news and even youtube finance. Where do I look for profits towards end of Q4 and beginning of the new year?
The market still has room for growth. Consider reinvesting in tech stocks like AAPL, MSFT, or GOOGL. They've shown resilience and innovation. Also, keep an eye on the small-cap RUT, which has been outperforming.
I understand your caution . However, timing the market can be challenging. I consult with a financial advisor who helps me make informed decisions. They team managing my investment been spot on with their guidance, and my portfolio has benefited. Perhaps consider seeking professional advice?
@richarddamien I've considered financial advisors but wasn't sure if it was worth the cost. What kind of returns have you seen?
My advisor helped me allocate my portfolio across dividend-paying stocks, real estate investment trusts (REITs), bonds and alternative/emerging markets. I've seen consistent returns around 20-25% annually. They also helped me navigate the recent yield curve inversion concerns.
@richarddamien Thats a financial advisor can provide valuable insights. Additionally, consider sectors like healthcare (XLV) and consumer staples (XLP), which tend to perform well during economic uncertainty.
Absolutely invest in a home. Move to a cheaper walkable area downsized to one car and 2 bikes and an electric golf course paid cash for the house and am not worried about ever being homeless. Priceless
Does your downsize home provide any cash flow?
You won't be homeless when you have dividends and compound interest with investment. Housing repairs and taxes with the current market will bite you! You can retire early investing and traveling and living in cruise ship with free meals that cost less than renting a apt. I don't recommend buying a house at age 40s with today's market
Of course unless you want to work for another 30 years at age 40 and miss out on retirement
I do both. I put 75% of my investment dollars in stocks and 25% in real estate. I enjoy both.
This is the correct answer! But, no fixed-income/bonds?
@ Definitely dividend stocks, bitcoin, and bonds (5%)
I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?
"Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task
Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.
this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
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.
It’s really hard to compare the two because they are so different. I’ve done both at same time, for me over the 20 years I owned real estate, stock market has way outperformed my real estate, I’ve also spent countless hours on my real estate, being a builder I do all my own work with few exceptions so my time is worth money, I’ve had evictions that have cost me thousands, repairs, vacancies etc. i sold one and cashed a big check, tenant’s paid for it but I worked it and dealt with the issues that came up regularly. For me it wasn’t a good investment. I’m sure other people would disagree but that just my experience
Investing for retirement by yourself can be risky due to their complex strategies, high fees, and potential for significant losses. Without expert knowledge, it's challenging to fully assess the risks and returns, making professional guidance crucial.
Investing for retirement can be tricky to navigate without deep financial expertise. The complex strategies and high fees involved mean that the risks can be substantial, and it’s hard to fully grasp these without experience. Professional guidance is key to making informed decisions and avoiding potential pitfalls.
The comments emphasize the risks of investing for retirement without professional expertise. A financial adviser can help navigate these complexities, ensuring that investments are well-managed and aligned with financial goals. Their guidance is crucial for assessing risks, maximizing returns, and making the investment process more secure and personalized.
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??
My CFA JULIANNE IWERSEN NIEMANN a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
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.
An important point that wasn’t mentioned is stocks can be easily sold or exchanged which is not the case with a house. There is also capital gains tax advantage when you sell if you own the home long term.
Not to mention. There is a difference between owning a home to live in. juxtaposed to a rental property. But for those that live in their home. It provides zero cash flow. Plus it requires the home owner to continue paying the mortgage in order for you to even live in it.
Taxes on homes sucks and repairs. I would have loved to own second home but at this point with prices. I'm better off renting and retiring with 1.2 million
@@PeterParker-wj3cr AND property tax AND HOA fee if it's a condo or part of community AND special assessments AND homeowners insurance AND repairs. If someone wants RE it's almost better to invest in a RE fund and keep renting.
I live in Sydney, Australia & bought my house in 1986.
Since Sydney has massive immigration, I would say my house has increased in value at double the inflation rate since I've owned it.
So you only spend part of the year living at mar-a-lago.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Charlotte Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
What I think is great about real estate as investment properties is the triple benefit you get. First, you have someone else paying your mortgage plus hopefully enough margin to cover expenses and repairs through rent. Second, you get tax breaks on your expenses and depreciation. Third, you benefit from the appreciation of the total value of the property, not just what you put into it. So let's use Azul's example, you put $100,000 down on a $500,000 house. In ten years, the amount you owe could be around $325,000, but the property would be worth $825,000 based on 5% value increase year over year. So essentially, you would be making about $500,000 in profit on a $100,000 investment. Of course there are so many mitigating factors and risks... repairs, occupancy, interest rates, down markets. But overall, no other investment has the potential to provide those kinds of returns IMO.8
1. Finding a house to buy where the rent fully covers the mortgage + repairs etc. is super rare. 2. Real estate does not appreciate 5% YOY, more like 2-3% (as Azul said, in line usually with inflation). So your whole premise is wrong for most people and in most circumstances.
@@XMan-nz9xy good points, it would be harder to do this today, but not impossible. Where I live, homes have appreciated 417% over the last 30 years, averaging 8.8% YOY. I don't know who "most people" are, but there are hundreds of thousands of people who still invest in real estate successfully even today.
I invested in a rental property. I like it better getting direct cash from renters, and I know I'm paying off capital in the house each year. It's not a get rich quick, but I'm sure it'll help greatly in retirement when it's all paid off.
A house usually doubles in value every 10 years
S&P 500 usually doubles in value every 10 years
If buying a house with a mortgage a person has to make payments every month on exact same day every month and houses cant always be sold quickly during a recession etc
But a S&P 500 position can be liquidated instantly
Trading Options etc
Options have an expiry date usually a month long option which can expire worthless but can be very profitable but because the option expires every month a person has closing position costs 12 times a year whereas buying the S+P 500 or gold etc people can just buy the stock and stay in the position for decades and forget about and just reinvest the dividends without accruing any closing position costs if position not closed
Trading options is very risky as approx 90% of Day Traders lose money and many lose everything
My portfolio of 500k is not increasing any more than 5% and we seem to be facing a massive inflation now. I can't tell where the market is headed, Do i hold on or perhaps I should just sell off assets and avoid the panic?
There are more effective investment strategies than going all cash and waiting to reinvest. Consider following the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs can often outperform the returns of many investors.
That's right, I was doing pretty good not until the rona-outbreak which led to my portf0li0 crash. I immediately employed the service of an advlsor, got overwhelmed by the returns, thus increased my investments and to date, I'm just about 10% shy of a 7 figure portf0li0.
Congrats! very encouraging for newbies like myself, mind sharing advlsor info please? in dire need of proper asset allocation.
Melissa Elise Robinson is the advlsor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
what is the best buy house with full cash, then take a loan on that property, and then invest in s&p 500 it’s the best.
Are housing and stocks really rising or is the dollar being devalued. It always cost more dollars to buy either but I see that the dollar is constantly being devalued, not that prices are rising. It is all a matter of perspective. Expect dollars to be worth half as much every 12 years. Why would anyone want to own an asset that loses half it's value every 12 years. Invest in everything and get out of dollars.
A major point always needs to be included.
You can live in a house investment. You cannot live in an ETF investment. Probably a $2000+ value per month.
When you consider families now typically have dual incomes instead of one, it's really 12x vs 4x gross pay when comparing to the past.
If you got about over 100k lying around. Why not do both? Thats what I did ...moved away from North America to Eastern Europe , bought a home paid in full cash , condos then invest the rest on indices,fx, commodities..Houses are good for holding assets and long term plan to control your living cost, which has grown unsustainably last 10 years, if you havent bought one in that period, it will cut into your savings at some point. Stock market are better for passive earnings ans stable income .Both are pretty good for diversification.
After being an accidental landlord and two rentals (a townhome and SF) I am done buying real estate. Dealing with professional squatters is a nightmare, tenant laws are ridiculous it can make landlords bankrupt. currently dealing with one since past 8 months and no progress.
Sounds stressful 😢
The housing market is on a steady decline for the last year. It is 40% cheaper to rent right now. Even if you can afford a down-payment
Bitcoin
Do both!
yep. That's one way to diversify.
Agree!
I sold a flat in Brooklyn for around $250,000. I was dissatisfied when I received only $171 in interest from a standard savings account. Following some investigation, I was encouraged to invest in stocks. Are these stocks a smart place to start?
I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $200K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.
true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
“ Elizabeth Colleen Nurre is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.
She seems to be well-educated and well-read. I performed an online search for her name and discovered her webpage; thank you for sharing.
Just started video so see if we agree. No Idea really but I’m telling my son to NOT buy house now as it is too high and drop will come and take much longer to come out of than a stock market crash …invest in index and save and buy real estate when it is on the floor .. usually when most people are not buying. Be patient and save. Also debt on house cuts in quality of life and mobility. Rent and let landlords ( like me ) deal with high costs of repairs an headaches.
Nothing wrong with options if you don’t use margins. I’ve been doing it for years. If it goes against you, you simply roll the call/put. But I did enjoy the video and agree with most of your points.
As an amateur, it seems that the S&P is the way to go. I can invest every month and end up with a large amount of money. I can’t jump into getting a house that easy and I can’t afford to pay taxes, remodel, or do maintenance.
Wife is invested in the S&P 500
While
I am invested in Real Estate (Rental Houses!)
Buying a house is not an investment.
Now that the election is over, what's next? DID you miss out on the bull run? Bitcoin created a new ATH now and all I can say is thank you to this channel and Julianne Iwersen Niemann, for keeping me informed.
you are lucky, One of the most brillian investing advice i have ever gotten on youtube came from watching an interview with Julianne Iwersen Niemann. Indeed, A solid investment strategy is like a well-planted tree-it can withstand storms and still grow strong
I’ve heard of her
How can i reach her, if you don't mind me asking?
Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds.
The thing is people often doubt the prospects of financial advisors like Julianne Iwersen Niemann in business/markets today.
Well it gives me more time to get ahead while they stew in their own pity and doubts as they childishly complain about those spreading the word
Real estate usually requires a lot more skill than an index fund to make money in. It can't be dollar cost averaged or diversified for most of us. It's more of a way to stabilize housing costs than to get rich.
Good point, renting while retired is a big gamble. Rents are sure to go up.
It doesn't stabilize housing costs if the property taxes keep going up, insurance or in the case of a condo, a special assessment.. renting it is a pain
While I totally agree with your 2nd point of living in a house vs the S&P 500, I have always looked at my mortage payment as paying rent. Housing was going to cost me one way or thte other. Forgoing the discussion on appreciating asset, and experiencing the 1980 interrest rate of +/- 18% I bought my first house for 25K with a $200 down VA laon, making mortage payments (i.e. rent) in the following years I now have a $600k home that is paid for and am debt free in my retirement. Compare that to stock invetment vs home investment!
My S&P 500 fund went up 2.5% today. My house cost me about $620 in repair/maintenance work today. Winner S&P 500. As a matter of fact, my S&P fund is up over $200k this year....not my house. But I also just paid my insurance bill and property taxes. Go with S&P.
I have a similar experience. But remember, you can't live in your stock portfolio. The house is more than just an investment.
Exactly!
And the mutual fund company won’t call you and say “we need a new roof “ !
Sure. But having a house/home FIRST is key to success. THEN go all in on the index funds as much as you please.
@@Bigboss-xe6lm I understand what you are saying, and I do own my home. (I'm old!!) But, I have always looked at my house as an expense. My index funds also pay dividends quarterly or yearly, so I actually see an income from them.
In the current economic climate, a home is not the best investment. I've already sold my Boca Grande area home, but I want to invest roughly $200,000 in stocks Any excellent ideas for?
The truth is that if you make the right picks, you could make killer riches very quickly, although such profit usually needs expertise, as in hedge funds or financial managers. I personally prefer the latter.
I believe investors should start with S&P 500/ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
I agree with the first comment. Despite my rookie knowledge of investing, I have a financial advisor who did the trick in a bit more than 6 months after a lump sum capital of $500k, and I've so far made a fortune. I'm now buying real estates, gold and silver as advised by my FA.
I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Yeah, she is Marissa Lynn Babula , look her up. Anyone is free to contact her.
I've read A LOT of comments here about having a financial planner. I'm not here to tell anyone it's bad advice BUT, no one will care or watch over YOUR money like YOU will. Take the time to learn. It's NOT hard. Lot's of FP are crooks and just looking to make high fee's and or commissions associated with your account. Don't give these people your money because it's not worth the risk. LEARN!
BUY BOTH!
Stocks make more, but real estate can be more leveraged. I can't buy the S&P with only 20% down, but I can buy a rental home. I like stocks because there is less work and they are much more liquid.
I brought a house in 2008 at 280,000 now worth 750,000 same-time I have s&p 100,000 now worth 150,000 .
Which is cause of inflation 😂it's going to be hard to sell the home with people struggling with these prices going up! Which mean your house is useless
How much have you spent in taxes and maintenance costs since 2008? I’d love to see the full picture
i would never ever invest into the sp500 when it goes up mostly because of 4-7 stocks. If you pick just 2 of these correctly you can easily get 2000% more than the sp500.
I would purchase a house if you have a substantial amount of money in investments and stocks and you have enough money for a 20% down payment. In order to be extremely wealthy you need to have investments not just buy real estate and live paycheck the paycheck. If all I had was a 20% down payment and no investments, I would take the money I would’ve used for the house and invested it to grow it and eventually have enough money invested and then wait until I have an extra 20% after my investments are making me income on the side before I buy a house. A lot of people don’t make enough money to do this and that’s why they stay in their current financial situation. In that scenario, they need to find a way to make a substantially larger amount of income or live below their means on what they are making.
A good things about real estate you can buy it with mortgage?/ Can you buy SP 500 with loan????
Of course you can, lol.
I think basically it is advisable to diversify your investment. I am not a financial adviser but from experience you can raise capital from stock investment to buy a house and while you live in the house with your family and you pay your mortgage, you can continue to invest further in the stock by dollar cost averaging and allow the two investment to run side by side. The good thing about stock investment is that you do not need a huge sum of money to invest, you only need to know the right stocks to invest in.
If you don’t own a house you would have to rent. If we are truly comparing investments you have to add rent to the equation.
I would be ahead. If I sold my house and was renting a house the same value I would have several hundred dollars a week extra with what that capital would return on the stock market. What owning a house gives is peace of mind though, that you won't be evicted
More than anything else I am loving the golf course in the background there. This is the type of retirement I look forward to
Definitely stocks, look at NVDA, 10 years back and now.. I could buy 10 homes
I'd love to invest in stocks after listening to a guy on a podcast talk about the importance of investing and how he made over $300k in few months of investing into stocks from $175k initial capital, somehow this video has helped shed light on some things but I'm confused about the current market volatility I'm new to this and I'm open to ideas.
It's difficult to beat the market as an ordinary investor, you don't have access to information that professionals have. So it's just better if you invest with a professional who knows how things work better.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?
'Stacy Lynn Staples' is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.
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.
How about both. 53 Paid house off last year. also built nice 401k & private portfolio. It can be done if you don't blow your money on crap like 95% of society PS Ive never owned a new car.
Im too old to buy a house. I think I'm just going to rent and retire comfortably and travel. I might even spend my first year of retirement on cruise ship. Free meals haha and enjoy the babes
Money doesn’t grow overnight, but with the right investments, it can grow exponentially over time.
Patience is key in investing, just as it is in gardening. Watch your wealth grow over time!
Thanks to my financial adviser, I’ve experienced the benefits of being in the market long enough to see substantial growth.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
Nicole Anastasia Plumlee can't divulge much. Most likely, the internet should have her basic info, you can research if you like.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing.. I will write her an e-mail shortly.
Am already %30 percent this year without any headache's. Most is Index and ETFs. Some stocks like Palantir and Tesla blow up my portfolio 😅
The home you live in is NOT an investment in the way you think it is. The home you live in is definitely not comparable to investing in stocks. Now, if you’re talking abt owing a rental home/unit, that is more comparable and usually a much much better investment than stocks if you do it correctly.
Well if you have to throw $2,000 + away every month on rent you probably don't have money to invest in either....realistically. If you can live with parents or family while saving up for a home that is ideal.
Even if the market didn't pay you as much it's still worth not having the headache of renters
It doesn't make sense to tell people that it's ok to take leverage (mortgage) on a rental property but it's not ok to do that in the stock market. Then you talk about a personal hone you live in, that is not an investment. You generally don't live in a rental property. You should compare investments and remove or include leverage in both.
Invest in stocks is wayyyy better.
I’ve always wondered about this. Thank you for making the video sharing! 🙏🏻
Stocks can bring it more cash flow on daily if you know how to sell options on the shares you have. But real estate has way better tax deductions. I pick stocks all day less headache with tenants and other expenses. 😂
Hi Azul - Thanks for your input. Very helpful!!! Do you have a license series 6 or 7?
Where I live in the Midwest the stock market has appreciated much more than home prices. We've had our house 22 years. It's gone from $200K to I suppose around $400-500K. Great if you're buying because homes are still affordable here. But a doubling of asset value in 20 years isn't so hot compared to what my money in stock based investments has done. Also I've not had to install a new roof or furnace in my S&P 500 index fund ;)
Right. The problem today is people see homes as an asset, its not. It never was. Its a HOME. You need one. THEN you go buy whatever you like to invest in. A home is an expense for most people. Dont treat it like its an asset. Dont try to flip something with borrowed money. Be safe. THEN you can risk (dont go optiontrading!) after you have a home. People are to desperate today to try to get rich quick. ITS NOT POSSIBLE for most people. Take the safe route unless you have a business youd do good in. Either way a home is still neeeded.
@@Bigboss-xe6lm Agreed. The S&P, etc. have made me quite comfortable financially over the time I've been investing. The house has made me comfortable too, but in a different way, especially on cold winter days ;)
@@xlerb2286 Exactly! Different tools for comfort and safety. I like that
I have a question should I buy VOO ( Vanguard S&P 500 ETF ? )
Yes buy voo and nothing else
Such wisdom. Thank you.
Shyt, the S&P 500 is my only option, I can’t afford no darn house….
You have to have a place to stay and a house is not an investment if you have to have it. I think people should get the house they need than want and invest the excess
Why don't people do both. I do. Anything extra cash I have half goes to my stock portfolio and have on a principal payment to my townhouse. 💪🏾💪🏾💪🏾💪🏾u can always go H.A.M. o. Ur stock portfolio for the 1st 15 years and the go H.A.M. on ur property. I couldn't sleep good at knight knowing I have a fully paid property missing out on the stock market. 💰💰💰💰💰💰💰💰💰
I like your approach man! Maybe consider putting a little cash bit into a HYSA so you can have cash in hand to take advantage of stock market corrections. Great job and keep kicking ass.
Renting a home to live in just means you pay someone else’s mortgage, property tax and insurance.
What I know for certain, which ever one I decide to do, buy a house next year or instead max out investing in 401k/roth Ira, it will end up going south, that’s been my luck forever.
Buying a house rocks, sending money to stocks can put you in a cycle when you don't have returns for 20 years
Bought a house for 240k 2014 with $10000 down pay interest 4.25% rent for $2500 today worth $800000 so what is the actual return for the $10k????
Depends which area you are buy a home.
Investing in a home is an exhausting process, while investing in the S &P is a click of the mouse
Or phone
DO YOUR OWN RESEARCH…
AS A STOCKHOLDER YOU MUST PAY CAPITAL GAINS WHEN YOU SELL A STOCK.
REAL ESTATE PRICES WILL CONTINUE TO RAISE AT A FAST PACE, UNLESS THE DEMAND IS LESS THAN THE SUPPLY.
Haha. Most regular folks want a cheap house to survive not to invest
Live in a box and invest all in stocks
In my case I would pick spy sell covered calls and live overseas.
Do both..
Neither houses nor the S&P 500, just Bitcoin
Easy...both!
Why not do both?
buying a home seems so complicated. who created such a difficult system with so many loop holes
Depend what is your need.
Thanks for info 😉👍
Good job Mr. Blue!! ✌🏻
The stock market doesn’t have home owners insurance or property tax or repairs.
Can I invest in a big company in s p 500 like Microsoft or tesla instead of sp 500.?
S/P is all the top companies rolled into one. Single companies have more risk, for example, Bud Light.
Consider this type of approach SPY 40%, SCHD 40%, XLV10%, XLK10% . Do your own due diligence with back testing on "portfolio visualizer" (google this).
Azul is numero uno!
Unless your house goes up in value AT LEAST 100% you will be a NET LOSER, and you will have wasted 15 to 30 years of your life. Buying a house is a losers game. Especially at current prices.
Sweet thumbnail 😂
I'm a millennial that is interested in retirement. I save 20% of my income and hoping that everyone's' doomsday predictions of never-ending appreciation of housing and property will not come true.
None, bitcoin makes more