Not real estate again! The stock market is one of the most enticing sector to invest your money; however, investing in stocks is often risky due to the constant fluctuations that result in huge gains and losses for investors; however, if you can manage the risk, you can use the stock market to secure your financial position and generate income.
Building a good financial-portfolio has been more complex since covid, so I would recommend you seek professional support. This way you can get strategies designed to address your unique long-term goals and financial dreams.
That's accurate. Before realising that I required assistance with diversification, I had thought my financial condition was stable. After I hired a coach, I generated about [$750k] in net profit in less than a year, which is over six times my own salary.
How can one find a verifiable financial Planner, I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.
“Sharon Ann Meny” is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence 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.
The housing market is inflated and oversaturated with homes being on the market with astronomical price tags just stagnant for months. It is very clear that our generation will be likely one of the most devastating bubble pops in modern history. Seeking best possible ways to grow 250k into $1m+ and get a good house for retirement, I'm 54
The stock market is likely the best smart investment. However, if you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
I agree. I've been working with a financial advisor since 2020, and I return up to 12k 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.
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
Find land and build a home then sell it. Then rinse and repeat. U will be a millionaire by the 4th house. Will likely take u 6 years. Take advantage of inflated prices dont complain abou them
After creating a ridiculous spreadsheet comparing real estate and stocks I came to the conclusion that real estate has a somewhat higher return than stocks. But I was honest with myself and concluded that I wasn't willing to put in the work to do real estate and that I would rather have the extra free time. I haven't regretted my decision.
That’s fair, at least you’re honest, this guy Graham is a complete liar and hypocrite. Its gross. It’s like his end goal is to deceive people and throw up click bait for views. Instead of helping people who need to get educated, he deceives them with Clickbait
@@McNelisG This is the first vid of his I've seen in a while. His 2017~2020 videos and older he gives solid advice then. I feel like he has covered so much financial content he's running out of original ideas. Kinda unavoidable when you make specific content. (Love your work Graham)
Real Estate isn't as passive as people think. It's a lot of work and expenses. Repairs maintenance, taxes, insurances etc can wipe you out. Being a full-time landlord is a job, dealing with tenants is a hassle. You're paying more interest on your loan than the house cost itself. Most rental owners I know are very tight with liquid cash, they are barely cash flowing and under constant pressure. Index funds are way better, index funds won't call you 3am at night about a flooding toilet.
Your last sentence says it all. When my husband and I got married I considered keeping my house and renting it out. My husband convinced me that I don't want to be a landlord, especially a residential landlord. Too many headaches. He had been a commercial landlord for a period of time and was glad to be done with that.
Valid af its work but most prefer to work for themselves have "control" over an asset stocks are controlled by Pelosi and friends. So either way its all a game I just prefer not to be around shady digital manipulated and corrupted numbers on a screen aka stock market. God Bless and definitely diversify and stay committed either way 🙏
With all things being equal (if that's possible) the best landlord's on balance are those with a property that is paid off. Underfunded landlords are a pain in the ass for the renter and for the owner themselves. Friends of mine have many rental properties but every one of them is paid off. They never rent a house with a mortgage. They buy a house and live in it and do a rapid pay off of the mortgage once paid off that becomes a rental. Repeat the process. Today they no longer need to move they just save up money from their rentals for their next purchase. Since the property is paid off they can be very selective to who they rent to plus their rents are 25% to 40% less than the going rate. Why?? Very low turnover of renters who pay on time and don't beat the crap out of the property!
I believe investors should always put their cash to work, especially now that we're in 2025, as we'll start to see more market diversification. Given the recent performance of stocks, it's safe to say that the stock market is the smartest investment option available. I hope others feel same way.
Of course, you are not alone.. However, if you are investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. I have been making more with less risk since i started working with one
I don’t let uncertainties sway my judgment based on hearsay. Back in 2020, I was holding onto some poor stocks, but I was fortunate enough to revamp my portfolio with a professional's help before I saw some significant gains. To date, I’ve achieved nearly a 320% ROI over the last four years. My advisor and I are now working towards a seven-figure target, and we’re getting close.
I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Absolutely, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Brenda Davies Clarke” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
It has never been easier to understand how to build your money than it is right now, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
I appreciate your commitment to guiding others toward financial success. We all strive for security and a better quality of life, and this can be achieved through smart investments, mindful spending, and effective budgeting. I'm thankful I discovered the value of hard work and financial independence early on in my journey.
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
It is true that advisers' roles can be disregarded, yet they cannot be disputed. I was astonished to discover that, aside from my CEO salary, investment brought in more money than hard labour. In just five years, earning a "return on investment" brought me millions of dollars.(However, I still like my job.)
thanks for the lead, curiously searched Sharon by her full name, easily spotted her consulting page and was able to schedule a call session, she seems highly professional from her resumé
I borrow the equity in my house and get monthly payments or a lump amount; I'm not required to pay back the debt until I sell it, move out, or die. but obtaining the financing and using a reliable advisor to invest it.
Well, what makes me an outlier I guess! I am 57 year-old English immigrant, with zero interest in tech or stocks, and yet I am 110% committed to Bitcoin. I would describe myself as an extreme conservative/libertarian. I have been involved in UK politics for some time, and the main thing that drove me to study Bitcoin and ultimately recognise its value to Humanity was the threat posed by an over-weening government, first in the UK and lately in the US also. I regard the CBDC as the final brick in the wall of the totalitarian prison the world's governments are building for us. And Bitcoin is the ultimate defence against a tyrannical government.r.....I've been engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Francine Duguay, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
The pump and dump has been a perfect eyeopener for us all to really see how unpredictable the market can be and the need for us to be trading not just seat and hodl.
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
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
I tried to do rentals at a 7+% interest rate. The cash on cash return is so low it's not even close to being worth the time/stress. If I just invested the down payment I wouldn't have lost money on the closing cost and would have made 30% on a simple S&P index ETF. IMO don't listen to these gurus that say to buy real estate, just buy index funds and if you really want some real estate just buy a stock REIT. You get your passive income, little risk and high liquidity.
In the current economic climate, a home is not the best investment. I want to invest roughly $200,000 in stocks since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?
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 agree. Based on personal experience working with an investment advlsor, I currently have $985k in a well-diversified portfollo that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable.
While I've found that owning a home and rental properties haven't been the most lucrative investments for me, I still cherish the experience and sense of ownership. However, I've come to realize that the stock market is where I can truly grow my wealth.
What you’re failing to point out is that if you bought a house at the peak of the market in 2007-2008 and held it till today, you’d still have almost doubled your money. My point is, that it’s always a good time to buy, it might not be a good time to buy a property to turn it into a rental. You’re only giving 1/2 of the story.
As you mentioned, it is very hard to quantify and put a price on your own place. I was determined and in late 2023 I found my house, got a great deal because so many people were avoiding the market due to rates, and it has been a great experience. Tons of work, plenty of surprises one of which was fairly costly. But I bought a house well within my means and my mental health is so much better since I'm no longer having to not do hobbies or sneak working my cars in my apartment garage lol. It's not an investment, it's a place to live and one of the best decisions I have ever made. Never looked at my house as an investment, and was always determined to make it happen. I'm just over a year with no regrets and do as much work as I can myself and back to my hobbies and enjoying myself.
Many real estate agents I spoke to said the same thing- don't look at house as an investment although buying one at good location with good education system are plus. Buy a house when you NEED it. To simply make more money, putting money in Index fund will most likely provide higher return than the house for the same given period.
Thanks for the comment. I’m seriously looking at buying a condo in the next month or two (despite the massive prices) because I want to have my own garage, office…etc I know stocks go up much more (though real estate is leveraged), but if it works out I think I’m still going to buy. I just want a home. I’ll still rent to a roommate to bring down my sunk costs (not going to equity) to similar to rent, but that way I get to choose my own roommate/use my own space…etc
Harder now for the average person to afford homes we're being priced out from being able to own a property by people who keep buying up homes and renting it out
Agreed, if I were just starting out with investing today then Stocks has a much lower barrier to entry. You can start with just a few dollars. Real estate takes much more capital
The fact that there is already an excessive amount of demand awaiting its absorption, despite how everyone is frightened and calling the crash, is another reason why it is less likely to occur that way. 2008 saw no one, at least not the broad public, making this forecast, as I'll explain below. The ownership rate was noted to have peaked in 2004 in the other comment. Having previously peaked in the second quarter of 2020, we are currently at the median level. Between 2008 and 2012, it dropped by 3%, and by the second quarter of 2020, it had dropped from 68 to 65.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Actually, I'm not sure if I'm allowed to mention this, but I'd recommend looking up "Lisa Grace Myer” because she was a big deal in 2020. She manages my portfolio and serves as both my coach and my manager.
I do love the control of my return in real estate vs throwing darts at some funds, hoping the fund performs well. But I have both. Most of my assets are real estate and it teaches my kids how to work hard. Great video though! I just subscribed!
@@zulu3779the ole SPY is was I use. Anything the tracks the s&p 500 is fairly stable. Be sure you understand what you are purchasing before you listen to a random person on the internet though 😅
From $37K to $45K that's the minimum range of profit return every week I think it's not a bad one for me, now I have enough to pay bills and take care of my family
True, I have been in touch with a brokerage advisor. With an initial starting reserve of $12k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $110k
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 since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?
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 concur. I currently have $985k in a well-diversified portfolio that has grown exponentially, based on my own experience working with an investment advisor. Investing in stocks requires more than just financial resources; you also need to be informed.
I have worked with a few financial advisors before now but i ultimately settled for 'Annette Marie Holt'. She is SEC regulated and licensed in US. You can easily look her up
Bought my home in 2021 at 2.625%, we got so lucky. I was 23 and had no idea what I was doing. I was a homeless kid and no one in my family could offer any advice. I can't wait to get to the point where I'm investing more and things just start to snowball. I know it's exponential, but it's hard being on the part of the curve where it feels like progress is still so slow.
DO NOT GET INTO MORE DEBT. As someone whose parents made me buy a car way expensier that I wanted/could afford, your money is your best asset since when you have enough of it you can get better deals. You dont really need this advice but for anybody who can read this
Close as it gets to winning the lottery lol be frugal and don’t overspend, live there (i doubt you can rent anything cheaper) and invest as much as possible
I bought in 2019 in Denver, and I felt the same way. No idea what I was doing. I was terrified the market would crash right after I bought in. In 2021 I refinanced and went from a 4.5% to 2.8%. I have 500k in equity 5yrs later. Can’t even believe it. Grateful I didn’t wait.
Graham, I must say that the imbedded ads you do are turning me away from your channel. I pay for ad-free TH-cam yet creators like you force commercials on me anyway. Unless you content is top shelf, I'm just not tuning in much anymore just to avoid the ads. Just so you know...
I have horror stories owning a rental. my left right and behind neighbors are giving me trouble in turn. my property leaks every couple of month and there was a big leak and 10+k is gone. sometime late ish night, tenant have no heat/AC. sometime late ish night, tenant clogged the sewer line. sometime tenant complains about other tenant's garbage placement. sometimes, hurricane comes, my house leaks. sometimes, tenant appliants broke. I only cash flow about $300 for this property. And i have a fking full time job. 300 for all this trouble? I have absolute 0 interest in managing properties. I m deep in negative atm. to make it worse, i m seeing moderate increase on home insurance, property tax and massive jump of utility bill while I hesitate to ask my tenant pay more rent.
@@alexwenger9655 lol We are supposed to feel bad for the landlord. You missed that memo? They sign up knowing all the risks, then they whine and we are supposed to feel bad. Get with the program bro.
I’m surprised you didn’t make another video about the housing market crash. You’ve been saying it’s going to crash every single year multiple times throughout the year for at least the six years.
Have you ever watched those videos? Or do you just read the title and not click? I have never called for a housing crash, if you actually watch the videos I’ve been pretty optimistic for housing.
@@GrahamStephannahhh sorry graham. I like you but you have made thumbnails with houses on fire saying crash coming. Clear value tax has called you out on it.
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
There's also a lack of discussion about the role that major financial institutions-banks, private equity firms, and giants like BlackRock-played by purchasing properties post-2008, treating them as investment assets. It's impossible to fully understand the current housing crisis without acknowledging this trend. Additionally, larger luxury properties are inherently more profitable than smaller, more affordable homes, leading developers to prioritize luxury developments for higher returns.
While I anticipate a future decrease in home prices, I currently recommend diversifying investments away from real estate. Shifting capital into the financial markets or commodities like gold is a safer bet given the current high mortgage rates, recession indicators, and tightened lending standards. Housing prices might need to correct by 40-50% before the market stabilizes. In uncertain times like these, getting independent financial advice from a market-savvy expert is essential.
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Appreciation figure of single family homes depends on who you ask. Of course NAR cites a large number. Yale number of US single family homes is between 1915 and 2015 is 0.5% annually after inflation and sunken costs. I tend to believe the return is closer to the .0.5% rather than the real estate self serving number
The challenge is that whether you rent or own, there are unavoidable costs associated with maintaining a permanent residence-property taxes, insurance, and utilities like electricity, gas, and water. In places like California, where I currently live, the high cost of living has pushed many people to opt for alternatives. It’s not uncommon to see individuals living in tents to avoid property-related expenses, and the number of people I encounter who reside in their cars is truly surprising. It’s a sign of how extreme the situation has become.
The market continues to escalate daily. Home prices are exorbitant, and mortgage rates have surged beyond 7%. I often debate whether it's smarter to park my cash in the stock market and wait for a potential housing crash or bite the bullet and purchase a home now.
I understand your concerns. I'm 50 and planning to retire early, and the uncertainty of the financial future, especially around housing and investments, is concerning. I’m also considering my first stock market investment, but the volatility this year has been intimidating.
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
This video is such an eye-opener! Graham does an incredible job breaking down the pros and cons of investing in real estate versus stocks with clear, detailed numbers. It’s so refreshing to see a balanced perspective that shows real estate isn’t always the guaranteed winner people think it is-especially in today’s market with higher interest rates and rising costs. The takeaway for me: success in either strategy depends on timing, research, and knowing your personal goals. Real estate can be powerful if you buy smart and manage well, but index funds are an amazing, low-maintenance option for consistent long-term growth. Thank you, Graham, for always being transparent and putting out content that genuinely helps people make informed financial decisions. Truly one of the most valuable channels out there!
@@michaelmich00 you got me 😕 I used ChatGPT to create a summary of Graham's video to hopefully add value to anyone who read it. If that makes me a bot, nice to meet you 👋🏼🤖
Investing does not need to be complicated. In fact, the simpler the better in my opinion. I'm retired and did so at age 42 with about $1.8M for two people. We had an advisor from Morgan Stanley in our corner. Maxed 401k for many years and then saved additional in index funds in taxable account. Our rate of return has been around 10%
Agreed. I have some fun money in RH but the big majority is managed by Morgan Stanley. I actually outperformed them last year but the value they’ve added in other ways over the last several years is well worth it for me.
I remember when I trusted this guy enough to put money into one of his "completely safe" banks he recommended. Now thousands of us are out millions and millions of dollars combined. Houses foreclosed on, savings gone, people without food. The unfortunate reality of misplacing trust in a financial youtuber.
$500 in XAI97C is relatively small but the 1000% or 2000% for next year, btw that does make sense if you understand them, is actually a steal and should be used
Ive been torn, my partner wants to buy a house but the average mortgage in our area is 3800+ meanwhile i can rent something similar for 2500, i dont want to buy right now id prefer to rent and save, but my partner is super pushy, but im holding my ground because i think its the worse time to buy
Buy now. Since interest is high, the house price will be lower which means property tax will be lower. Also, no bidding war. After a year, you can refinance when the feds cut the rates. Then you get triple benefit, low house price, low property tax, and lower interest.
@@rishabhjain2404you don't know how this works. The Fed has already cut short term rates, but they don't control mortgage rates which are long term. Short term rates came down but long term rates have gone up.
Just the viedo I wanted to see, I own myself 15 rental apartments here in Poland. Mostly purchased them prior to 2021-2022. They have appreciated well and yielded robust returns so far. Those bought in 2023 and 2024 are not performing so well now (high purchase and remodelling price). I am now considering swapping to dividend stocks and etfs, as property prices are so high, repairs and maintenance costs have gone sharply up, and all the issues that may crop up with the tenants. Stock market is hassle-free, especially as you are getting older.
Isn't it a bit strange to support dollar cost averaging with stocks, which suggests there is a never a bad time to buy stocks, including when they appear expensive. And, yet not support buying a house in 2025 because it appears to be expensive? What happens to the would be homebuyer that buys stocks instead when their stocks correct, and property values continue to increase, making purchasing a home even further out of reach?
I like the perspective that investing into real estate is more of a side hustle than an investment. It’s a high ROI side hustle since you’re building equity through renting out to tenants and doing upgrades/renovations slowly over time
Hi CaptainC0n. Great update on your cdl experience. My uncle is a lifelong trucker, and we enjoy Ats. Honestly, de-cal the way you pronounce it is awesome. Keep up the great work friend.
Pulled 2k outta Elizzarda yesterday, thinking about either jumping into a solid token or putting it back in. What do you think, which ones are gonna moon soon?
I recommend your first home be a 2-4 unit property in the best area-best schools, low crime. Owner occupied one unit gets favorable financing. After a year or two can buy another it buy a house and rent all units.😊
With the style of real estate investing he described, yes stocks are better than buying a $500k house that rents for $3,500/mo with high interest rates. Real estate can be better if you find properties where rent = 1% or more of the purchase price or if you find deals that have equity in them.
REITs are better then real estate right now. The valuation is historically low in REITs like post 2008. While real estate is overvalued for trash propertys. High quality assets with management, not having to waste time on anything.
You are correct 100%. I purchased all my 25 houses before 2015 I laugh at everyone who says they are making money on today's prices....you have to buy it right
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
If you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
My CFA ’’ Sharon Ann Meny, 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.
Just remember. Behind every real estate investor what makes tons of money is family what goes pay check to pay check due to this type of greedy parsites.
Real estate investments all depend on area and timing, first rule of investing in real estate is never buy something you can't hold on to besides location, location, location. Right now the risks from renting out your buildings are huge and getting worse every year in California. I used to be a landlord for almost 40 years, would not play the game now as risk reward are just not there.
Stocks in my opinion (multiple funds/mutual fund) is easier to maintain than a home. You don't have the stress of renters. You don't have the stress of taxes until you withdraw excluding dividends. Less work. Stocks also don't depreciate or need constant maintenance or repairs. Yes the stock market can tank which is why you put the money in multiple index funds to have a safety net.
You completely omitted the most important differentiation between the two assets.. taxes! Stocks and RE are comparable until you show that with RE year over year you’re able to write off nearly all of your income taxes; then the ROI skyrockets.
Nice analysis, but real estate is king for people concerned about taxes, particularly high income folks. After considering taxes and creative strategies taking advantage of short term rental exception, real estate wins. If you’re married with a non working spouse, it’s not even close….
Maybe I missed it, but I don’t see the aspect of your renters paying the mortgage off in your calculations. If you bought a house for $100k and the renters paid it off, you basically get a free house. My realtor had 25 rentals. After the renters paid them all off, he took loans out on most of them, kept the cash tax free and started the process over again.
Its not a direct comparison, dont forget that investing into real estate its a real job. Its an active source of income and you spend a lot of time finding the best location, finding deals and selling the property while also investing in maintenance . While with investing in the sp500 its passive income.
Hey, there’s something important to keep in mind if you own rental real estate. You can write off a significant amount of the cost, not to mention property taxes and other expenses. And guess what? If you decide to sell your property, you might qualify for the Homestead exemption, which can save you up to 250,000 per person or 500,000 for a married couple. That’s a whopping 500,000 in gains that won’t be taxed! But here’s the catch: if you sell that stock, you’ll have to pay all the taxes, no exceptions. So, it’s a double-edged sword. This video is definitely not accurate and could be considered disinformation.
Tax free retirement accounts exist. And you are able to pull money out of those accounts before retirement (in many cases, avoiding early withdrawal penalties).
Read and watch as much as you can about finances. You can learn anything. Financial planners can be good or bad. You are responsible for your money no matter what an advisor recommends
Hope mentally your pullback from TH-cam has been working out for you. Miss your videos on the regular. Appreciate this one in particular as I always feel like I’m missing out not owning an investment property.
Not real estate again! The stock market is one of the most enticing sector to invest your money; however, investing in stocks is often risky due to the constant fluctuations that result in huge gains and losses for investors; however, if you can manage the risk, you can use the stock market to secure your financial position and generate income.
Building a good financial-portfolio has been more complex since covid, so I would recommend you seek professional support. This way you can get strategies designed to address your unique long-term goals and financial dreams.
That's accurate. Before realising that I required assistance with diversification, I had thought my financial condition was stable. After I hired a coach, I generated about [$750k] in net profit in less than a year, which is over six times my own salary.
How can one find a verifiable financial Planner, I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.
“Sharon Ann Meny” is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence 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.
The housing market is inflated and oversaturated with homes being on the market with astronomical price tags just stagnant for months. It is very clear that our generation will be likely one of the most devastating bubble pops in modern history. Seeking best possible ways to grow 250k into $1m+ and get a good house for retirement, I'm 54
The stock market is likely the best smart investment. However, if you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
I agree. I've been working with a financial advisor since 2020, and I return up to 12k 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.
Could you kindly elaborate on the advisor's background and qualifications?
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
Find land and build a home then sell it. Then rinse and repeat. U will be a millionaire by the 4th house. Will likely take u 6 years. Take advantage of inflated prices dont complain abou them
After creating a ridiculous spreadsheet comparing real estate and stocks I came to the conclusion that real estate has a somewhat higher return than stocks. But I was honest with myself and concluded that I wasn't willing to put in the work to do real estate and that I would rather have the extra free time. I haven't regretted my decision.
Facts
W
That’s fair, at least you’re honest, this guy Graham is a complete liar and hypocrite. Its gross. It’s like his end goal is to deceive people and throw up click bait for views. Instead of helping people who need to get educated, he deceives them with Clickbait
💯
@@McNelisG This is the first vid of his I've seen in a while. His 2017~2020 videos and older he gives solid advice then. I feel like he has covered so much financial content he's running out of original ideas. Kinda unavoidable when you make specific content. (Love your work Graham)
Real Estate isn't as passive as people think. It's a lot of work and expenses. Repairs maintenance, taxes, insurances etc can wipe you out. Being a full-time landlord is a job, dealing with tenants is a hassle. You're paying more interest on your loan than the house cost itself. Most rental owners I know are very tight with liquid cash, they are barely cash flowing and under constant pressure. Index funds are way better, index funds won't call you 3am at night about a flooding toilet.
Your last sentence says it all. When my husband and I got married I considered keeping my house and renting it out. My husband convinced me that I don't want to be a landlord, especially a residential landlord. Too many headaches. He had been a commercial landlord for a period of time and was glad to be done with that.
Valid af its work but most prefer to work for themselves have "control" over an asset stocks are controlled by Pelosi and friends. So either way its all a game I just prefer not to be around shady digital manipulated and corrupted numbers on a screen aka stock market. God Bless and definitely diversify and stay committed either way 🙏
With all things being equal (if that's possible) the best landlord's on balance are those with a property that is paid off. Underfunded landlords are a pain in the ass for the renter and for the owner themselves.
Friends of mine have many rental properties but every one of them is paid off. They never rent a house with a mortgage.
They buy a house and live in it and do a rapid pay off of the mortgage once paid off that becomes a rental. Repeat the process. Today they no longer need to move they just save up money from their rentals for their next purchase.
Since the property is paid off they can be very selective to who they rent to plus their rents are 25% to 40% less than the going rate. Why?? Very low turnover of renters who pay on time and don't beat the crap out of the property!
RE is 0% passive, stocks are 100% passive
oh yh all for long term net worth appreciation
I believe investors should always put their cash to work, especially now that we're in 2025, as we'll start to see more market diversification. Given the recent performance of stocks, it's safe to say that the stock market is the smartest investment option available. I hope others feel same way.
Of course, you are not alone.. However, if you are investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. I have been making more with less risk since i started working with one
I don’t let uncertainties sway my judgment based on hearsay. Back in 2020, I was holding onto some poor stocks, but I was fortunate enough to revamp my portfolio with a professional's help before I saw some significant gains. To date, I’ve achieved nearly a 320% ROI over the last four years. My advisor and I are now working towards a seven-figure target, and we’re getting close.
I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Absolutely, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Brenda Davies Clarke” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
It has never been easier to understand how to build your money than it is right now, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
I appreciate your commitment to guiding others toward financial success. We all strive for security and a better quality of life, and this can be achieved through smart investments, mindful spending, and effective budgeting. I'm thankful I discovered the value of hard work and financial independence early on in my journey.
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
It is true that advisers' roles can be disregarded, yet they cannot be disputed. I was astonished to discover that, aside from my CEO salary, investment brought in more money than hard labour. In just five years, earning a "return on investment" brought me millions of dollars.(However, I still like my job.)
Could you possibly recommend a CFA you've consulted with?
Credits goes to “Sharon Ann Meny” one of the finest portfolio managers in the field. She's widely recognised; you should take a look at her work.
thanks for the lead, curiously searched Sharon by her full name, easily spotted her consulting page and was able to schedule a call session, she seems highly professional from her resumé
I can't even remember when "what's up graham, it's guys here" started anymore
Wow didn’t catch that until i saw your comment.
Wow , what does that even mean? Whats up graham? ...who's he talking to? So hes name is guys? Not graham?
He used to say "correctly" and people in chat responded as "what's up graham, it's guys here", so he started saying that instead 😄
up
it was 3+ years ago IIRC
Turning home equity into monthly cash flow can be an appealing way to leverage the value of your home without selling it
I borrow the equity in my house and get monthly payments or a lump amount; I'm not required to pay back the debt until I sell it, move out, or die. but obtaining the financing and using a reliable advisor to invest it.
@@oliviarenereyes i don't think that's a wild decision but thats okay being worth the risk. who's she if you don't mind.
@@LanceyRoche My CFA Susan Kay Mack a renowned figure in her line of work. I recommend researching her credentials further.
Thanks for the tips! I was curious, so I did a little research and looked up the name.
Another bot conversation
Well, what makes me an outlier I guess! I am 57 year-old English immigrant, with zero interest in tech or stocks, and yet I am 110% committed to Bitcoin. I would describe myself as an extreme conservative/libertarian. I have been involved in UK politics for some time, and the main thing that drove me to study Bitcoin and ultimately recognise its value to Humanity was the threat posed by an over-weening government, first in the UK and lately in the US also. I regard the CBDC as the final brick in the wall of the totalitarian prison the world's governments are building for us. And Bitcoin is the ultimate defence against a tyrannical government.r.....I've been engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Francine Duguay, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
The pump and dump has been a perfect eyeopener for us all to really see how unpredictable the market can be and the need for us to be trading not just seat and hodl.
Got a chance to benefit from her services a few weeks ago and it has been a very smooth experience.
Thank you…. I have searched her up Google I think I am satisfied with her experience.
Best signal provider in the market. Knowledgeable, level headed no loss like some other traders who recently jumped on the bandwagon
The fact that i got to learn and earn from her program is everything to me think about it, it's a win win for both ways
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
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.
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
Honestly Graham this is one of your best videos in a long time.
Agreed
You have to put 50% down on a house to break even if you rent it out. It doesn’t make sense at all in today’s market.
@@romangabriel007 only if you don’t have money.
@@McNelisGexactly. You shouldn't finance a rental. Just wait and buy in cash.
@joe_ferreira I wouldn't want to lock up that amount of cash into one property when you could finance it
Nope! Put that money in index or mutual fund make way more money than the rental property. Maintenance free!
@@joe_ferreirait’s always better to leverage others money instead of yours
Been collecting the XAI97C this cycle as that has the right place in this time
I tried to do rentals at a 7+% interest rate. The cash on cash return is so low it's not even close to being worth the time/stress. If I just invested the down payment I wouldn't have lost money on the closing cost and would have made 30% on a simple S&P index ETF.
IMO don't listen to these gurus that say to buy real estate, just buy index funds and if you really want some real estate just buy a stock REIT. You get your passive income, little risk and high liquidity.
In the current economic climate, a home is not the best investment. I want to invest roughly $200,000 in stocks since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?
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 agree. Based on personal experience working with an investment advlsor, I currently have $985k in a well-diversified portfollo that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
Annette Christine Conte 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 up, and I have sent her an email. I hope she gets back to me soon.
While I've found that owning a home and rental properties haven't been the most lucrative investments for me, I still cherish the experience and sense of ownership. However, I've come to realize that the stock market is where I can truly grow my wealth.
Super interesting breakdown! And thanks for the shoutout!!
What you’re failing to point out is that if you bought a house at the peak of the market in 2007-2008 and held it till today, you’d still have almost doubled your money. My point is, that it’s always a good time to buy, it might not be a good time to buy a property to turn it into a rental. You’re only giving 1/2 of the story.
Some of the most honest advice I’ve seen , super refreshing to hear. Thanks Graham !
How long can we bring XAI97C up?
As you mentioned, it is very hard to quantify and put a price on your own place. I was determined and in late 2023 I found my house, got a great deal because so many people were avoiding the market due to rates, and it has been a great experience. Tons of work, plenty of surprises one of which was fairly costly. But I bought a house well within my means and my mental health is so much better since I'm no longer having to not do hobbies or sneak working my cars in my apartment garage lol.
It's not an investment, it's a place to live and one of the best decisions I have ever made. Never looked at my house as an investment, and was always determined to make it happen. I'm just over a year with no regrets and do as much work as I can myself and back to my hobbies and enjoying myself.
Many real estate agents I spoke to said the same thing- don't look at house as an investment although buying one at good location with good education system are plus. Buy a house when you NEED it. To simply make more money, putting money in Index fund will most likely provide higher return than the house for the same given period.
Thanks for the comment. I’m seriously looking at buying a condo in the next month or two (despite the massive prices) because I want to have my own garage, office…etc I know stocks go up much more (though real estate is leveraged), but if it works out I think I’m still going to buy. I just want a home. I’ll still rent to a roommate to bring down my sunk costs (not going to equity) to similar to rent, but that way I get to choose my own roommate/use my own space…etc
The freedom is different, good for you!
this is exactly my mentality right now and I'm looking for a place. I will not be deterred.
I personally love Real Estate. I have multiple houses and own a hotel. I am invested in Stocks as well because its smart to be diversified.
Agreed, lately it seems like real estate has been much larger to see a positive return
stocks are way better if you're just an average joe not looking to invest thousands of hours and $$$
Harder now for the average person to afford homes we're being priced out from being able to own a property by people who keep buying up homes and renting it out
Agreed, if I were just starting out with investing today then Stocks has a much lower barrier to entry. You can start with just a few dollars. Real estate takes much more capital
You are the reason so many Americans are homeless. You own multiple houses.
Great video. I am ballsdeep for XAI97C and love your review for that as well
No bull run can exist without the impressive XAI97C
The XAI97C uses different AI which has not been used by anyone, it makes sense and it should allow steady growth with no human interference needed
The fact that there is already an excessive amount of demand awaiting its absorption, despite how everyone is frightened and calling the crash, is another reason why it is less likely to occur that way. 2008 saw no one, at least not the broad public, making this forecast, as I'll explain below. The ownership rate was noted to have peaked in 2004 in the other comment. Having previously peaked in the second quarter of 2020, we are currently at the median level. Between 2008 and 2012, it dropped by 3%, and by the second quarter of 2020, it had dropped from 68 to 65.
Real estate and stock investments may be good decisions, especially if you have a solid trading strategy that can see you through prosperous days.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Actually, I'm not sure if I'm allowed to mention this, but I'd recommend looking up "Lisa Grace Myer” because she was a big deal in 2020. She manages my portfolio and serves as both my coach and my manager.
100% correct, the numbers no longer work right now. I've moved from real estate to index too. Glad I got my rentals prior to the boom
I think one thing you’ve missed in the comparison is capital gains taxes on stocks if you’re not investing in a retirement account.
I do love the control of my return in real estate vs throwing darts at some funds, hoping the fund performs well. But I have both. Most of my assets are real estate and it teaches my kids how to work hard. Great video though! I just subscribed!
XAI97C is eating alt coins. if any alt coin gotta mark the XAI97C
Will ETH 2x? 3x? Maybe. But add two more 00 to that for XAI97C having 200x or better
BRETT and XAI97C are ATH kings. Thank you for making my day with your POV
Sticking to index funds, no hassle and great wealth builder. Easy money :).
Agreed!
What index fund do you recommend?
I have fidelity
@@zulu3779the ole SPY is was I use. Anything the tracks the s&p 500 is fairly stable. Be sure you understand what you are purchasing before you listen to a random person on the internet though 😅
@@GrahamStephan what will you do when the housing market crash?
Any recommendations for index funds?
From $37K to $45K that's the minimum range of profit return every week I think it's not a bad one for me, now I have enough to pay bills and take care of my family
Anyone who's not in the financial market space right now is making a huge mistake. Simply get a coach and make your money work for you
True, I have been in touch with a brokerage advisor. With an initial starting reserve of $12k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $110k
Please can you leave the info of your investmentadvisor here? I'm in dire need of one
Elise Bernadette Murray is her name. She is regarded as a genius in her area. Just search her name on the internet
she's active on What's Apps!!
He forgot the real estate tax breaks
Where can I buy the XAI97C
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 since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?
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 concur. I currently have $985k in a well-diversified portfolio that has grown exponentially, based on my own experience working with an investment advisor. Investing in stocks requires more than just financial resources; you also need to be informed.
@@j.ottinger Could you kindly elaborate on the advisor's background and qualifications?
I have worked with a few financial advisors before now but i ultimately settled for 'Annette Marie Holt'. She is SEC regulated and licensed in US. You can easily look her up
Thanks a lot for this recommendation. I just looked her up, and I have sent her an email. I hope she gets back to me soon.
Damn rich people keep getting richer and poor people keep spending and make them rich , the cycle keeps continuing!
HUMMM should I buy more stocks or houses??? maybe ill sell some of my houses and buy more stocks SMH. this video hits like dodo.
Poor people also save money instead of holding assets.
Bought my home in 2021 at 2.625%, we got so lucky. I was 23 and had no idea what I was doing. I was a homeless kid and no one in my family could offer any advice. I can't wait to get to the point where I'm investing more and things just start to snowball. I know it's exponential, but it's hard being on the part of the curve where it feels like progress is still so slow.
DO NOT GET INTO MORE DEBT. As someone whose parents made me buy a car way expensier that I wanted/could afford, your money is your best asset since when you have enough of it you can get better deals. You dont really need this advice but for anybody who can read this
Keep that loan do not pay it off no matter what debt-o-phobes tell you.
Just buy snp 500 and wait.
Close as it gets to winning the lottery lol be frugal and don’t overspend, live there (i doubt you can rent anything cheaper) and invest as much as possible
Lucky you im 32 now anf wish i was able to afford a house where i work. Gotta live with my parents still.
I bought in 2019 in Denver, and I felt the same way. No idea what I was doing. I was terrified the market would crash right after I bought in. In 2021 I refinanced and went from a 4.5% to 2.8%. I have 500k in equity 5yrs later. Can’t even believe it. Grateful I didn’t wait.
The importance of community governance in XAI301F$ cannot be overstated.
1:01 Graham you caught me off guard there bro😂
😂😂😂😂😂😂
Is XAI97C still usable? I wanna have some of that
Closing on my first house day after tomorrow
Congratulations! 🏠
Graham, I must say that the imbedded ads you do are turning me away from your channel. I pay for ad-free TH-cam yet creators like you force commercials on me anyway. Unless you content is top shelf, I'm just not tuning in much anymore just to avoid the ads. Just so you know...
He posts these videos for free with very valuable information and it takes five seconds to skip through his ads. Stop complaining.
I have horror stories owning a rental.
my left right and behind neighbors are giving me trouble in turn.
my property leaks every couple of month and there was a big leak and 10+k is gone.
sometime late ish night, tenant have no heat/AC.
sometime late ish night, tenant clogged the sewer line.
sometime tenant complains about other tenant's garbage placement.
sometimes, hurricane comes, my house leaks.
sometimes, tenant appliants broke.
I only cash flow about $300 for this property.
And i have a fking full time job.
300 for all this trouble?
I have absolute 0 interest in managing properties.
I m deep in negative atm.
to make it worse, i m seeing moderate increase on home insurance, property tax and massive jump of utility bill while I hesitate to ask my tenant pay more rent.
I feel your pain as a landlord. It's exceptionally nightmarish if you're in the east or west coast 😢
It's not just $300... you're also getting someone else to pay off your house
@@alexwenger9655 lol We are supposed to feel bad for the landlord. You missed that memo? They sign up knowing all the risks, then they whine and we are supposed to feel bad. Get with the program bro.
@@justindearing2832 bro is forgetting about a huge chunk of the value tho
@@alexwenger9655 bro, i m trapped with $300 for 30 years.
I’m surprised you didn’t make another video about the housing market crash. You’ve been saying it’s going to crash every single year multiple times throughout the year for at least the six years.
Have you ever watched those videos? Or do you just read the title and not click? I have never called for a housing crash, if you actually watch the videos I’ve been pretty optimistic for housing.
When the market collapses, Graham will have to pick up a hammer and get a manly job. Then maybe he won't speak like a beta.
@@GrahamStephanso you admit to clickbaiting
@@GrahamStephanwhere is the best place to buy a rental property at the moment?
@@GrahamStephannahhh sorry graham. I like you but you have made thumbnails with houses on fire saying crash coming. Clear value tax has called you out on it.
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
There's also a lack of discussion about the role that major financial institutions-banks, private equity firms, and giants like BlackRock-played by purchasing properties post-2008, treating them as investment assets. It's impossible to fully understand the current housing crisis without acknowledging this trend. Additionally, larger luxury properties are inherently more profitable than smaller, more affordable homes, leading developers to prioritize luxury developments for higher returns.
While I anticipate a future decrease in home prices, I currently recommend diversifying investments away from real estate. Shifting capital into the financial markets or commodities like gold is a safer bet given the current high mortgage rates, recession indicators, and tightened lending standards. Housing prices might need to correct by 40-50% before the market stabilizes. In uncertain times like these, getting independent financial advice from a market-savvy expert is essential.
How can I find a trusted financial planner like yours?
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Big shoutout for mentioning XAI97C and SUI. These two look like the future to me. Holding both tight!
You should be comparing a leveraged real estate deal to a leveraged stock portfolio.💰
That would be the fairest comparison
Really appreciate the transparency in all your videos
You got it!
Appreciation figure of single family homes depends on who you ask. Of course NAR cites a large number. Yale number of US single family homes is between 1915 and 2015 is 0.5% annually after inflation and sunken costs. I tend to believe the return is closer to the .0.5% rather than the real estate self serving number
I am comitted with XAI97C and a bit of ADA, too much potential
The challenge is that whether you rent or own, there are unavoidable costs associated with maintaining a permanent residence-property taxes, insurance, and utilities like electricity, gas, and water. In places like California, where I currently live, the high cost of living has pushed many people to opt for alternatives. It’s not uncommon to see individuals living in tents to avoid property-related expenses, and the number of people I encounter who reside in their cars is truly surprising. It’s a sign of how extreme the situation has become.
The market continues to escalate daily. Home prices are exorbitant, and mortgage rates have surged beyond 7%. I often debate whether it's smarter to park my cash in the stock market and wait for a potential housing crash or bite the bullet and purchase a home now.
I understand your concerns. I'm 50 and planning to retire early, and the uncertainty of the financial future, especially around housing and investments, is concerning. I’m also considering my first stock market investment, but the volatility this year has been intimidating.
How can I find a trusted financial planner like yours?
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
This video is such an eye-opener! Graham does an incredible job breaking down the pros and cons of investing in real estate versus stocks with clear, detailed numbers. It’s so refreshing to see a balanced perspective that shows real estate isn’t always the guaranteed winner people think it is-especially in today’s market with higher interest rates and rising costs.
The takeaway for me: success in either strategy depends on timing, research, and knowing your personal goals. Real estate can be powerful if you buy smart and manage well, but index funds are an amazing, low-maintenance option for consistent long-term growth.
Thank you, Graham, for always being transparent and putting out content that genuinely helps people make informed financial decisions. Truly one of the most valuable channels out there!
Bot
@@michaelmich00 you got me 😕
I used ChatGPT to create a summary of Graham's video to hopefully add value to anyone who read it.
If that makes me a bot, nice to meet you 👋🏼🤖
Investing does not need to be complicated. In fact, the simpler the better in my opinion. I'm retired and did so at age 42 with about $1.8M for two people. We had an advisor from Morgan Stanley in our corner. Maxed 401k for many years and then saved additional in index funds in taxable account. Our rate of return has been around 10%
Agreed. I have some fun money in RH but the big majority is managed by Morgan Stanley. I actually outperformed them last year but the value they’ve added in other ways over the last several years is well worth it for me.
I remember when I trusted this guy enough to put money into one of his "completely safe" banks he recommended. Now thousands of us are out millions and millions of dollars combined. Houses foreclosed on, savings gone, people without food. The unfortunate reality of misplacing trust in a financial youtuber.
$500 in XAI97C is relatively small but the 1000% or 2000% for next year, btw that does make sense if you understand them, is actually a steal and should be used
Ive been torn, my partner wants to buy a house but the average mortgage in our area is 3800+ meanwhile i can rent something similar for 2500, i dont want to buy right now id prefer to rent and save, but my partner is super pushy, but im holding my ground because i think its the worse time to buy
Buy now. Since interest is high, the house price will be lower which means property tax will be lower. Also, no bidding war. After a year, you can refinance when the feds cut the rates. Then you get triple benefit, low house price, low property tax, and lower interest.
@@rishabhjain2404 im taking this advice .
@@rishabhjain2404you don't know how this works. The Fed has already cut short term rates, but they don't control mortgage rates which are long term. Short term rates came down but long term rates have gone up.
Exactly! Came here to say this.
Just the viedo I wanted to see, I own myself 15 rental apartments here in Poland. Mostly purchased them prior to 2021-2022. They have appreciated well and yielded robust returns so far. Those bought in 2023 and 2024 are not performing so well now (high purchase and remodelling price). I am now considering swapping to dividend stocks and etfs, as property prices are so high, repairs and maintenance costs have gone sharply up, and all the issues that may crop up with the tenants. Stock market is hassle-free, especially as you are getting older.
Isn't it a bit strange to support dollar cost averaging with stocks, which suggests there is a never a bad time to buy stocks, including when they appear expensive. And, yet not support buying a house in 2025 because it appears to be expensive? What happens to the would be homebuyer that buys stocks instead when their stocks correct, and property values continue to increase, making purchasing a home even further out of reach?
I like the perspective that investing into real estate is more of a side hustle than an investment. It’s a high ROI side hustle since you’re building equity through renting out to tenants and doing upgrades/renovations slowly over time
How about a video talking about the best index funds to invest in?
Real estate doesn’t always guarantee to go up in value. And property tax goes up all the time to off set your monthly payments.
No memes needed. Just buy XAI301F and DCA/HODL. Retire very early.
Hi CaptainC0n. Great update on your cdl experience. My uncle is a lifelong trucker, and we enjoy Ats. Honestly, de-cal the way you pronounce it is awesome. Keep up the great work friend.
“What’s up Graham coffee is banging today” 😊😂
;)
Land and real estate. You can’t go wrong with it. It will stay with you during the good and the bad times
Pulled 2k outta Elizzarda yesterday, thinking about either jumping into a solid token or putting it back in. What do you think, which ones are gonna moon soon?
the 🌞
Altseason is coming, great for XAI97C
I recommend your first home be a 2-4 unit property in the best area-best schools, low crime. Owner occupied one unit gets favorable financing. After a year or two can buy another it buy a house and rent all units.😊
I tried this and have no idea how people can even afford this as their first place… I aren’t had enough for a single condo
Bro just made a video to show you how much money he has. Weird flex bro.
he has ALOT more than what was stated in this video.
With the style of real estate investing he described, yes stocks are better than buying a $500k house that rents for $3,500/mo with high interest rates.
Real estate can be better if you find properties where rent = 1% or more of the purchase price or if you find deals that have equity in them.
Big shoutout for mentioning ©Flokong and SUI. These two look like the future to me. Holding both tight!
What’s up graham it’s guys here😂😂😂😂 great intro
Great analysis, thank you. AERO, ONDO, XAI97C great to pick at these prices
The simple answer is BOTH. Need to be diversified in case.
“What’s up Graham?! It’s guys here.” 😅
Heheh
REITs are better then real estate right now. The valuation is historically low in REITs like post 2008. While real estate is overvalued for trash propertys. High quality assets with management, not having to waste time on anything.
You are correct 100%. I purchased all my 25 houses before 2015 I laugh at everyone who says they are making money on today's prices....you have to buy it right
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
If you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
@@PASCALDAB Could you kindly elaborate on the advisor's background and qualifications?
My CFA ’’ Sharon Ann Meny, 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.
Bro, i bought XAI301F in December after your video. i'm up 379%.
Huh
Just remember. Behind every real estate investor what makes tons of money is family what goes pay check to pay check due to this type of greedy parsites.
lol not true
Do little to nothing but take a house and make everything grey and they think its should then be worth double the price. Greedy greedy greedy.
Oh my gosh, the grey renovations are awful!
Agreed what happened to warm colors and not painting over wood.
LOL right? 1990 house with 2050 house price. Cheap Grey and White/Black plastered all over the place. Such an eye sore.
Grey paint on everything and they are done. You are correct. We need a crash.
Real estate investments all depend on area and timing, first rule of investing in real estate is never buy something you can't hold on to besides location, location, location. Right now the risks from renting out your buildings are huge and getting worse every year in California. I used to be a landlord for almost 40 years, would not play the game now as risk reward are just not there.
The real estate ship has sailed
For the next bullrun and yes that's still out there, XAI97C gonna be the main horse
Stocks in my opinion (multiple funds/mutual fund) is easier to maintain than a home. You don't have the stress of renters. You don't have the stress of taxes until you withdraw excluding dividends. Less work. Stocks also don't depreciate or need constant maintenance or repairs. Yes the stock market can tank which is why you put the money in multiple index funds to have a safety net.
You completely omitted the most important differentiation between the two assets.. taxes!
Stocks and RE are comparable until you show that with RE year over year you’re able to write off nearly all of your income taxes; then the ROI skyrockets.
1:09 what?!
What about it?
I think it’s 1:03
Nice analysis, but real estate is king for people concerned about taxes, particularly high income folks. After considering taxes and creative strategies taking advantage of short term rental exception, real estate wins. If you’re married with a non working spouse, it’s not even close….
Maybe I missed it, but I don’t see the aspect of your renters paying the mortgage off in your calculations. If you bought a house for $100k and the renters paid it off, you basically get a free house.
My realtor had 25 rentals. After the renters paid them all off, he took loans out on most of them, kept the cash tax free and started the process over again.
Its not a direct comparison, dont forget that investing into real estate its a real job. Its an active source of income and you spend a lot of time finding the best location, finding deals and selling the property while also investing in maintenance . While with investing in the sp500 its passive income.
You said what's up Graham it's guys here in the beginning
;)
Haha… he always does that!!!
It's intentional.😊 You'll notice he does this in a lot of his videos. It also gives you an hint of the type of video.
Yield curve inverted? So is the intro
He sure did, but more on that later.
The ADX presale is almost sold out, and for good reason. This project is one of the best opportunities this year.
Hey, there’s something important to keep in mind if you own rental real estate. You can write off a significant amount of the cost, not to mention property taxes and other expenses. And guess what? If you decide to sell your property, you might qualify for the Homestead exemption, which can save you up to 250,000 per person or 500,000 for a married couple. That’s a whopping 500,000 in gains that won’t be taxed! But here’s the catch: if you sell that stock, you’ll have to pay all the taxes, no exceptions. So, it’s a double-edged sword. This video is definitely not accurate and could be considered disinformation.
You can also benefit from several capital gains tax benefits when you sell shares.
Tax free retirement accounts exist. And you are able to pull money out of those accounts before retirement (in many cases, avoiding early withdrawal penalties).
I’m not sure if you paid attention to the video.
Read and watch as much as you can about finances. You can learn anything. Financial planners can be good or bad. You are responsible for your money no matter what an advisor recommends
Not gonna lie buying and investing when you did was way different than it is now… it’s almost impossible to get ahead even on an above average salary.
Hope mentally your pullback from TH-cam has been working out for you. Miss your videos on the regular. Appreciate this one in particular as I always feel like I’m missing out not owning an investment property.
King of clickbait.
Made 25x with PEPE, took profits, and moved into XAI97C. Hoping for another run like that 🔥