Never understood why people are reluctant to buy dividend stocks,You're getting paid to be invested in the stock market,It's similar to owning a rental property,You get paid (rent) to own it while the value of the asset appreciates (hopefully)..Passive income is king
Dividend stocks are like owning a piece of land:You hold the asset,Collect income while you wait,Asset value might grow.Why not enjoy the fruits while the tree grows?
Many people dismiss the value of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
My CFA Amy Desiree Irish 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
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.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Judith Lynn Staufer” 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 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
In my opinion, a housing market crash is imminent due to the high number of individuals who purchased homes above the asking price despite the low interest rates. These buyers find themselves in precarious situations as housing prices decline, leaving them without any equity. If they become unable to afford their homes, foreclosure becomes a likely outcome. Even attempting to sell would not yield any profits. This scenario is expected to impact a significant number of people, particularly in light of the anticipated surge in layoffs and the rapid increase in the cost of living.
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!
You are right! I’ve diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $830k in net profit across high dividend yield stocks, ETF and bonds.
Thanks, I merely looked her up on Google and was highly impressed by her credentials; I got in touch with her because I need all the help I can get. I just set up phone call.
More immediately than a collapse in the stock or real estate markets, inflation directly impacts people's standard of life. It is hardly surprising that the present market attitude is so negative. If we are to live in this economy, we are in dire need of assistance. ETF and stock markets are still unpredictably volatile, just like the housing market. My $350k" portfolio has been reduced to rubble.
This is why I entrusted a fiduciary with my investment decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
My CFA Melissa Terri Swayne 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
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.
Stock investing is currently superior than real estate because it provides higher liquidity, allowing you to buy and sell more quickly. It also takes less initial capital, making it more accessible, and you can quickly diversify your portfolio to mitigate risk. Furthermore, with technology, managing stock investments has gotten easier and more efficient.
When I was working in real estate in 2007, I saw people acquire new homes from builders with the purpose of selling them to a new buyer before they closed escrow for a profit. The crash was so violent and quick that I recall seeing many of these units foreclosed with the builder plastic still on the carpet. In terms of sensible investing, I believe the stock market has been really advantageous, particularly with the assistance of a financial consultant.
Many people dismiss the value of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
Thank you for sharing your experience! I've been managing my portfolio on my own, but it's not working out. Do you have any recommendations for a decent investing advisor? I could use some assistance.
There are a few of experts in the area. I've tested with a few over the years, but I've kept with "Sharon Ann Meny" for almost five years now, and her performance has been consistently remarkable. She's pretty well-known in her profession; look her up.
I just looked up her webpage on Google, and I'd say she has an impressive investment background. I've sent her an email and expect to hear back soon. Thanks
I hit $113k 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.
It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Few thoughts from someone who has invested in stocks and real estate for over two decades: Primary home is a liability, rental property is an investment, don’t mix the two. You can use leverage in stocks without a loan, look up leveraged ETFs. The total returns depends upon your skills and risk tolerance not the asset class. Two people with exactly the same skills will find stocks to be better at building liquid net worth and real estate better at passive cash flow. The one who invests in both will sleep best at night.
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
I've remained in touch with a financial analyst since the start of my business. Amid today's dynamic market, the key difficulty is pinpointing the right time to buy or sell when dealing with trending stocks - a seemingly simple task but challenging in reality. My portfolio has grown by more than $600k within just a year, and I've entrusted my advisor with the task of determining entry and exit points.
Could you guide me on how to get in touch with your advisor? My funds are being eroded by inflation, and I'm seeking a more lucrative investment strategy to effectively utilize them.
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 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 Grace 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
The issue with comparing the house vs stocks is someone got a house with 3-15% percent down. They didn’t have 300k to put into the stock market at once to get that 14 million return
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?
stock market crying with little down tick while we have been dealing with double digit real inflation for a year. consult with an advisor so you don't get burnt in the market.
you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited $560k in 2023 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.
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..
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
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
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
@@PatrickLloyd- 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.
Sophie Lynn Carrabus 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.
Just sold a property in Texas and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
*TRUDY ELIZABETH STOUFFER* . .. has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
I'm convinced that investing $50k-100k in the right company before it goes big is more important than saving for retirement. However, picking the right company is so hard. I have around $200k in a HYSA and want to invest. What are the best opportunities now?
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.
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 covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.
I've stuck with the popularly ‘’Melissa Elise Robinson” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Melissa after inputting her full name on the web, she seems highly professional with over a decades of experience.
Agreed. I'm a landlord and it just low key worries me in the background. Plus the govt has raised the taxes if you're a landlord in Scotland. I'm going to sell and invest instead.
@@Austin-fc5gs call options are you buy a strike price a dollar or so more than your purchase price and the ideally the share price at the time of your option.
@Austin-fc5gs so what is not set it and forget it about that? You can always roll up if you need to protect profit. Meanwhile you keep the premium and dividends
Yesss please make your own version! Another consideration is if your properties cash flow, investing the cash flow. This will also improve returns. Similar to dividends reinvested being part of index fund returns.
Crash or no crash, when everything is pushing ATH, it's time to start trimming some of the fat and increase dry powder. looking at the growth projections of 7-figure portfolio 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?
To maximize this cycle, focus on growth stocks, small caps, and Bitcoin. As someone pointed out too; Working with a financial advisor can save and make you money. For example, my advisor allocated a small part of my portfolio based on Nancy Pelosi’s investments, which is legal. That portion has increased by 71% in six months.
I've stuck with ‘’Sophia Irene Powell” for years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
I just checked Sophia Irene Powell website, and I’m even more impressed! The range of financial strategies and resources she offers is amazing. I can see why so many people trust her with their investments-looking forward to working together!
Selling price minus buying price, Inflation, interest, property taxes, maintenance closing costs at buying and selling realtor fees and capital gains federal and state level plus renovations, plus interest deduction, and deappriation.
Do it bro! I’ll watch your remake of her video. Everyone in my world thinks I’m stupid for not buying a home but I have to choose my path that brings the most peace while also setting up my future and my kid’s.
Wow! I have to admit I'm surprised Graham is being so honest about the S&P 500 vs real estate. I'm a stock/ETF person. I respect the REIs. We all want the same things. The fact that he brought up that property taxes, insurance, maintenance, closing costs all bring down your returns though is absolutely right. With all respect to REIs, these are factors market investors don't need to factor in.
Hello, I'm a Doctor from Scotland, how do you make such amount? I'm a born Christian but sometimes I feel so down of myself because of low finance but I still believe in God.
Making touch with financial advisors like *Catherine Adriana* who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times.
You are absolutely right, we also have lot's of expert, real ones with certificate and firms IDS out there waiting for investors to invest and experience the best of trade.
I used to be a huge real estate fan, but it somehow changed. Owning my primary residence is enough real estate for me, i put the rest into index funds. Having no debt besides a mortgage also reduced my stress level. Didn’t even realize how stressed out I was back then 🙃
The big thing that Graham touches on about real estate but didn't fully explain is not only are you getting a return from the full amount of a loan, usually larger than any amount you have to invest yourself, but if you are renting it out, someone is paying for your investment. If it works out the way it should, your down payment is really all you need to put up front and you will get that back as the property cash flows from rental income. Plus, if it's your own property, you get something back from what you pay. You will always pay to live somewhere and you cant invest your rent payment to your landlord.
Yes, please create that video. But remember all the real estate benefits. Depreciation, principal down payment, appreciation, 1031 exchange possibilities, cost, secretion, etc., etc.
I did this analysis as my kids are considering buying. Back testing my home ownership over a 30 year period (I have done all maintenance except a new sewer line @21k), sp500 wins. The only reason to buy is to void having to move occasionally and you find enjoyment in home maintenance, lol. I think it boils down to moving vs. dealing (or cost) with home maintenance.
Real estate vs the stock market is simular to digging ditches for $5 more a day than working in a less demanding job. Yes, even if you squeeze a few dollars more, the juice isn't worth the squeeze for individuals
YES, make a video like this. I've been agonizing over selling my two rental houses and mobile home park and this is the kind of thing that helps motivate me to eliminate that final stress before slow traveling the world with no strings attached.
The biggest reason why I never got into real estate is because it's WAY too hands on. I don't think most people interested in real estate realize how much work goes into it. I prefer more passive investing.
I am having difficulty finding a property that is undervalued. The ones that I have found need $100k+ of work with mold, roof, foundation issues... etc. things that get in the way of financing. If they truly are a deal, home flippers snap them up for cash so I can't compete as a first time home buyer. Then the flipped homes are done in a month, bare minimum, like lipstick on a pig and still get snapped up by people moving to the area. It's extremely discouraging as a 31 yr old millennial. Might just dump my $20k savings in stocks and decide not to even own a home. I guess I get to keep renting.
Real estate wins every time if you're not investing in the big cities where it's hyper competitive. I invest in small towns in NM and am getting an average of 65% return.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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
Rebecca Lynne buie is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
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 safest approach, I believe, is to diversify by spreading investments across various asset types like gold, silver, real estate, and international stocks to minimize the impact of market downturns. Seeking advice from a knowledgeable professional is also essential.
I’m closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in over 80% profit than some of my peers who have been investing for many years. Maybe you should consider this too
@@mariaguerrero08I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
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 *Izella Annette Anderson* Lanting for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I got out of the real estate investing market about a year ago. I think it's time to get into the stock market but what's the best strategy to invest around 200K in this current market?
I think a good 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 advisor for expert advice.
I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in stocks, which is pretty simple. On my portfolio, which has grown over 90% in a little over a year, my advisr chooses entry and exit orders
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.
Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 120k to a decent 540k in the space of a few weeks... I'm especially grateful to Milton Harper, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..
Selling all my rental properties and absolutely changed to Stock and shares, so much less fees, legislation, rates rise, hassle from tenants etc etc. Glad I'll be free very soon!
As was stated later in the video, comparing a specific property to the general stock market is not that useful. One major difference is that it is easier to buy a house below market value than it is to buy a stock below market value.
That's based on having cash on hand. Example in 2021 I bought a home for 300k that is now worth 400k and borrowed money with 2.75%. If I invested 300k in stocks I will probably have now 600k but I never had 300k on hand in the first place. Who will give me 300k at 2.75% to borrow unstuck market? And if someone can risk involved risk I would rather own a home in a good market and invest steady in stocks.
This is a great coincidence. I saw the video by Shelby right before seeing this one. I own property in California and I will definitely be interested in watching your stocks vs real estate video.
As I’ve aged I’ll take the stock market any day. I’ve never been called by any of the companies I’ve owned letting me know a light bulb went out or the A/C isn’t working or anything in between. I’ve also never had to evict any of them. Unfortunately, I’ve had to deal with all of that and more with real estate. The only advantage is the leverage and I am ready to deleverage either way. To rant too much, I also think it’s much harder now to find properties that look like a great opportunity
My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
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.
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
My CFA ’ Annette Marie Holt’ , 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.
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.
I Believe You Should, Because When i Heard Of you On Ben Mallah I was Like Ok... SO this Man Know What he is Talking About & This Is Fact check. Now Viewing Shelby for a While Then too see her info of video that i watched just few days ago Appear On The Shout Out From Graham then makes me feel like im not just watching videos & instead actually gaining factuall knoledge by solid recommemnded sources. Wish you Nothing But the Best & Much Prosperity.
I would love to see you do a video analyzing your real estate portfolio versus your stock portfolio. This is my exact current dilemma on how invest an inheritance. Thank you for all you do!
I remodeled my townhouse in Seattle in 2021 and sold it in 2022. Cost me a bit over $100K to renovate and I didn't do everything I would have done if I'd intended to keep the place. Also most the cost was the price of labor and the cost of labor and materials in Seattle was rising faster than nationwide inflation.
Iid like to see your take. Honestly, it’s seems like the leverage factor of buying 3-5% down, owner occupied homes, living in them while renovating and then making creating a small portfolio of 4-8 rental properties crushes what I can save in a 401k/IRA/Brokerage.
Great video Graham - Few thoughts.. * Not all investment capital required up front with property and any profits can be used for deposits on other properties to compound a portfolio (or stocks etc) * Absurd that government decide how much you can increase the rent by each year * Renovation costs there also see insane as do property taxes Yes agree there is some joy to be found in simplicity and fewer stresses
Appreciate the video. What I think would be of value is just taking a look at median property value appreciation over time vs Index Funds Total US Stock or S&P 500. This would also assume a buy and hold strategy as you can't usually just buy and sell real-estate as quickly. Would also like to know for your real estate investments; did you depreciate the property for tax purposes to make the math work and what those drawbacks were when it came time for you to sell. Thanks Graham for your time on your content.
My feeling is I personally would rather invest in the stock market than real estate because of the hassle. Not at all passive. Mutual or index funds not single stocks
Yes you need to do it! Now with the current home prices and interests rates would it still make sense to invest in real estate factoring in the benefits of leverage and taxes?
Yes, Graham! Please make that video that would be sweet! I’m totally with you when you’re younger and have the time and energy. You can make great money in real estate quickly but as we get older, it’s much easier to invest in the stock market with a lot less headache! Plus, good contractors are harder and harder to find and have been a nightmare for so many people!
I still think Real Estate is number one because there’s a larger upside with leverage and you have infinite income for the rest of your life that stocks aren’t giving you every month.
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
Home prices will come down eventually, but for now; its best to offset some of your real estate investments and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
Personally, I can connect to that. When I began working with “Annette Christine Conte”, a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.
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 find the thought of comparing the returns of a successful real estate investor like Graham and the return of an index fund very interesting. I would love to watch such a video.
Not an apple to apple comparison. Yes 4000% sounds better than 400%. But you still need to pay rent vs a mortgage. Meaning "if" u save anything at all that's all you would have left to throw into a S&P 500. It would be a fraction of what the mortgage is. So yes even though S&P is maintenance free the difference between rent and mortgage now a days is minimal and u would be paying off someone else home instead of your own.
Buddy here the discussion is about investment. Buying your own home is not investing. It is after you own your home and then you have more money then should you buy rental properties or invest in stocks.
Note that she did not contribute at all to mortgage, insurance, property tax for the Seattle townhouse. That was all paid for by her sister who lived there, and she in turn had roommates that paid for a significant part of those costs.
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?
Consider hiring financial advisors, estate planners or tax experts. They can provide specialized knowledge and help you navigate complex financial decisions.
true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $180k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
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.
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.
"$300k property in 1988 became $1.75M 2024 The same $300k in a Index fund would be worth $14M in 2024" The problem with this comparison is in 1988 the buyer would not have had $300k to buy the house outright, he may have put down $30k and enjoyed the benefits of gearing on the property value growth. This completely upends the $14M calculation.
Haha I had a feeling a reaction video was coming! Yes you should totally make your own version with your investments!
@@ShelbyChurch yeah you need to do a reaction video to this now
@@ShelbyChurch you left out a lot of factors in your real estate profit
Success
Graham never raised rents (at least that's what I remember him saying) so I hope that is factored in if he does make a comparison video.
@@codygordon59 she made a 14 minute video. not enough time and she has to consider people's attention span.
Never understood why people are reluctant to buy dividend stocks,You're getting paid to be invested in the stock market,It's similar to owning a rental property,You get paid (rent) to own it while the value of the asset appreciates (hopefully)..Passive income is king
Dividend stocks are like owning a piece of land:You hold the asset,Collect income while you wait,Asset value might grow.Why not enjoy the fruits while the tree grows?
Many people dismiss the value of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
My CFA Amy Desiree Irish 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
Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.
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.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Judith Lynn Staufer” 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 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
In my opinion, a housing market crash is imminent due to the high number of individuals who purchased homes above the asking price despite the low interest rates. These buyers find themselves in precarious situations as housing prices decline, leaving them without any equity. If they become unable to afford their homes, foreclosure becomes a likely outcome. Even attempting to sell would not yield any profits. This scenario is expected to impact a significant number of people, particularly in light of the anticipated surge in layoffs and the rapid increase in the cost of living.
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!
You are right! I’ve diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $830k in net profit across high dividend yield stocks, ETF and bonds.
Can you share details of your advis0r? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
Annette Christine Conte, that’s my licensed Financial advisor you can easily look her up, Thank me later!
Thanks, I merely looked her up on Google and was highly impressed by her credentials; I got in touch with her because I need all the help I can get. I just set up phone call.
More immediately than a collapse in the stock or real estate markets, inflation directly impacts people's standard of life. It is hardly surprising that the present market attitude is so negative. If we are to live in this economy, we are in dire need of assistance. ETF and stock markets are still unpredictably volatile, just like the housing market. My $350k" portfolio has been reduced to rubble.
A lot of people are still making returns on investment this period. You just have to be very grounded or solicit the help of a professional.
This is why I entrusted a fiduciary with my investment decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now
My CFA Melissa Terri Swayne 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
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.
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.
but the 50 year warranty offered by Gaf will save you .... not
don't forget about wood rot and gutters plus your eve's - dude not to mention those little pesky termites so more like 25k
All about leverage
Next time ask robdebt kiyosaki 😂😂😂
@@leetjohnsonppl only talk about the positives of leverage, what about the negatives.....Negative equity is no fun
Definitely a video I want to see. Your own rentals vs stock market
💯 percent would love to see that video!!
Stock investing is currently superior than real estate because it provides higher liquidity, allowing you to buy and sell more quickly. It also takes less initial capital, making it more accessible, and you can quickly diversify your portfolio to mitigate risk. Furthermore, with technology, managing stock investments has gotten easier and more efficient.
When I was working in real estate in 2007, I saw people acquire new homes from builders with the purpose of selling them to a new buyer before they closed escrow for a profit. The crash was so violent and quick that I recall seeing many of these units foreclosed with the builder plastic still on the carpet. In terms of sensible investing, I believe the stock market has been really advantageous, particularly with the assistance of a financial consultant.
Many people dismiss the value of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
Thank you for sharing your experience! I've been managing my portfolio on my own, but it's not working out. Do you have any recommendations for a decent investing advisor? I could use some assistance.
There are a few of experts in the area. I've tested with a few over the years, but I've kept with "Sharon Ann Meny" for almost five years now, and her performance has been consistently remarkable. She's pretty well-known in her profession; look her up.
I just looked up her webpage on Google, and I'd say she has an impressive investment background. I've sent her an email and expect to hear back soon. Thanks
I hit $113k 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.
I would really love to know how much work you did put in to get to this stage.
It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Really you people know her? I was even thinking that I'm the only one she has helped with trading.
Wow! wow! please is there any way to reach her services?
Sure!! Here’s her line
Few thoughts from someone who has invested in stocks and real estate for over two decades:
Primary home is a liability, rental property is an investment, don’t mix the two.
You can use leverage in stocks without a loan, look up leveraged ETFs.
The total returns depends upon your skills and risk tolerance not the asset class.
Two people with exactly the same skills will find stocks to be better at building liquid net worth and real estate better at passive cash flow.
The one who invests in both will sleep best at night.
You nailed it with your final sentence. Why choose between the two? Do both.
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
I've remained in touch with a financial analyst since the start of my business. Amid today's dynamic market, the key difficulty is pinpointing the right time to buy or sell when dealing with trending stocks - a seemingly simple task but challenging in reality. My portfolio has grown by more than $600k within just a year, and I've entrusted my advisor with the task of determining entry and exit points.
Could you guide me on how to get in touch with your advisor? My funds are being eroded by inflation, and I'm seeking a more lucrative investment strategy to effectively utilize them.
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 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 Grace 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
The very first time we tried, we invested $1400 and after a week, we received $5230. That really helped us a lot to pay up our bills.
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'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
The issue with comparing the house vs stocks is someone got a house with 3-15% percent down. They didn’t have 300k to put into the stock market at once to get that 14 million return
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?
stock market crying with little down tick while we have been dealing with double digit real inflation for a year. consult with an advisor so you don't get burnt in the market.
you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited $560k in 2023 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
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..
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
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
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
@@PatrickLloyd- 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.
Sophie Lynn Carrabus 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.
Just sold a property in Texas and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
*TRUDY ELIZABETH STOUFFER* . .. has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Glad I saw this comment.
Index funds all the way.
stack it in VTSAX and sleep better at night
I'm convinced that investing $50k-100k in the right company before it goes big is more important than saving for retirement. However, picking the right company is so hard. I have around $200k in a HYSA and want to invest. What are the best opportunities now?
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.
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 covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.
This is all new to me, How do I find a suitable fiduciary advisor, can you recommend any?
I've stuck with the popularly ‘’Melissa Elise Robinson” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Melissa after inputting her full name on the web, she seems highly professional with over a decades of experience.
"Value in simplicity", Graham nailed it here. Also, your stock portfolio in never going to call you on a rainy night to tell you the roof is leaking.
Real estate is too much work. Stocks, options, dividends set it and forget it
options are not set it and forget it
Agreed. I'm a landlord and it just low key worries me in the background.
Plus the govt has raised the taxes if you're a landlord in Scotland. I'm going to sell and invest instead.
@@Austin-fc5gs call options are you buy a strike price a dollar or so more than your purchase price and the ideally the share price at the time of your option.
@@codygordon59 im aware of how options work
@Austin-fc5gs so what is not set it and forget it about that? You can always roll up if you need to protect profit. Meanwhile you keep the premium and dividends
Yesss please make your own version! Another consideration is if your properties cash flow, investing the cash flow. This will also improve returns. Similar to dividends reinvested being part of index fund returns.
Crash or no crash, when everything is pushing ATH, it's time to start trimming some of the fat and increase dry powder. looking at the growth projections of 7-figure portfolio 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?
Don't sell everything, just raise some cash so you can go shopping if and when a correction or crash takes place.
To maximize this cycle, focus on growth stocks, small caps, and Bitcoin. As someone pointed out too; Working with a financial advisor can save and make you money. For example, my advisor allocated a small part of my portfolio based on Nancy Pelosi’s investments, which is legal. That portion has increased by 71% in six months.
wow!! this is impressive.. how can i reach this advisor if you don't mind me asking?
I've stuck with ‘’Sophia Irene Powell” for years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
I just checked Sophia Irene Powell website, and I’m even more impressed! The range of financial strategies and resources she offers is amazing. I can see why so many people trust her with their investments-looking forward to working together!
I'd watch that video.....Thanks Graham for the content.
Me too! @TheGrahamStephanShow can you post it tomorrow? 😅
I'd also like to see that video.
Selling price minus buying price, Inflation, interest, property taxes, maintenance closing costs at buying and selling realtor fees and capital gains federal and state level plus renovations, plus interest deduction, and deappriation.
lol depreciation.
Do it bro! I’ll watch your remake of her video. Everyone in my world thinks I’m stupid for not buying a home but I have to choose my path that brings the most peace while also setting up my future and my kid’s.
Wow! I have to admit I'm surprised Graham is being so honest about the S&P 500 vs real estate.
I'm a stock/ETF person. I respect the REIs. We all want the same things. The fact that he brought up that property taxes, insurance, maintenance, closing costs all bring down your returns though is absolutely right. With all respect to REIs, these are factors market investors don't need to factor in.
*I'm glad you made this video* it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love..
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
Hello, I'm a Doctor from Scotland, how do you make such amount? I'm a born
Christian but sometimes I feel so down of myself because of low finance but I still believe in God.
Making touch with financial advisors like *Catherine Adriana* who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times.
You are absolutely right, we also have lot's of expert, real ones with certificate and firms IDS out there waiting for investors to invest and experience the best of trade.
Waking up every 14th of each month to *210,000 dollars* it's a blessing to I and my family... Big gratitude to *Catherine Adriana*
Both Real Estate and Stocks are great in tandem. One used for tax exemptions the other is used for growth.
Yes , stock market gains, can be offset with expenses, depreciation. Rental monthly income is nice.
I used to be a huge real estate fan, but it somehow changed. Owning my primary residence is enough real estate for me, i put the rest into index funds. Having no debt besides a mortgage also reduced my stress level. Didn’t even realize how stressed out I was back then 🙃
My vote for your video Real Estate vs Stocks, Graham😊
Yes, Graham, please do a comparison video of your real estate investments vs. stock market!
The big thing that Graham touches on about real estate but didn't fully explain is not only are you getting a return from the full amount of a loan, usually larger than any amount you have to invest yourself, but if you are renting it out, someone is paying for your investment. If it works out the way it should, your down payment is really all you need to put up front and you will get that back as the property cash flows from rental income. Plus, if it's your own property, you get something back from what you pay. You will always pay to live somewhere and you cant invest your rent payment to your landlord.
Yes, please create that video. But remember all the real estate benefits. Depreciation, principal down payment, appreciation, 1031 exchange possibilities, cost, secretion, etc., etc.
I did this analysis as my kids are considering buying. Back testing my home ownership over a 30 year period (I have done all maintenance except a new sewer line @21k), sp500 wins. The only reason to buy is to void having to move occasionally and you find enjoyment in home maintenance, lol. I think it boils down to moving vs. dealing (or cost) with home maintenance.
Yes, I would love to see that video of you comparing some of your real estate to the stock market. I always love seeing the real numbers.
We have not experienced recession for a while …, over valued stocks and housing market
Good luck!! We are going to need it!
Real estate vs the stock market is simular to digging ditches for $5 more a day than working in a less demanding job. Yes, even if you squeeze a few dollars more, the juice isn't worth the squeeze for individuals
YES, make a video like this.
I've been agonizing over selling my two rental houses and mobile home park and this is the kind of thing that helps motivate me to eliminate that final stress before slow traveling the world with no strings attached.
The biggest reason why I never got into real estate is because it's WAY too hands on. I don't think most people interested in real estate realize how much work goes into it. I prefer more passive investing.
I am having difficulty finding a property that is undervalued. The ones that I have found need $100k+ of work with mold, roof, foundation issues... etc. things that get in the way of financing. If they truly are a deal, home flippers snap them up for cash so I can't compete as a first time home buyer. Then the flipped homes are done in a month, bare minimum, like lipstick on a pig and still get snapped up by people moving to the area. It's extremely discouraging as a 31 yr old millennial. Might just dump my $20k savings in stocks and decide not to even own a home. I guess I get to keep renting.
Real estate wins every time if you're not investing in the big cities where it's hyper competitive. I invest in small towns in NM and am getting an average of 65% return.
House is work, but also a good diversification to the portfolio.
Maybe Graham and Shelby can sell us their homes 😊
Can you make a video about how much money you’ve made off of Selby Church videos?
Oof
Yes pls make your own version of this! I’d love to watch 💜
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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
Rebecca Lynne buie is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
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 safest approach, I believe, is to diversify by spreading investments across various asset types like gold, silver, real estate, and international stocks to minimize the impact of market downturns. Seeking advice from a knowledgeable professional is also essential.
I’m closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in over 80% profit than some of my peers who have been investing for many years. Maybe you should consider this too
@@mariaguerrero08I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
@@mariaguerrero08Could you possibly recommend a CFA you've consulted with?
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 *Izella Annette Anderson* Lanting for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I got out of the real estate investing market about a year ago. I think it's time to get into the stock market but what's the best strategy to invest around 200K in this current market?
I think a good 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 advisor for expert advice.
I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in stocks, which is pretty simple. On my portfolio, which has grown over 90% in a little over a year, my advisr chooses entry and exit orders
Sounds interesting! Please can you leave the info of your lnvestment advsor here? I’m in dire need for one
Marissa Lynn Babula is the licensed advisor I use. 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.
Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 120k to a decent 540k in the space of a few weeks... I'm especially grateful to Milton Harper, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..
He mostly interacts on Telegrams, using the user-name,
@MiltonHarper
Nice info, i appreciate your concern this will help a lot especially to the young investors who have no or lesser knowledge on how the market works.
Milton Harper is among the best traders on the internet and I'll keep saying it every time.
This is why it is advisable to connect with a true market strategist in order to avoid missing such opportunity and maintain steady gains.
Selling all my rental properties and absolutely changed to Stock and shares, so much less fees, legislation, rates rise, hassle from tenants etc etc. Glad I'll be free very soon!
Yes, please make a comparison video with your own situation.
It would feel nostalgic harping back to the videos of 2016-'18 🎉
Appreciate the content!!!
Make that video for us Graham.
I would love to see that video!!! Always good to get other investors prospectives!
I’d like to see Shelby on your coffee hour channel again
I would like to see Graham on with the Money Guys. Is there a video for that? He was on with Ramsey before.
@@stevenporter863 I wholeheartedly second this
It's so awesome to see young people appreciating the simplicity and power of index funds!
As was stated later in the video, comparing a specific property to the general stock market is not that useful. One major difference is that it is easier to buy a house below market value than it is to buy a stock below market value.
That's based on having cash on hand. Example in 2021 I bought a home for 300k that is now worth 400k and borrowed money with 2.75%. If I invested 300k in stocks I will probably have now 600k but I never had 300k on hand in the first place. Who will give me 300k at 2.75% to borrow unstuck market? And if someone can risk involved risk I would rather own a home in a good market and invest steady in stocks.
do people liquidate their stocks investment? if not, whats the point i always hear these 20-30 year investments
love to see a video of your real-estate value versus what the money would do in the market.
Yes please make your own version of this video!
This is a great coincidence. I saw the video by Shelby right before seeing this one. I own property in California and I will definitely be interested in watching your stocks vs real estate video.
As I’ve aged I’ll take the stock market any day. I’ve never been called by any of the companies I’ve owned letting me know a light bulb went out or the A/C isn’t working or anything in between. I’ve also never had to evict any of them. Unfortunately, I’ve had to deal with all of that and more with real estate.
The only advantage is the leverage and I am ready to deleverage either way. To rant too much, I also think it’s much harder now to find properties that look like a great opportunity
My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
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.
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
My CFA ’ Annette Marie Holt’ , 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.
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.
Love listening to a comparison video of the two best assets in America
I Believe You Should, Because When i Heard Of you On Ben Mallah I was Like Ok... SO this Man Know What he is Talking About & This Is Fact check. Now Viewing Shelby for a While Then too see her info of video that i watched just few days ago Appear On The Shout Out From Graham then makes me feel like im not just watching videos & instead actually gaining factuall knoledge by solid recommemnded sources. Wish you Nothing But the Best & Much Prosperity.
I would love to see you do a video analyzing your real estate portfolio versus your stock portfolio. This is my exact current dilemma on how invest an inheritance.
Thank you for all you do!
Best rent is in a housing cooperative. It is cheap, safe and you have a lot of control and voice on the property.
Yea I would love to see that video graham!
Thank you Graham for explaining what's going on. People don't understand how bad it is. I haven't made any money in to last two years and it sucks!
I remodeled my townhouse in Seattle in 2021 and sold it in 2022. Cost me a bit over $100K to renovate and I didn't do everything I would have done if I'd intended to keep the place. Also most the cost was the price of labor and the cost of labor and materials in Seattle was rising faster than nationwide inflation.
You should totally make your version of this video!! I'd love to see your thought process
Iid like to see your take. Honestly, it’s seems like the leverage factor of buying 3-5% down, owner occupied homes, living in them while renovating and then making creating a small portfolio of 4-8 rental properties crushes what I can save in a 401k/IRA/Brokerage.
Great video Graham - Few thoughts..
* Not all investment capital required up front with property and any profits can be used for deposits on other properties to compound a portfolio (or stocks etc)
* Absurd that government decide how much you can increase the rent by each year
* Renovation costs there also see insane as do property taxes
Yes agree there is some joy to be found in simplicity and fewer stresses
Appreciate the video.
What I think would be of value is just taking a look at median property value appreciation over time vs Index Funds Total US Stock or S&P 500. This would also assume a buy and hold strategy as you can't usually just buy and sell real-estate as quickly. Would also like to know for your real estate investments; did you depreciate the property for tax purposes to make the math work and what those drawbacks were when it came time for you to sell.
Thanks Graham for your time on your content.
Yes I would love to see you do that comparison!
My feeling is I personally would rather invest in the stock market than real estate because of the hassle. Not at all passive. Mutual or index funds not single stocks
Yes you need to do it! Now with the current home prices and interests rates would it still make sense to invest in real estate factoring in the benefits of leverage and taxes?
Yes, Graham! Please make that video that would be sweet! I’m totally with you when you’re younger and have the time and energy. You can make great money in real estate quickly but as we get older, it’s much easier to invest in the stock market with a lot less headache! Plus, good contractors are harder and harder to find and have been a nightmare for so many people!
I still think Real Estate is number one because there’s a larger upside with leverage and you have infinite income for the rest of your life that stocks aren’t giving you every month.
Looking forward to watch the video on your personal investing experience.
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
Home prices will come down eventually, but for now; its best to offset some of your real estate investments and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
Personally, I can connect to that. When I began working with “Annette Christine Conte”, a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.
I'd be glad to get the help of one, but just how can one spot a reputable one? How did you spot this Colleen ?
“Annette Christine Conte” maintains an online presence that can be easily found through a simple search of her name on the internet.
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.
Thanks for responding graham also just wanted to let you know I’m just waiting to hear back from your web team 👍🏽😊 keep the great content coming
Working on it! Thanks!
Good video.. and yes we want to know how your real estate compares to simply buying index funds!
Absolutely would love to see a video with a breakdown of your real estate returns in comparison to the stock market Graham. It would be a must watch 💯
I find the thought of comparing the returns of a successful real estate investor like Graham and the return of an index fund very interesting. I would love to watch such a video.
Not an apple to apple comparison. Yes 4000% sounds better than 400%. But you still need to pay rent vs a mortgage. Meaning "if" u save anything at all that's all you would have left to throw into a S&P 500. It would be a fraction of what the mortgage is. So yes even though S&P is maintenance free the difference between rent and mortgage now a days is minimal and u would be paying off someone else home instead of your own.
Buddy here the discussion is about investment. Buying your own home is not investing. It is after you own your home and then you have more money then should you buy rental properties or invest in stocks.
Yes! Make that video with your perspectives.
Yes, please make a video comparing your real estate costs to the stock market over a period of time. Thanks!!
Yes, make a video of your experiences. Thanks.
What is your overall cap rate when you bought and what is it now?
I love a crossover - two of my favourite TH-camrs!
Note that she did not contribute at all to mortgage, insurance, property tax for the Seattle townhouse. That was all paid for by her sister who lived there, and she in turn had roommates that paid for a significant part of those costs.
Make your own comparison video! Would love to see that!
Please make the video on your real-estate vs. stock portfolio :)
YES to the stock market video!
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?
Consider hiring financial advisors, estate planners or tax experts. They can provide specialized knowledge and help you navigate complex financial decisions.
true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $180k, 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?
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.
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.
I would absolutely watch that video! Thanks for this one 😊
"$300k property in 1988 became $1.75M 2024
The same $300k in a Index fund would be worth $14M in 2024"
The problem with this comparison is in 1988 the buyer would not have had $300k to buy the house outright, he may have put down $30k and enjoyed the benefits of gearing on the property value growth. This completely upends the $14M calculation.
So, Graham, would you liquidate your real estate and buy ETFs or does real estate still play an important role in your portfolio going forward?
Do it! I think thre are plenty of other aspects you can dive in on.
I would love to see Graham do the same video as Shelby. Compare his market investments to his real estate investments!
I'd love to see you react to your RE portfolio vs popular etfs of the same time period.