Why Investing In Real Estate Is Better Than The Stock Market
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- Опубликовано: 21 авг 2024
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Why Investing In Real Estate Is Better Than The Stock Market
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I’m 35 and I have about $250k liquid in savings which I plan to put towards becoming a homeowner but based on the current high prices on real estate, do you suggest I hold from buying and look at stocks instead?
If youre norwegian, put it in real estate, especially in oslo. The sooner you can get in on the oslo market, the more money you will print money, otherswise you may want to consider advisors when navigating the stock market to avoid mistakes
@maria_casey I find this informative, just inputted her full name on my browser, spotted her site easily and was able to send my message across, she actually shows a great deal of expertise.. thanks for sharing!
1. You can be invested in different asset classes.
2. You can get leverage in stock market
3. There are dividends and option selling to get revenue from your holdings.
4. Stock market investing in the long run have so much compounding opportunity.
Investing in real estate is good but that doesn’t make investing in stock market bad.
This exactly.
Real Estate also requires work for the duration of ownership & that's never discussed. Whether you do it or hire it out.
IF you simply invest in an index fund tracking the S&P 500 you can expect ~8-10%/yr over 20yrs low effort and time investment
Makes sense to do both.
Real estate sucks as an investment.
- Requires maintenance
- Requires leverage only to get less than the stock market
- Intrinsic value trends down over time due to productivity gains
@@awseko4732 If stock markets crash mental tension we experience is better than that
@@gowthamj1518 If you can’t handle it and it helps you to sleep then by all means buy property.
In stocks you get dividend.. That is a cash flow
yea, so i invest 200k into dividend stocks just to get 400$ per month.
Lol yeah that’s what I remember and I m pretty sure you can use leverage too
@@Narcis.N 1M in coke will get you 150k per year 100k after tax
@@PoliceBlot No, you ll get 30k max and pre tax. If i invest 1 mil in real estate i get 5M
@@Narcis.N the maximum you can be Taxed is 37% 150k a year from a dividend king is better then the equivalent amount put into property's and that's because these companies have payed the same % even in economic depression so its more secure and That's not even talking about the actual value of the stock
Your information is wrong. But your idea is right. You CAN borrow against your securities. Through margin or a securities back line of credit. I could sell a stock right away as well, not a house. For example, I’m never planning on selling my stocks, if I need money I borrow against them, at 3.5% a year. Meaning I’ll never pay taxes on them. Also these “large” taxes for most people are just 15% capital gains. Real estate is great, but I’d rather not have to take care of an asset, and have the liquidity. Real estate is never as volatile as stocks are, but another risk is laws, nightmare tenants, surprise repairs; the reality is, most people don’t profit enough off their rentals to live off of them. With the rising price of repairs, supplies, it’s hard on land lords. There is no one solution for every investor, you build your timeline, and you stick to it according to your needs and risk management.
Hi, love the flow. You know well!
Don't forget if you invest in stocks that offer dividends then you can get a nice amount monthly or quarterly
Very well put.
@@Kirtoisplayz Dividends are a joke unless you own a large amount of stocks which offers good dividend percentage.
Came for this! Also i would say this is why diversification is key (not just in the asset itself but the asset classes)
I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing!
Very inspiring! I love this
How possible?
@@eadad4371 Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (REGINA LOUISE COLLARO) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her.
She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.
1. You can use leverage, depending on the broker you use. It's called margin investing.
2. The tax benefits are good if you hold gains for longer than a year and it is realized as capital gains tax which is very low.
3. Dividend investing is your friend. Wanna talk about cash flow, try compound dividend investing.
Lol nailed it. I was about to say the same
Yea, this dude seems like a dum dum
Dividends also increase your cash flow each year. Some even increase dividends more than inflation
Yes!
What broker do you use to invest in stock market ?
And here's why i don't invest in Real estate(India)-
1. Lack of liquidity
2. Low rate of return
3. High cash blockage
Plus high interest rates and they don't catch up to the rent prices since rent is also low. Also banks in India as of now gives out loan way easily than banks in other countries which leads to everyone able to buy a house on EMI in India that's you can't be like "have a high credit score and get debt" no here all the people get debt, no worries India will face the problem of giving out debts to anyone who's not eligible one day and the crash is coming
Problem of local thugs and goons....and constantly keeping a watch on your property.
you can invest in a reit and solve all your problems
@@ambarvatsa9939 that's definitely true...they are going to capture the land if it's kept isolated too long
Yesss
Too good
You can get leverage with stocks. Margin account. You can also buy options. For cash flow sell puts, covered calls and dividends.
I guess there is always…
-RE is a illiquid asset
-costs a lot to trade
-repairs/maintenance
-taxes and insurance and interest
-often properties are not cash flow positive
-leverage is an easy way to go broke
-unreliable tenants
-down markets take long to recover
-etc etc etc
it depends on the country you are in, in U.S. probably yes, but some country they have less tax reduce on real estate, extra tax on owning more than one property, morgage to rent ratio is high which you may have to pay extra after using rent to pay part of the morgage, high repair cost, etc
It really depends on the country you are in , picking up a property with a good return and having a good tenant, its not simple as having real estate equal promise good investment
You clearly view a stock as just a ticker symbol otherwise you wouldn't say you don't get free cashflow from stocks.
It's so incredibly simple if you invest in a free cashflow positive company guess what you are getting the cash flow. Sure not directly in the from of income ( unless there is a dividend) but in the from of share buy backs, debt reduction, acquisitions and reinvestment in operations.
The only thing you just named that is cash flow in your pocket is a dividend and maybe the debt reduction if you own bonds instead of stocks and maybe the stock buyback if your talking about selling which isnt cashflow its just a sale
Warren buffet laughing in corner
👍
He’s right tho
"I appreciate your in-depth analysis of current economic trends. Your videos provide a comprehensive look at the factors affecting the financial markets. Keep up the good work!
Unfortunately you don’t really gain compound interest in real estate, value goes up but when you compound and are stock literate, your jumps are massive in long term stocks. You could also use your dividend off your million investment to buy into startup stocks, with 150k in Uber when it opened you’d be worth 8 to 9 figures in 10 years, 1000% return, more than development over a 10 year period unless you have multiple 8 figure developments going.
*Real-estate benefits vs Cons*
- Property value both money and status symbol
- you get Monthly rentals
- you Can leverage to get bank loans
- it has Proven its value last 15 years
- Some Property loans even have tax benefits
CONS
- Property maintaining expenses
- property becomes a Liability if you don't put it on rental, because you still have to pay the bills
- property is a Very Expensive investment
- realistically globally it has been Loosing value in last 5 year's
- Large quantities of property can be hard to manage
- and taxation becomes burden after reaching a certain threshold of income from rentals
- property Investment dose not turn quick liquid cash, when you need cash. Property is difficult to sell quickly
- you cannot exactly exit quickly when needed
*Stocks : benefits vs Cons*
- Quick, Easy to start with just 1$ a month
- Money may grow limitless over the year's. Sky is the limif
- you May get benefits of dividends
- Easy to understand tax structure and stays same for all range of investment
- Quickly turns to liquid cash.
- You can exit any time.
- you can just buy and forget, no maintaining charges or any after expenses like property for years and decades
CONS
- Money can go in losses if not done properly
- stock investment come under Higher tax brackets
- Very volatile investment, has never proven its worth unless you Divide it into multiple sectors
- Needs complex understanding
- and one needs to be updated with market and news
Do both. Buy a multifamily complex, live in one, get rental income from the others, invest in stock market for longterm while still living off of passive income.
This is why financial education is important...
Everything seems cool until you do actual math in papers...
😂
He violated the first rule - Diversification. "I just focus on real estate now"☠️
@@ratnadeepbiswas1967 You can easily diversify in real estate... you can own a condo, a single family home, a duplex, an apartment, a hotel, an airport, a grocery store, a park, a gym.... the list goes on
@@carsondwayne You can diversify at any level in any asset class. For examples, in stocks, you can diversify sector wise, and within each sector, you can diversify company-wise.
The plan is to diversify at each level, not within a particular asset class only.
@@ratnadeepbiswas1967 That is necessary with stocks because stocks are valued based on investor sentiment more than actual fundamentals... hence why they're so volatile and why the markets are down heavily right now.
Real estate also has tangible value but stocks are all speculative and can trade well above their PE ratios. If you were planning to retire based off your stock portfolio I wonder what you'd be thinking right now...
Real estate is also far more predictable because the success of the property is within my control, versus stocks where you're betting on the competence of the company's managers. A complete trust of your money in other people that gives you no income, and has more potential for loss/minimal upside than gain... unless you have lots of money or you pick a small cap early and hold it for decades...
All in all commercial and residential offer more than enough diversification, higher returns with leverage, a consistent income stream and the ability to build wealth quickly if you know what you're doing.
It is pretty much impossible for someone in their 20s who wasn't born rich to become a millionaire in their 20s with stocks, but there are plenty who have done so with real estate... in fact real estate has produced more millionaires than any other asset class
Can’t do leverage? Margin.
Tax benefit? Tax-advantaged account.
No CF? Dividends.
Real Estate belongs in any well diversified portfolio, but to only be invested in that one asset class is very risky..
Thing is that to own real estate you need a lot of cash. If you did mortage in Poland 3 years ago, where now we have twice inflation as in the US you started with payment around 500$ a month, now it is 1500$ a month for single family house in country where middle wage is 750$ a month. Even if you bought for cash which is safer in that case, there are much fewer people that can afford living without 5-6 people in their family house.
Depending on your local law and regulations.
In my country dividend is not a taxable income because the company which stock we owned already paid income tax.
0 tax on capital gain, but there's a small 0,1% tax in buying and selling stock no matter your position (gain or loss).
About leverage there's this thing called margin.
But... It's really not a good time to be in a stock market or real estate.
It's a huge hassle to get cash flow from real estate. Dealing with tenants is exhausting and they default sometimes. It's not as simple as, " my real estate pays me to own it "
Its all about the risk. Dont forget to mention that. When you invest in stocks.. the risk is losing value on your money. When you invest in real estate. You risk getting into Debt. Like 30 yr debts.. on multiple houses..
There are all kind of leverage opportunities, also there is cash flow + capital gains taxes are nothing
You get cash flow from the stock market. It’s called dividends.
Or covered calls/ cash secure puts
I follow him, love his videos but he doesn't know much about stock market i know this because stock create more cashflow than real estate!!!! This is done by SLBM(Securities Lending and Borrowing Mechanism) facilities provided by your broker ...It gives around 5 to 30 per yearextra(in India) !! Without selling your stocks! and it's riskfree!!!!!
And liquidating stocks is easy AF.... while real estate is PIA
Except RE is almost a fulltime job. It doesn't get as passive as the stock market
You could just buy dividend stocks or indexes.
Leverage isn’t always good….
Y
You actually can do everything you just said you can’t do and on top of it you forgot something amazing that houses can’t do: COMPOUND your money. You can invest in a good index fund and select the option for reinvest your dividends and your money will make more money every day without you having to worry about anything at all.
3 Rules to follow before investing in something.
Do you love it?
Do you understand it?
Can you influence it?
If the answer is yes to ALL 3, invest.
The stock market is a No for all 3 to me so I don't touch it.
Great idea.
But the 3rd term is too ambitious. Especially for some young people like me. Nowadays we need to invest, but it's not easy to join the real estate investment. So I look at this as Crypto and stock investor.
You can't influence crypto nor the stock obviously. That's why it's a more like a gamble than investment if we don't use the "Can you influence it?" Point.
To others (beginner) investor who read this, you need to prepare and calm your mind before investing.
Do you understand it? (A must) (read some books/seminar)
Do you like it? (A must) (Do a deep conversation with yourself about this one)
Can you influence it? (Not a must ) (You can't control everything, it's called risk. Big risk, big profit or big loss / bankrupt)
That's why there are so many scams nowadays at crypto/stock. Be wise my friends.
Have a nice day.
@@siraftel7915 its a gamble more than an investment
@@siraftel7915 the act of buying and selling is the influence so it can be influenced
@@MXofTHREE it's miniscule at the best. Only Billionaire got the capital to do that brother. And I also think it's more like a gamble. Reading those graph, or whatever it's is big bs in crypto and stock. At best you can do base on the information (like a new hot-project release base on the coin, or new product from the company that selling their stock and analyze the possibility to gain some profit)
You need to have a diverse portfolio, when the market crashes from this current bubble dont cry
Great advice for HNI
for others, keep on doing SIP
I am not saying that real estate is wrong. But if you borrowed money to buy a real estate, you are obliged to pay mortgage regardless of your property is rented out or not.
And how about dividend you get from stocks? You can borrow money to invest in stock market and write off the interest you pay in the tax return.
What if you don't get your rent? Do you know how difficult and costly it is to evict someone? Also, are you aware of the personal liabilities you expose yourself to by inspectors and other government entities?
its all depends on how much capital you have for investment.
SCHD IS THE ONLY WAY! IF U HOLD YOUR STOCK FOR A YEAR TAX LIABILITY DWINDLINS TO 15%! REAL ESTATE IS A HEADACHE ANYTHING BUT PASSIVE!!!
Some stocks have dividends?
Option trading generates cash flow against your security
Jesus christ
On the point of liqidity stock market good cashflow and any day liquidity not in real estate I am not real estate is bad in liquidity point stock market and bank loan are the king boss
Options,commodities,dividends [leverage]
I’m with you…. Just waiting for get my stock investments out. I am done with stock and crypto
As a 12 year old kid who has made 1500 bucks off of 100 dollars in 2 years. Is a very good benefit. And dividends are a cash flow that you get paid by companies so some of your information is wrong but real estate is less risky
You can use as much leverage as you want in the stock market, exchanges will be happy to have you borrow and pay interest daily.
It makes very sense if he is talking about India. Here companies that pay dividend are so few in number mostly public sector stocks that dont show exponential growth. Also indian real estate market is not as hard as USA. Its a landlord's heaven.
1. Leverage with options.
2. I'd say it's better to pay taxes now because of history repeats, taxes won't go down.
3. Cashflow: I know you know about dividends. If not, Google will help.
4. Most stock you buy has a company behind it. So there goes the "hard asset".
5. Real estate rentals isn't all that easy, bad tenants, cap-ex, managing property managers etc. Make it a possible nightmare.
6. You get major debt with real estate because you own tons of money in property. But stock's you don't get that debt, if you do. You should go learn how to do it properly.
Real estate may be better for other people, but it's not better than stocks.
Your paying for liquidity, and you can margin your account no more than 50% to be safe. And dividends depending which stock you buy
You can actually make money on the shares you own. It’s called Covered Call strategy.
You can average 8-10% a year and the dividend too.
Your assumption was not denied but don't forgot about the requermet to began the journey in these sector ...In stock market , a tiny investor can perform with freedom but realstate is really massive costliest ✔️✔️✔️🤔
There is this thing called dividends .!
There are a lot of people that got crazy returns from the stock market and then re invested in real estate.
Tax?? Profit is profit ….
Focus on your mindset and skill sets, so you can be a consistent profitable trader and also successful real state investor.. 😃
K every thing is good in real estate as u mentioned no doubt but tell me which real estate will give me 100x return ..
😂you will have way more headaches in real estate 😂
@@moneymanifestation9505owing real-estate is like looking rich to others but ur poor internally bcoz of liquidity issues .
Can't wait till the realestate market to crash haha
I sat at home and made my 10,000 investment in tesla to 400,000$ with no effort. I pushed a button and was able to get 40x return in 5 years! No dealing with tenants, no dealing with realtors etc
Although you are absolutely right, it wasn't always that way. Companies used to pay a dividend on stocks. Companies also used to pay interest on their bonds. They had to, they had no choice. Banks were paying 6 or 7 percent on savings accounts. Insurance companies, retirement accounts kept resources in the bank or bought government bonds. The Federal Reserve artificially lowered interest rates thus robbing the middle class an opportunity, making Wall Street the default place for getting wealth, and causing real estate to appreciate past affordability. Sort of rigged in my opinion.
You could use stocks as collateral to take out loans that's what some billionaires do
Gonna need about a 6:1 ratio stocks:loan which is only attractive if you have billions and it doesnt matter
@@vitsadelhole oh? How many properties do you have?
Make a holding company and get the holding company to invest. The sell the asset the no capital gains tax .
Yeah you just have to pay the much higher corporate tax rate, yourself a salary and all the taxes associated with that, and still capital gains tax on any distributions
I want to learn about this topic in more detail. For example tax related things and other tips . Can you help me out. It would mean a lot to me.
Grant Cardone #2 is here
Bro😂😂😂😂
The tax stocks you just have to look at the expense ratio and individual stocks are bad that’s why you have index funds and ETFs
1. Margin, you can use the banks money. 2. You lose enough you can claim it on your taxes. (When you get margin called) 3. Stocks go up in value most years following inflation 4. Dividends pay out. 5 diversify that income.
Your tax benefits are by using a Roth account….you know the thing that is literally all about tax benefits
Uhh what are you talking about? You’re going to be paying taxes on owning a house too. Among other things like insurance and an interest rate in a loan. And maintenance
Use the proper words stock market is not trash
You we earning good we have to pay tax whether real estate or stock market or any other
Understand that if you are concentrating only on tax benefit it may not correct
Even if I buy home with liability I have to pay huge interest
Make a note that land is appreciate value and building is 100 percent depreciate value
It's ok you can concentrate on no problem but use proper words that's my concern we are long term option sellers boss
Even I can prove real estate has both pros and cons
Make a note if you earning good we have to pay tax
Even share market leverage boss
Even share market only place it beats more tha real estate
Wait so I can’t get a 100k loan from the bank buy stocks and repay the monthly instalments with the dividend and renviest the rest?😮
Other then no cashflow part else I can agree but still will invest in a asset that i like and understand.
Personally not a big fan of real estate specially in long run.
Dividends can give you cashflow
+ stocks are very liquid. Real estate isn't.
Buy dividend returning stocks, and you will get cash flow.
***invest in what you know******
Yet you pay high interest on leverage for banks money for real estate ?
Not the whole story .. leverage with options. And cashflow with dividends.
You can buy stocks with dividends
💯 right
Stock market = monkey business.....you are winner when somebody lose...that how its work....im with you bro....
Real Estate returns lower than stocks
Options??? Leveraged ETFs???? Dividends???
Young boy buys good stocks so when he's old he can buy a house.
Surely there are tax free vehicles in USA? Def are in UK
There’s a thing called “dividends” in stock market. Imagine reinvesting the dividends for years and then reaping it without having to deal with anyone like how you’d typically do when you are a landlord.
Okay or buy a commercial warehouse that has all of 2 high quality corporate clients and a cap rate of 8 leading to 40% returns right out the gate with a 20% dp that trounces your dividend
There is something called "capital"...
You can buy stocks with very less capital... It's not possible for real-estate...
At that point you have an income problem not an investment problem, most people have an income problem and most people are uncomfortable with that idea bc it directly attacks them for being to unproductive to be able to manage their money
What happens when the tenant can’t pay anymore
Really 😮 which real estate can I buy with 10 dollars. Bro pls I need advice 😂😂
as if you're not paying tax from your real estate earnings 🤦♂️
you could also take debts out of the promise of you stock holding do better as they already did like most ceo's do to buy anything in cash whislt not having to sell a single share or just buy a dividen stocks whose would pay you 4 times a year without having to sell nor buy your stock holdings free money baby
Stock market isn’t for everyone:)
Try futures options cash flow and hella leverage.
It's called dividends. If you have enough stocks from companies, you can earn alot of Dividends.
Do both
Liquidity?
U get dividends or buybacks
there is things called deviden
Tax think is so true ,it is worse
Renting is impossible in california! Trash tenants you cant evict!
Ok good for you.
You have to hope your tenants pay their rent, they might vandalize your building, you need to insure it, yoh need to periodically put money to keep it up to date.
Selling options is cash flow.
Dividends are also cash flow.
But if the stock blows you will be rich depending on how much you buy
It wont
@@vitsadelhole oh i guess warren buffet isnt rich
How to invest in real estate
Ever heard of dividends??
It doesn't work in ASIA
Real estate has a cash flow?!?!!!!
Is this valid in india