Considering a young mid income, short term minded person with constant need for cash, are these still worth investing into? I am new to all of these and have incurred so much losses, I am beginning to think I am not doing what is good for me but just following people blindly.
Following you has been an amazing journey, you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge sylvia nicolas.
It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast. I will also suggest investors to get yourselves a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
That was an excellent video. The only thing it was missing was a comparison on the tax implications and other costs associated withliquefying (selling) each investment type.
You should make a content on how to earn 6 figures in monthly profits cos I've been reading about investors making up as much and I'd really love to know how to such substantial profit in this current market....
I recommend to pick up and read a few books. Peter is where I was recommended to start. Learn different strategies so that you might develop your own.....
Only just started investing in stocks and ETFs so not familiar enough with that to have an opinion, property however has set myself and family up nicely for future. Bought first property in Sydney 2009 (recession) and have it watched it increase 270% on initial investment. Used equity to buy 2nd house and it has risen 29% in 4yrs.
Stocks are very profitable and okay too but don't just pick random stocks unless you are actually willing to research the company, or you’re likely to overpay.
@@thehunter9853 After my experience in 2017 of slow emotional torture here is my strategy i don't hold minor companies just Majors except i want faster profits at that time or when i get greedy i then opt for the minors through a Pro only because being very much more profitable it is riskier too and i can't handle Lol.
@@kathleenstoner.n7499 Smart Strategy! Pls where can i check ROIC, Market Cap, e.t.c. And again who is the Pro you work with? Can i hire or work with him?❤️
My sincere Apologies if this is wrong. I work with "Sandra Yvonne Webster" She's quite popular and a director with NTS. You can look her up online. in all honesty, she is an Angel.
After my name 🔝 his 📧 for more analysis invest in a secure Platform and broker where you will not lose your funds. I underwent series of trading loses l'd best not talk about before I was introduced to trading analyst....🔝
Hi Michael, the Pearler team has released a new micro investing platform - I know you have covered their services before. Could you do a video breaking down how the micro investing on pearler works, some of the fees and if it is at all better than using their normal investing service. Thanks.
It is such a weird time in the market, basically everything is very pricey right now. Hard to find a good place to park money. Not such a prob if youre starting out and still a kid, just DCA an index. For me I'm 33 and have paid off my mortgage, looking to start investing now but scratching my head a bit...wish I invested while paying my mortgage!...Bit late for that now heh.
Hey Michael, new subscriber to your channel. Love your content! Would there be any chance you could do a video comparing investing in stocks to investing in bitcoin?
I recently made more purchases. Saving money for a market downturn is likewise a bad idea. There are numerous ways to look at recessions and depressions, we cannot always expect to make large returns, and taking chances is better than doing nothing. The bottom line is that you will achieve remarkable results by diversifying your portfolio and making wise decisions. My portfolio's raw earnings rose by $608k in just 5 months.
Despite my confidence in your advice, my recent stock purchases, and the fact that I am an AMC shareholder, I haven't been able to accumulate anything. I had already been in the hole for too long prior to the downturn. What's the investing procedure?
I do not have a single fund that I invest in because I have a range of jobs. I certainly don't behave that way. I model my behavior after that of. Ruth Loralann Brennan, a seasoned financial counsellor licensed by the US Securities and Exchange Commission (SEC). Since then, my returns have risen swiftly in contrast to the IRA's gradual development. What I have is only used by her trades, not by a few really niche businesses.
@@harod033 That's incredible! If she's this talented and has A-list abilities, I'd like to speak with her. I also clone deals with a MAM account, but I still lose 20% of the time. How do I get in touch with her?
@@williamporter5333 Find her online, then get in touch with her. Ruth is well renowned for her work as a consequence of a recent Bloomberg piece. She has a homepage devoted to consultations, so you'll need to ask her about her rates.
@@harod033 Because my stock portfolio dropped $354k just last week, I'm keen to seize this chance. I've already written to the professional since finding her website.
I don't get it..... In property, the money comes from the renter to pay for the property or you put in a little of your own to top up for payments if the rent doesn't cover it. In shares ALL the monthly payments comes from YOU. How is this even comparable??????? Where you gonna find an extra $3800 every month for 20 years.... Can someone do the math for on the 167k in shares at 9.7% per annum turns into 3.9 million in 20 year ?????? Please help explain how ❤️🙏🧿
dividends are effectively a 'rent' that the investor gets for owning the portfolio. dividend reinvestment plans meant you're reinvesting the money that you get from your share investments.
@@raymondarthur5937 I understand that but the math dont add up. I would love for you to do an actual video with the math. Because it dose not add up. I want to be proven wrong so I can do what is presented but the math dont add up. IMHO
@@et8893 I think there is an assumption of DCA'ing over and above the initial 167k investment. You're right though, 167k would be worth about $1.05m after 20 years @ 9.7% compounding growth based on my calcs
@@raymondarthur5937 Like I said the numbers dont add up. There is NO DCAing 15:44 . It sounds good but the numbers do not add up ..... I cant figure out the math used ....
Cool video! Re the last note you mentioned at the end, would you recommend investing deposit money savings until you get the 20%? Even if it's only for a couple years before you sell the stocks to get the cash back
Great video well done 💪 explains it clearly. I am wondering too is it worth buying a small first PPOR to live in. Scenario is single father, mid 30s, but who has started investing in managed funds (Spaceship) and some Bitcoin. But who is also saving cash deposit for a house and is looking to buy by age 40.
So with your property example, I don't think you've fully utilised leveage, what happens in year 10, you do an equity loan and borrow up to 80% of property value to use as 20% deposit for your 2nd property, effectively allowing you to purchase 2nd property borrowing 100% of its purchase price, what will that outcome be in 20 years vs shares?
You would need to have sufficient borrowing power to take out a second loan against your equity. It's not that easy to just keep borrowing, not to mention it can be incredibly risky if interest rates go up or you are no longer able to service the loan because you lose your job or you can't get a tenant etc.
@@AarTinOo Yea totally agree, that’s why I find it's very hard to do these comparison, you always need to take consideration your own situation, life stage and income. Having said that, since this video is about comparison of investment return and the biggest advantage of buying property is leverage. I think it should at least include 1 equity release and purchase a 2nd property at year 10 and see if it made any difference to the outcome? In terms of servicing, yes you need to have the income before the bank will lend you money, but since we already made an assumption that the bank will lend you 80% of the initial purchase, we should also assume the bank will lend 100% of the 2nd property, since both rent and income will be growing at 2-3% p.a., so servicing shouldn't be far off in 10 years. In fact, with scenario 2, if you want to put in the same amount mortgage repayment into shares every month, you need to be on higher income to invest in shares then property. Finally interest rate do go up, but it is already model at 5.50% so it is already accounted for.
Interesting topic. I have a few places, bought 2 in qld 7 yrs ago (I love in melb) My outlay was 50k, 2x 25k deposits. Both rent out at around 280 pw so the cost of ownership is break even. One went from 250k to 375k and thr other was 275k to 330k. So my return on my 50k deposit is about 200k over 7 or 8 yrs (rough figures for simplicity). 50k in a etf would be much lower. Although 50k in lithium would made a LOT more
Hi Michael, very thorough, I've watched all of your videos and have subscribed. For a future video, could you do a review of Stake, for investing into the ASX. Brokerage appears to be around $3. And is CHESS ♟️ sponsored. What's the catch?! It appears better than Pearler and Self Wealth based on brokerage costs! Keep up the great work 🙌
Considering a young mid income, short term minded person with constant need for cash, are these still worth investing into? I am new to all of these and have incurred so much losses, I am beginning to think I am not doing what is good for me but just following people blindly.
Following you has been an amazing journey, you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge sylvia nicolas.
It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast. I will also suggest investors to get yourselves a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Great to see you guys talking of sylvia, Trading on your own can be very dangerous i can testify to that. This woman changed the game for me
Any info on how i can liaise with her, i'm new at this
she often interacts on Telegrams
That was an excellent video. The only thing it was missing was a comparison on the tax implications and other costs associated withliquefying (selling) each investment type.
You should make a content on how to earn 6 figures in monthly profits cos I've been reading about investors making up as much and I'd really love to know how to such substantial profit in this current market....
I recommend to pick up and read a few books. Peter is where I was recommended to start. Learn different strategies so that you might develop your own.....
who is your financial coach, do you mind hooking me up?
I just looked her up and her strength is very attractive, I will definitely write to her soon. Thanks......
Only just started investing in stocks and ETFs so not familiar enough with that to have an opinion, property however has set myself and family up nicely for future. Bought first property in Sydney 2009 (recession) and have it watched it increase 270% on initial investment. Used equity to buy 2nd house and it has risen 29% in 4yrs.
Stocks are very profitable and okay too but don't just pick random stocks unless you are actually willing to research the company, or you’re likely to overpay.
@@thehunter9853 After my experience in 2017 of slow emotional torture here is my strategy i don't hold minor companies just Majors except i want faster profits at that time or when i get greedy i then opt for the minors through a Pro only because being very much more profitable it is riskier too and i can't handle Lol.
@@kathleenstoner.n7499 Smart Strategy! Pls where can i check ROIC, Market Cap, e.t.c. And again who is the Pro you work with? Can i hire or work with him?❤️
My sincere Apologies if this is wrong. I work with "Sandra Yvonne Webster" She's quite popular and a director with NTS. You can look her up online. in all honesty, she is an Angel.
truly informative! you have a knack for making things easier to understand for begnners like me. And thank you for providing real world example=)
too kind! thanks for watching :)
Please keep on uploading, we miss you
Please do a follow up video part 2 of the tax advantages of both investments over the 20 years and which one comes out on top overall
Wait for long time and love it.
Thanks for the support 🙏
Awesome Update thanks Michael,
Glad it was helpful!
Weirdly enough I only just wondered when you’re next post would be out. Low and behold published a minute ago. 😂👌👌
Sorry its been a while!! Will try to get these out more often!
@@michael_ko 💜
Great looking videos man! Keep up the good work 👌🏻
thanks :)
Hi Michael - Can you make a new video about Stake and their relatively new $3 ASX brokerage fee v Pearler/Self-wealth?
After my name 🔝 his 📧 for more analysis invest in a secure Platform and broker where you will not lose your funds. I underwent series of trading loses l'd best not talk about before I was introduced to trading analyst....🔝
Hi Michael, the Pearler team has released a new micro investing platform - I know you have covered their services before. Could you do a video breaking down how the micro investing on pearler works, some of the fees and if it is at all better than using their normal investing service. Thanks.
Thank you for this very informative video. Appreciate it 😊
Good advise bro! Where are you based!? In Sydney or Melbourne
Thanks Michael
Thank you for watching and commenting!
I miss your videos!
Would be good to get a detailed calculations excel for this comparison
Awesome video! So informative and so helpful!
It is such a weird time in the market, basically everything is very pricey right now. Hard to find a good place to park money. Not such a prob if youre starting out and still a kid, just DCA an index. For me I'm 33 and have paid off my mortgage, looking to start investing now but scratching my head a bit...wish I invested while paying my mortgage!...Bit late for that now heh.
Mate, 33 and mortgage paid off, you're well ahead of most people your age.
+1 to Assa - it’s amazing achievement for owning your own house in 33!
Another good video!
glad you found it useful 😄
Where is Michael ?
Hey Michael, new subscriber to your channel. Love your content!
Would there be any chance you could do a video comparing investing in stocks to investing in bitcoin?
Very informative content
I recently made more purchases. Saving money for a market downturn is likewise a bad idea. There are numerous ways to look at recessions and depressions, we cannot always expect to make large returns, and taking chances is better than doing nothing. The bottom line is that you will achieve remarkable results by diversifying your portfolio and making wise decisions. My portfolio's raw earnings rose by $608k in just 5 months.
Despite my confidence in your advice, my recent stock purchases, and the fact that I am an AMC shareholder, I haven't been able to accumulate anything. I had already been in the hole for too long prior to the downturn. What's the investing procedure?
I do not have a single fund that I invest in because I have a range of jobs. I certainly don't behave that way. I model my behavior after that of. Ruth Loralann Brennan, a seasoned financial counsellor licensed by the US Securities and Exchange Commission (SEC). Since then, my returns have risen swiftly in contrast to the IRA's gradual development. What I have is only used by her trades, not by a few really niche businesses.
@@harod033 That's incredible! If she's this talented and has A-list abilities, I'd like to speak with her. I also clone deals with a MAM account, but I still lose 20% of the time. How do I get in touch with her?
@@williamporter5333 Find her online, then get in touch with her. Ruth is well renowned for her work as a consequence of a recent Bloomberg piece. She has a homepage devoted to consultations, so you'll need to ask her about her rates.
@@harod033 Because my stock portfolio dropped $354k just last week, I'm keen to seize this chance. I've already written to the professional since finding her website.
Can you explain the maths behind getting 7.4% per annum
Dude are you also a runner?
I don't get it..... In property, the money comes from the renter to pay for the property or you put in a little of your own to top up for payments if the rent doesn't cover it.
In shares ALL the monthly payments comes from YOU.
How is this even comparable???????
Where you gonna find an extra $3800 every month for 20 years....
Can someone do the math for on the 167k in shares at 9.7% per annum turns into 3.9 million in 20 year ??????
Please help explain how ❤️🙏🧿
dividends are effectively a 'rent' that the investor gets for owning the portfolio. dividend reinvestment plans meant you're reinvesting the money that you get from your share investments.
@@raymondarthur5937 I understand that but the math dont add up. I would love for you to do an actual video with the math. Because it dose not add up. I want to be proven wrong so I can do what is presented but the math dont add up. IMHO
@@et8893 I think there is an assumption of DCA'ing over and above the initial 167k investment. You're right though, 167k would be worth about $1.05m after 20 years @ 9.7% compounding growth based on my calcs
@@raymondarthur5937 Like I said the numbers dont add up. There is NO DCAing 15:44 . It sounds good but the numbers do not add up ..... I cant figure out the math used ....
Cool video! Re the last note you mentioned at the end, would you recommend investing deposit money savings until you get the 20%? Even if it's only for a couple years before you sell the stocks to get the cash back
Quiet risky as market can have a downturn when you want to use your deposit
And don’t forget that you will need to pay CGT (capital gain tax) when you sell your etf/stocks.
Great video well done 💪 explains it clearly.
I am wondering too is it worth buying a small first PPOR to live in. Scenario is single father, mid 30s, but who has started investing in managed funds (Spaceship) and some Bitcoin.
But who is also saving cash deposit for a house and is looking to buy by age 40.
So with your property example, I don't think you've fully utilised leveage, what happens in year 10, you do an equity loan and borrow up to 80% of property value to use as 20% deposit for your 2nd property, effectively allowing you to purchase 2nd property borrowing 100% of its purchase price, what will that outcome be in 20 years vs shares?
You would need to have sufficient borrowing power to take out a second loan against your equity. It's not that easy to just keep borrowing, not to mention it can be incredibly risky if interest rates go up or you are no longer able to service the loan because you lose your job or you can't get a tenant etc.
@@AarTinOo Yea totally agree, that’s why I find it's very hard to do these comparison, you always need to take consideration your own situation, life stage and income. Having said that, since this video is about comparison of investment return and the biggest advantage of buying property is leverage. I think it should at least include 1 equity release and purchase a 2nd property at year 10 and see if it made any difference to the outcome?
In terms of servicing, yes you need to have the income before the bank will lend you money, but since we already made an assumption that the bank will lend you 80% of the initial purchase, we should also assume the bank will lend 100% of the 2nd property, since both rent and income will be growing at 2-3% p.a., so servicing shouldn't be far off in 10 years. In fact, with scenario 2, if you want to put in the same amount mortgage repayment into shares every month, you need to be on higher income to invest in shares then property.
Finally interest rate do go up, but it is already model at 5.50% so it is already accounted for.
Long time since posted
I have $10,000 in shares and l get $1,000 a year, I think l stay with shares 🤑.
No repairs and insurance .
For the algorithm
why not just invest in reits
Definitely an option - I mention it right at the end
You alive mate? hope all is well, no posts in almost a year!
Over 2 years now 😭
Interesting topic. I have a few places, bought 2 in qld 7 yrs ago (I love in melb) My outlay was 50k, 2x 25k deposits.
Both rent out at around 280 pw so the cost of ownership is break even.
One went from 250k to 375k and thr other was 275k to 330k. So my return on my 50k deposit is about 200k over 7 or 8 yrs (rough figures for simplicity).
50k in a etf would be much lower.
Although 50k in lithium would made a LOT more
Handsome guy
Baby comeback
Cute boy
I got a msg from you in insta. Please let me know if legit.
No. That's a fake scammer account. My real account is @michaelko.
Hi Michael, very thorough, I've watched all of your videos and have subscribed. For a future video, could you do a review of Stake, for investing into the ASX. Brokerage appears to be around $3. And is CHESS ♟️ sponsored. What's the catch?! It appears better than Pearler and Self Wealth based on brokerage costs! Keep up the great work 🙌