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 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
i am 21 and i have about 100k to invest but not really sure how or where to start. I want to build a good investment portfolio and have been looking at videos and doing research to be more educated. Where should i invest this for stable cashflow?
Stocks are pretty volatile now, but if you do the right math you should be just fine, whereas you can save yourself the hassle by employing the service of a really successful advisor, one with experience since the '08 crash.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advlsor.
I'm intrigued by this. I've searched for financial advlsors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but 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.
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 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
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
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
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.
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'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.
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.
Do you think it's a good time to consider selling some stocks, or is it better to hold onto them for the long term? I’m considering rebalancing my $2M portfolios, So I'm curious about the best strategies to invest this year.
navigating market volatility can be challenging, it might be beneficial consulting with an advisor to provide personalized insights based on your specific situation and financial position
No doubt, getting proper financial advice is invaluable, my portfolio is well-matched for every season of the market and just yielded 120% from early last year. I and my advisor are working on a 7 figure ballpark goal, tho this could take another year.
My CFA is Sonia Nunes Demelo, 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..
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.
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.
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.
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.
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
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 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 🙃
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, please create that video. But remember all the real estate benefits. Depreciation, principal down payment, appreciation, 1031 exchange possibilities, cost, secretion, etc., etc.
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.
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.
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.
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..
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.
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.
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!
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.
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.
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.
Graham, I would LOVE to see a video of yours on stocks VS real estate! This is actually a huge question I have as I start my financial journey. Currently the only exposure I have to stock is in my 401(k) and Roth. Would love to know what kind of spilt you recommend or have for yourself.
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.
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.
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
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
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?
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.
I'm here working on my rental property... It is a lot of work. But i would be open to watching your analysis to broaden my horizons. Please make the video Graham!
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.
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.
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.
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
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 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 have been grappling with this for the past few years. I want to diversify into real estate, but the math doesn’t make sense on many properties I have evaluated in my area.
I think your own version of the video would be cool. Include what the numbers would be if you had bought the home as a primary residence and would have otherwise been paying rent.
Did Shelby approve using her face on your thumbnail?? (It’s a joke but not really cuz Shelby has talked about people using her face on their thumbnails then saying negative things about her. I’m sure they talked with each other since they’re friends)
I've been waiting for someone to perform a proper analysis on whether a home purchase is financially worth it or not, taking into account mortgage interest payments, real estate taxes, HOA fees, structural and mechanical repairs and replacements, and derivative purchases (extra furniture, big riding lawnmowers, snowblowers, etc.) I think people look at the purchase price and sale price, and think they made a bunch of money along the way. Maybe some, but not what they make it out to be.
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.
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
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
i am 21 and i have about 100k to invest but not really sure how or where to start. I want to build a good investment portfolio and have been looking at videos and doing research to be more educated. Where should i invest this for stable cashflow?
$GME and also Invest in real estate, ETFs and high-yield savings account.
Stocks are pretty volatile now, but if you do the right math you should be just fine, whereas you can save yourself the hassle by employing the service of a really successful advisor, one with experience since the '08 crash.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advlsor.
I'm intrigued by this. I've searched for financial advlsors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but 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.
Definitely a video I want to see. Your own rentals vs stock market
💯 percent would love to see that video!!
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 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
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
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
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
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'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.
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.
Yes, Graham, please do a comparison video of your real estate investments vs. stock market!
Do you think it's a good time to consider selling some stocks, or is it better to hold onto them for the long term? I’m considering rebalancing my $2M portfolios, So I'm curious about the best strategies to invest this year.
everyone needs a margin of safety in their portfolios and just remember, it's time in the market not timing the market
navigating market volatility can be challenging, it might be beneficial consulting with an advisor to provide personalized insights based on your specific situation and financial position
No doubt, getting proper financial advice is invaluable, my portfolio is well-matched for every season of the market and just yielded 120% from early last year. I and my advisor are working on a 7 figure ballpark goal, tho this could take another year.
I’ve been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
My CFA is Sonia Nunes Demelo, a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
*I'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*
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.
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.
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.
Maybe Graham and Shelby can sell us their homes 😊
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.
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.
Can you make a video about how much money you’ve made off of Selby Church videos?
Oof
"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 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
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 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 🙃
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, please create that video. But remember all the real estate benefits. Depreciation, principal down payment, appreciation, 1031 exchange possibilities, cost, secretion, etc., etc.
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.
My vote for your video Real Estate vs Stocks, Graham😊
We have not experienced recession for a while …, over valued stocks and housing market
Good luck!! We are going to need it!
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.
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.
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.
Yes pls make your own version of this! I’d love to watch 💜
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
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.
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.
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.
I would love to see that video!!! Always good to get other investors prospectives!
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!
Appreciate the content!!!
Make that video for us Graham.
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.
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.
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’d like to see a video breakdown of real world properties vs. stocks!
Absolutely would love to see a real-estate vs stock including all the tax advantages of real estate
Graham, I would LOVE to see a video of yours on stocks VS real estate! This is actually a huge question I have as I start my financial journey. Currently the only exposure I have to stock is in my 401(k) and Roth. Would love to know what kind of spilt you recommend or have for yourself.
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.
Sharon Ann Meny 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.
Please make the video on your real-estate vs. stock portfolio :)
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 💯
Good video.. and yes we want to know how your real estate compares to simply buying index funds!
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!
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
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.
Yes, please make a video comparing your real estate costs to the stock market over a period of time. Thanks!!
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?
Best rent is in a housing cooperative. It is cheap, safe and you have a lot of control and voice on the property.
I would love to see Graham do the same video as Shelby. Compare his market investments to his real estate investments!
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.
I'm here working on my rental property... It is a lot of work. But i would be open to watching your analysis to broaden my horizons. Please make the video Graham!
Yes please make your own version of this video!
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.
I would love to see you do the real estate vs stock market video. Good call, I would definitely watch that from you.
You should do this same video, compare stock market vs your real estate
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.
I'd definitely watch your version of the video she made. I've had cold feet on getting investment properties after 2020
Yes! Would love to see the comparison on your real estate
I’d love to see that breakdown, also would love to know is you think being a realtor is still a good career these days?
Thx
YES to the stock market video!
I would love to see your real estate vs stock market comparison
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.
Yes, please do that comparison video Graham! By the way, you still have that gold el primero?
I’d be very keen to see your version Graham
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
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.
Does policygenius policies have living benefits too? Or just DB only?
Yea I would love to see that video graham!
Would be a great video to do Graham. Would watch it definitely
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?
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 have been grappling with this for the past few years. I want to diversify into real estate, but the math doesn’t make sense on many properties I have evaluated in my area.
I would live to watch a video of you breaking down your own experience!!! Thank you for this amazing video 14:32
I think your own version of the video would be cool. Include what the numbers would be if you had bought the home as a primary residence and would have otherwise been paying rent.
I’d watch the video breaking it down. I find her breakdown fascinating.
I love a crossover - two of my favourite RUclipsrs!
Love to see that video!
Would love you to create a video of you analyzing your portfolio!
Long time watcher, first time commenter. Make your own!!! I’d love to see your take on
Definitely want to see you do your own version of this video
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!
Can’t forget about loan fees and agent fees when selling
Yes! Make that video with your perspectives.
Did Shelby approve using her face on your thumbnail?? (It’s a joke but not really cuz Shelby has talked about people using her face on their thumbnails then saying negative things about her. I’m sure they talked with each other since they’re friends)
Shelby is great! If anything, this video is overwhelmingly positive!
I've been waiting for someone to perform a proper analysis on whether a home purchase is financially worth it or not, taking into account mortgage interest payments, real estate taxes, HOA fees, structural and mechanical repairs and replacements, and derivative purchases (extra furniture, big riding lawnmowers, snowblowers, etc.)
I think people look at the purchase price and sale price, and think they made a bunch of money along the way. Maybe some, but not what they make it out to be.
I would absolutely watch that video! Thanks for this one 😊
Very interesting, I would be interested in your video