Invest In A House or S&P 500 Which Makes More Money

[@VanillaCherryBread]

VGT is up 1200%! Real Estate requires lots and lots of time and money! You need to factor TAXES/INSURANCE/MAINTENANCE!! If you want Real Estate you better have deep pockets! Plumbing, AC/Heat System/Electrical/upgrades!!! It's never ever ending! Sold my 3 properties and invested in good blue chip companies and ETFs! I make more money with way less headaches!

[@Mitchell.Holland]

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.

[@henrymitchell9717]

Why not both? Why chose to be poor? Be rich my man?

[@VanillaCherryBread]

@@henrymitchell9717 $1.4 million is poor? Salute my friend!

[@jameskozlowski5496]

The problem with selling a handful of properties and dumping them into the sp500 is that you will be paying a massive amount of capital gains tax on the sale of those properties. So it may make sense to keep them if you're making enough in rent to make 7% of The value of the property. The tax ramifications are huge when selling. If it wasn't for that it would make sense to put it all in the S&P. However diversification is not bad either. The rent always comes in but in down markets drawing money from investments for living is not a good thing.

[@larrydimon7811]

I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!

[@LejlaGöransson]

There is obviously a compounding effect in the very long term for large capital, but is not "automatic", and with the wrong strategies you can even lose more than you have, and selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies.

[@KristensenJørgensen]

DCAing amongst various assets is a good strategy and can help reduce the impact of market volatility and thus a good strategy if you are looking to compound . However it is important to consider financial advisory when investing .

[@dianarabbanii2]

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.

[@Robbertskypes]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfoIlo allocation

[@dianarabbanii2]

Finding financial advisors like Viviana Marisa Coelho who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@DanielOrstein]

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.

[@jerrycampbell-ut9yf]

I seriously doubt that S&P 500 will plunge 26%, Reason? There is an equal market chance associated with each crash or collapse. I have seen people accumulate up to $1 million during a crisis, and even make it work in a strong economy if they are prepared and well-informed. Without a doubt, the bubble/collapse is making someone wealthy.

[@Peterl4290]

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 the covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.

[@larrypaul-cw9nk]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My Fiduciary-counsellor helped me realign my portfolio to my risk tolerance and it boomed overtime.

[@sabastinenoah]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Yo! is it Okay if I ask you for a recommendation?

[@larrypaul-cw9nk]

Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@sabastinenoah]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@LesterHess-t1x]

I don't think the S&P 500 will drop 26%. Why? Every crisis or collapse is accompanied by an equal market chance. In times of crisis, I have witnessed people amass up to $1 million, and if they are well-prepared and knowledgeable, they can even make it work in a robust market. The bubble/collapse is unquestionably making someone rich.

[@wmwoods-l4f]

No offence intended, but the problem is that most people have the "I want to do it myself mentality" but are ill-prepared for a crash, which leads to burns. Financial consultants are generally the best people for investing positions. Based on my own experience, my portfolio has produced a huge return on investment (ROI) since January 2020, during the COVID-19 pandemic, and as of right now, it has reached seven figures.

[@j.ottinger]

Under the direction of experts, accurate asset allocation is essential. I own 850k in equity, 300K in cash with 5.25 interest, 685K in a 401(k), 250K in cash, 120K in paid-off automobile assets, and gold and silver bars. 48 years old. My portfolio increased over time after my fiduciary counsellor helped me realign it to my risk tolerance.

[@karitanaw]

This intrigues me. I've looked online for financial advisors, but finding one is a bit difficult. Hey! Would you mind giving me a recommendation?

[@j.ottinger]

Her name is Annette Marie Holt can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@karitanaw]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@PASCALDAB]

Rule 8 indicates you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioral psychology. How can I generate more income to retire with at least $3m for long term care?

[@Tonyrobs2]

We share common goal, making sure you are ready for your later years is very important. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias especially if they engage professional help.

[@viviancarolgioao]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@SeanTalkoff]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help

[@SeanTalkoff]

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.

[@joepeng6371]

3 mil is nothing, need a lot more than that for good retirement

[@Bardo123-r3e]

Buy the least expensive house that will meet your needs (what ever your criteria might be), we raised 2 boys in a 900 square foot house with one bathroom (no downsizing in retirement required, lol). Pay it off as soon as possible, within reason. If available invest up to the match in your 401k or ... Start an after tax brokerage account as soon as you can and buy a diverse group of ETFs ( Example: SPY 40%, SCHD 40%, XLV10%, XLK10%) monthly. As you approach retirement, learn about more cash producing ETFs and CEFs. This recipe will give not only make you comfortable in retirement, but create a lot of wealth. Become your own financial advisor and don't worry about having some cash producing ETF/CEF that have a 1% fee. As your own financial advisor you can choose how much of your assets you want under management.

[@aquarelle979]

What was your initial investment?

[@FineEpicArt777]

YES, the best advice I can give is to live cheap! this is how you get ahead in life.

[@gordonhopkins4658]

Why pay your house off as soon as possible? Why not use that equity and buy another house? Leverage the banks money. Borrow at 5% invest at 10%. If you pay off your mortgage, your money just increases at the rate of inflation.

[@angentle9724]

How old are you? I am born 1989. And this is exactly what I am done. I move to canada 2016 and bought first house 2019. 5 years later 2024.9.1. I paid off my house. And now I don’t need worry about anything. Just taxes and bills. That’s it. But now I don’t know what is next. I just save few money..

[@Mlanderos-t9e]

The effects of the downturn are beginning to sink in. People are being impacted by the long-term decline in property prices and the housing market. I recently sold my house in the Sacramento area, and I want to invest my lump-sum profit in the stock market before prices start to rise again. Is now the right moment to buy, or not?

[@Anessa-gibson]

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.

[@garnold-l5p]

I agree with you, since the market became extremely volatile and pressure increased (I should be retiring in 17 months), I took the decision to work closely with a financial advisor. It has already been 9 months and counting, and I have made approximately 600K net from all of my holdings.

[@Raniyanhunter]

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.

[@garnold-l5p]

My CFA is Judith B. Richards, 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. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@Raniyanhunter]

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

[@skidplatedamaged]

An important point that wasn’t mentioned is stocks can be easily sold or exchanged which is not the case with a house. There is also capital gains tax advantage when you sell if you own the home long term.

[@PeterParker-wj3cr]

Not to mention. There is a difference between owning a home to live in. juxtaposed to a rental property. But for those that live in their home. It provides zero cash flow. Plus it requires the home owner to continue paying the mortgage in order for you to even live in it.

[@csick11]

Taxes on homes sucks and repairs. I would have loved to own second home but at this point with prices. I'm better off renting and retiring with 1.2 million

[@МЕГАПоЗиТИВ-й2е]

@@PeterParker-wj3cr AND property tax AND HOA fee if it's a condo or part of community AND special assessments AND homeowners insurance AND repairs. If someone wants RE it's almost better to invest in a RE fund and keep renting.

[@helloitsmehb]

This is why I don’t include my home into my net worth calculation. It’s my house to live in. I would never rent it out or leverage it for another investment. That’s too risky for me at my age and income levels. I’m 56

[@BarryWhite-h9m]

I'm in a similar dilemma. I recently sold my house in Brooklyn for about 1.3m and I want to diversify half of the money to include stocks and perhaps digital currencies but not sure how to proceed. How can I allocate properly and make the best choice for maximum ROI?

[@MarkJoe-e7f]

Well it's not that hard to make lots of profit if you optimally allocate funds, but it requires some technical analysis. I'll highly recommend you work with a financial advisor.

[@JoelCharisma-q5u]

I agree. I started investing with a CFP who has a good understanding of the market. This third quarter I've already made more than 150k in net profit.

[@BarryWhite-h9m]

This is incredible profit. Could you recommend who you work with so I could check them out?

[@JoelCharisma-q5u]

Her name is *Marissa Lynn Babula* can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@50whatnomadtravelnursemtb5]

Wow so much trouble lmao

[@tonysilke]

I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?

[@Nernst96]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

[@PatrickLloyd-]

Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $1million in that time frame.

[@PhilipDunk]

@@PatrickLloyd- Do you mind sharing info on the adviser who assisted you? I'm 49 now and would love to grow my stock portfolio and plan my retirement

[@PatrickLloyd-]

My CFA SOPHIE LYNN CARRABUS 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..

[@RobbieNixon-d1w]

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.

[@mydressmemos]

A house isn't the best investment, considering the state of the economy right now. After selling my Boca Grande house, I want to put $200K into stocks because they can still increase in value during difficult times. Do you have any great ideas for stocks?

[@winifred-k9e]

The truth is that if you make the right picks, you could make killer riches very quickly, although such profit usually needs expertise, as in hedge funds or financial managers. I personally prefer the latter.

[@richardhudson1243]

Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.

[@LUCIASMITH-d1z]

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.

[@JacobsErick-u8r]

I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.

[@Starkada]

Investing in VUG has been the best thing I've ever done. It's vanguards growth fund. Look it up and it's history over the last 10 years

[@Theodore-tu5zg]

The stock market is definitely picking up pace right now, but I still think investors should be careful at this time. I'm actually a newbie in this space, so I'm open to hearing other investors' take on this.

[@Franky-j6e]

I think the market is likely at its best now, but I still believe having a financial advisor is crucial to navigate the market and moderate your risk. Their expertise can really help you make informed decisions

[@louisahernandez]

I agree. I've been working with a financial advisor since 2020, and I return up to 20 grand every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.

[@V.stones]

Do you have any recommendations for a good investment advisor? I could really use some help.

[@louisahernandez]

My CFA, Joseph Nick Cahill, is a renowned figure in his field. I recommend researching his name online; you'll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.

[@SergioRomano-nj8eb]

Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon!

[@RicksCafeAmericana]

I do both. I put 75% of my investment dollars in stocks and 25% in real estate. I enjoy both.

[@Shadowguy456234]

This is the correct answer! But, no fixed-income/bonds?

[@RicksCafeAmericana]

@ Definitely dividend stocks, bitcoin, and bonds (5%)

[@thebryster240]

CD's?

[@harrychu650]

You have to factor in carrying costs associated with real estate. 2% maintenance per year, repairs, property taxes, and so on.

[@Fatboylo1980-l7n]

It’s really hard to compare the two because they are so different. I’ve done both at same time, for me over the 20 years I owned real estate, stock market has way outperformed my real estate, I’ve also spent countless hours on my real estate, being a builder I do all my own work with few exceptions so my time is worth money, I’ve had evictions that have cost me thousands, repairs, vacancies etc. i sold one and cashed a big check, tenant’s paid for it but I worked it and dealt with the issues that came up regularly. For me it wasn’t a good investment. I’m sure other people would disagree but that just my experience

[@helloitsmehb]

I hear you. Real estate investing is a job in itself. I already work 60 hours a week

[@benjamindavidson22]

Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.

[@Johnlarry12]

Wall Street pitched so-called quality stocks with high profitability and low debt, as a kind of insurance against whatever the economy might throw at you. Quality stocks have underperformed the S&P500 this year, My $200k portfolio is down by approximately 20 %, any recommendations to scale up my returns on investment

[@monicawill5]

Nobody knows anything You need to create your own process, manage risk and stick to the plan, through thick or thin While also continuously learning from mistakes and improving.

[@frankbarnes22]

Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $3million in that time frame.

[@scottarmstrong11]

Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my stock portfolio and plan my retirement

[@frankbarnes22]

My CFA Carol Vivian Constable, 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..

[@Erikkurilla01]

Investing for retirement by yourself can be risky due to their complex strategies, high fees, and potential for significant losses. Without expert knowledge, it's challenging to fully assess the risks and returns, making professional guidance crucial.

[@ibrahimaisaadan]

Investing for retirement can be tricky to navigate without deep financial expertise. The complex strategies and high fees involved mean that the risks can be substantial, and it’s hard to fully grasp these without experience. Professional guidance is key to making informed decisions and avoiding potential pitfalls.

[@susannicky]

The comments emphasize the risks of investing for retirement without professional expertise. A financial adviser can help navigate these complexities, ensuring that investments are well-managed and aligned with financial goals. Their guidance is crucial for assessing risks, maximizing returns, and making the investment process more secure and personalized.

[@jessicasquire]

Glad to have stumbled on this comment,, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them??

[@susannicky]

My CFA JULIANNE IWERSEN NIEMANN 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..

[@jessicasquire]

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.

[@karenjensen2345]

Absolutely invest in a home. Move to a cheaper walkable area downsized to one car and 2 bikes and an electric golf course paid cash for the house and am not worried about ever being homeless. Priceless

[@PeterParker-wj3cr]

Does your downsize home provide any cash flow?

[@csick11]

You won't be homeless when you have dividends and compound interest with investment. Housing repairs and taxes with the current market will bite you! You can retire early investing and traveling and living in cruise ship with free meals that cost less than renting a apt. I don't recommend buying a house at age 40s with today's market

[@csick11]

Of course unless you want to work for another 30 years at age 40 and miss out on retirement

[@republicunited2183]

Either way, you’ll pay rent or taxes. Garden at home to save on food exp.

[@benzun9600]

More middle class have become millionaires through real estate than the stock markets.

[@JohnCash001]

I find most financial advisors are kind of useless, mostly because the vast majority have never actually invested a large sum of money, they have conflicting interests usually and can not provide an honest allocation. It is a complete waste to pay many of these fee like 1% annual fee when you can just be in a low-cost index fund.

[@HerCalifornia]

I completely agree. I have never earned more money using a financial advisor. I have researched and chosen my own stocks/ETFS and have diversified my portfolio myself, and the returns have been more than double that I ever earned with a financial advisor! IN FACT, some of my biggest losers have been chosen by financial advisors!

[@naumanayub1348]

Very true.

[@g5061]

I agree.

[@BinuDauti]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@BinuDauti]

@ThamaraSchlossarek Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* .....

[@BinuDauti]

*MARGARET MOLLI ALVEY*

[@BinuDauti]

Lookup with her name on the webpage.

[@HiepPham-e5k]

what’s stock do you buy?

[@stevetimmermans5311]

A major point always needs to be included. You can live in a house investment. You cannot live in an ETF investment. Probably a $2000+ value per month.

[@jaday4230]

I just signed a rental contract yesterday, the monthly rent is only $3400, but to own the same house is 1.3 million. it will require 20% down payment + $9500 mortgage + $120 +other potential repairs. There was a time, buying property is a good investment, but definitely not now

[@felix842002]

U don’t invest in a house..u live in it.. investment starts when u have a house, water, food, clothing.. the basics. U don’t invest in clothes as well. U need the basic living. When u have a principal house and you are considering a second house for investment purpose that is when this question becomes relevant.

[@motobikemike914]

What I think is great about real estate as investment properties is the triple benefit you get. First, you have someone else paying your mortgage plus hopefully enough margin to cover expenses and repairs through rent. Second, you get tax breaks on your expenses and depreciation. Third, you benefit from the appreciation of the total value of the property, not just what you put into it. So let's use Azul's example, you put $100,000 down on a $500,000 house. In ten years, the amount you owe could be around $325,000, but the property would be worth $825,000 based on 5% value increase year over year. So essentially, you would be making about $500,000 in profit on a $100,000 investment. Of course there are so many mitigating factors and risks... repairs, occupancy, interest rates, down markets. But overall, no other investment has the potential to provide those kinds of returns IMO.8

[@XMan-nz9xy]

1. Finding a house to buy where the rent fully covers the mortgage + repairs etc. is super rare. 2. Real estate does not appreciate 5% YOY, more like 2-3% (as Azul said, in line usually with inflation). So your whole premise is wrong for most people and in most circumstances.

[@motobikemike914]

@@XMan-nz9xy good points, it would be harder to do this today, but not impossible. Where I live, homes have appreciated 417% over the last 30 years, averaging 8.8% YOY. I don't know who "most people" are, but there are hundreds of thousands of people who still invest in real estate successfully even today.

[@PrabhuKumarkunghattehall-kn5fh]

Profit calculated is completely incorrect - first if the profit increase by 5%, the value of property would be 641k not 825 Second you have not consider the emi that you pay every month for 5 years..

[@stevenlowe9807]

When you consider families now typically have dual incomes instead of one, it's really 12x vs 4x gross pay when comparing to the past.

[@liamdwillis]

2:40 Sadly a home is not an Asset it is a LIABILITY this was one of the key points in the book Rich Dad Poor Dad.

[@reggie5495]

Robert Kiyosaki doesn't know what he's talking about and made his money by selling that crappy book. Look how much debt he's in now. He's bankrupt. Maybe he should have bought some property. 😂

[@95boostedkoki]

@@reggie5495probably has a bigger net worth than you though….

[@joshualegault1095]

Owning a house is the best way to get your family out of generational poverty

[@SunRise-ul7ko]

I live in Sydney, Australia & bought my house in 1986. Since Sydney has massive immigration, I would say my house has increased in value at double the inflation rate since I've owned it.

[@Andygb78]

So you only spend part of the year living at mar-a-lago.

[@romangabriel007]

The stock market doesn’t have home owners insurance or property tax or repairs.

[@sisisisi6]

I had this same question in my head. Why someone would choose RE with all of the extra work involved for mere 8% or less in most cases vs. investing in stocks. I guess diversification is always a good idea

[@user-od9iz9cv1w]

I am a pretty conservative investor. I like owning a home. When I own a home without debt, I feel safe. I still save and invest but if I have my home and basic expenses covered, I feel rich. When I was relocated to another country for four years, I sold my home and even though the housing was supplied, I felt exposed. Turn out I was as the market crashed, I got laid off and there I was stuck in a foreign country with no job and no home. It all worked out, but once I had a home again I felt secure. And the bonus was the house did ok as an investment.

[@robertmarcum3917]

While I totally agree with your 2nd point of living in a house vs the S&P 500, I have always looked at my mortage payment as paying rent. Housing was going to cost me one way or thte other. Forgoing the discussion on appreciating asset, and experiencing the 1980 interrest rate of +/- 18% I bought my first house for 25K with a $200 down VA laon, making mortage payments (i.e. rent) in the following years I now have a $600k home that is paid for and am debt free in my retirement. Compare that to stock invetment vs home investment!

[@Riggsnic_co]

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?

[@kevinmarten]

"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

[@Jamessmith-12]

Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.

[@JacquelinePerrira]

this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@Jamessmith-12]

'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@JacquelinePerrira]

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.

[@ex-muslim-Zafar-Sahil-Adam]

Question: if Real Estate makes so much money, then who makes the most money? Builders or Brokers or Home Buyers? That should settle the Hone vs Stocks debate.

[@U012behappy]

Country context is also important here. What would do if you had the option of buying a home in Canada ?

[@broncofan311]

Im under the belief that owning a home is more of a lifestyle choice than an investment nowadays. If anything it's a hedge against future housing costs. Its only an investment if you either cashflow by making it a rental property or you downsize your home in the future and your primary residence appreciated (hopefully more than s&p 500)

[@shwetapejathaya7207]

I purchased two properties in 2006-2009 sold both homes in 2019 at a 20% loss. Had to sell as we moved out of town. Couldn’t find a renter with a decent credit score to be able to rent. First house was a new built and second one was an investment property.

[@yikemikehappa2463]

How come you sold at loss after more than 10 years. Didn’t they appreciated in value in the meantime?

[@sixfive8840]

Buying a house is not an investment.

[@philliproberts7294]

No it's not but nobody can kick you out or put the rent up too high that I can't pay then have to join the living in cars poor people or tents that's how it is in Australia

[@Jasonthraen]

It can be and it can’t be.

[@MikeBarbarossa]

Investing in a home is an exhausting process, while investing in the S &P is a click of the mouse

[@tarikviaer-mcclymont5762]

Or phone

[@choco.es.unlimited]

The hidden costs of maintenance, insurance and the illegal property taxes will kill your gains. Mortgage you will pay your house 3 times. Plus property taxes you'll pay 1 or 2 times the cost of the house. Owning in the US is a scam unless it's dirt cheap

[@Daniel-ld3zi]

I invested in a rental property. I like it better getting direct cash from renters, and I know I'm paying off capital in the house each year. It's not a get rich quick, but I'm sure it'll help greatly in retirement when it's all paid off.

[@Dreamhomedreambig]

After being an accidental landlord and two rentals (a townhome and SF) I am done buying real estate. Dealing with professional squatters is a nightmare, tenant laws are ridiculous it can make landlords bankrupt. currently dealing with one since past 8 months and no progress.

[@nirui467]

Sounds stressful 😢

[@racerx6]

My S&P 500 fund went up 2.5% today. My house cost me about $620 in repair/maintenance work today. Winner S&P 500. As a matter of fact, my S&P fund is up over $200k this year....not my house. But I also just paid my insurance bill and property taxes. Go with S&P.

[@johnclifford544]

I have a similar experience. But remember, you can't live in your stock portfolio. The house is more than just an investment.

[@livingunashamed4869]

Exactly!

[@JIMDAVIS-z2h]

And the mutual fund company won’t call you and say “we need a new roof “ !

[@Bigboss-xe6lm]

Sure. But having a house/home FIRST is key to success. THEN go all in on the index funds as much as you please.

[@racerx6]

@@Bigboss-xe6lm I understand what you are saying, and I do own my home. (I'm old!!) But, I have always looked at my house as an expense. My index funds also pay dividends quarterly or yearly, so I actually see an income from them.

[@aashishchopra8128]

No brainer. Even if the market does bad, it doesn’t truly cost you anything just on paper. Homes are always taking money from you.

[@FreelanceOptionsDayTrader]

A house usually doubles in value every 10 years S&P 500 usually doubles in value every 10 years If buying a house with a mortgage a person has to make payments every month on exact same day every month and houses cant always be sold quickly during a recession etc But a S&P 500 position can be liquidated instantly Trading Options etc Options have an expiry date usually a month long option which can expire worthless but can be very profitable but because the option expires every month a person has closing position costs 12 times a year whereas buying the S+P 500 or gold etc people can just buy the stock and stay in the position for decades and forget about and just reinvest the dividends without accruing any closing position costs if position not closed Trading options is very risky as approx 90% of Day Traders lose money and many lose everything

[@shric_]

Non margin (traditional principal and interest) loans are possible for investing in the stock market

[@adyp487]

You're a good person and a smart man. I love the fact that you use common sense.

[@checkforme234]

I sold an apartment in Rochester and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?

[@johnlennon232]

While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.

[@williamyejun8508]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My Fiduciary-counsellor helped me realign my portfolio to my risk tolerance and it boomed overtime.

[@chris-pj7rk]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help

[@williamyejun8508]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Amy Desire Irish” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@chris-pj7rk]

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.

[@ЕленаФирсова-ц6м]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family...

[@YinusaSaheed]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@ЕленаФирсова-ц6м]

@@YinusaSaheed Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* ...

[@YinusaSaheed]

@@ЕленаФирсова-ц6м Oh please I’d love that. Thanks!

[@ЕленаФирсова-ц6м]

*MARGARET MOLLI ALVEY*

[@ЕленаФирсова-ц6м]

Lookup with her name on the webpage.

[@BroxsonDeighan]

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 Miller for helping me achieve this

[@kyleevanston]

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

[@GrozaGroza-ko7fn]

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.

[@GertonTootle]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@HighlightsSerieATIM]

I'm new at this, please how can I reach her?

[@anatolyivan]

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

[@MP-yq3ge]

Times are very different. In your era, you were able to buy a home. For most younger millennials and Gen Z cannot afford to get into a home. We are priced out of the market. Real-estate has inflated way more than wages have gone up.

[@helloitsmehb]

I’m 56 and a home owner and agree with you 💯 Fwiw. Home ownership is overrated. Rent as cheap as possible and invest what you save by not dealing with taxes, upkeep and the countless hours spent on it. Seriously. You’re in a better spot than you think. Just live frugally

[@Moharaheem99]

Can I invest in a big company in s p 500 like Microsoft or tesla instead of sp 500.?

[@lostquartermaster52]

S/P is all the top companies rolled into one. Single companies have more risk, for example, Bud Light.

[@Bardo123-r3e]

Consider this type of approach SPY 40%, SCHD 40%, XLV10%, XLK10% . Do your own due diligence with back testing on "portfolio visualizer" (google this).

[@viewerone]

Given rent inflation it seems a no brainer to buy unless you maybe expect to move often for work, etc.

[@deanodebo]

The actual debate is rent or buy. Everyone needs a home. Regarding investing, every wealthy person I’m aware of owns real estate. I personally think every balanced portfolio has real estate. I’m surprised anyone disagrees

[@RexOneWealth]

Hi Azul - Thanks for your input. Very helpful!!! Do you have a license series 6 or 7?

[@miken7629]

Are housing and stocks really rising or is the dollar being devalued. It always cost more dollars to buy either but I see that the dollar is constantly being devalued, not that prices are rising. It is all a matter of perspective. Expect dollars to be worth half as much every 12 years. Why would anyone want to own an asset that loses half it's value every 12 years. Invest in everything and get out of dollars.

[@tylercampbell6365]

Do both..

[@DaveBee120]

It doesn't make sense to tell people that it's ok to take leverage (mortgage) on a rental property but it's not ok to do that in the stock market. Then you talk about a personal hone you live in, that is not an investment. You generally don't live in a rental property. You should compare investments and remove or include leverage in both.

[@Lion_McLionhead]

Real estate usually requires a lot more skill than an index fund to make money in. It can't be dollar cost averaged or diversified for most of us. It's more of a way to stabilize housing costs than to get rich.

[@Growing-Our-Retirement]

Good point, renting while retired is a big gamble. Rents are sure to go up.

[@JohnCash001]

It doesn't stabilize housing costs if the property taxes keep going up, insurance or in the case of a condo, a special assessment.. renting it is a pain

[@irenmolnar221]

Bought a house for 240k 2014 with $10000 down pay interest 4.25% rent for $2500 today worth $800000 so what is the actual return for the $10k????

[@Discovery123.]

Do both!

[@kyungshim6483]

yep. That's one way to diversify.

[@RicksCafeAmericana]

Agree!

[@danijelvidlanovic4184]

I invest in s&p 500 evrey month and we have buy a flat/apartment also 2019 , i think the best way is a mix stocks and realestate if you can afford , but in my opinion if the s&p 500 dont preform nothing Will preform , sorry for my English 😊

[@StromLxrd6]

buying a home seems so complicated. who created such a difficult system with so many loop holes

[@Poleeze1]

Nothing wrong with options if you don’t use margins. I’ve been doing it for years. If it goes against you, you simply roll the call/put. But I did enjoy the video and agree with most of your points.

[@reedsallnatural]

Both, never put all your eggs in one basket. Pay the house off and you can use it later as an investment property. It the S&P drops it will be your back up.

[@xlerb2286]

Where I live in the Midwest the stock market has appreciated much more than home prices. We've had our house 22 years. It's gone from $200K to I suppose around $400-500K. Great if you're buying because homes are still affordable here. But a doubling of asset value in 20 years isn't so hot compared to what my money in stock based investments has done. Also I've not had to install a new roof or furnace in my S&P 500 index fund ;)

[@Bigboss-xe6lm]

Right. The problem today is people see homes as an asset, its not. It never was. Its a HOME. You need one. THEN you go buy whatever you like to invest in. A home is an expense for most people. Dont treat it like its an asset. Dont try to flip something with borrowed money. Be safe. THEN you can risk (dont go optiontrading!) after you have a home. People are to desperate today to try to get rich quick. ITS NOT POSSIBLE for most people. Take the safe route unless you have a business youd do good in. Either way a home is still neeeded.

[@xlerb2286]

@@Bigboss-xe6lm Agreed. The S&P, etc. have made me quite comfortable financially over the time I've been investing. The house has made me comfortable too, but in a different way, especially on cold winter days ;)

[@Bigboss-xe6lm]

@@xlerb2286 Exactly! Different tools for comfort and safety. I like that

[@bunbohue369]

In my case I would pick spy sell covered calls and live overseas.

[@robertmiller9705]

Imagine investing in Bitcoin earlier, you could have been a multi million dollar presently. I bought a new house and a car here in the states also paid my mortgage in few weeks of investing in Bitcoin.

[@Mk-cl9rg]

what is the best buy house with full cash, then take a loan on that property, and then invest in s&p 500 it’s the best.

[@timothymeyers2137]

This is not a good idea. Better to take a mortgage, and use the rest of your money to invest in s&p 500. Mortgage rates are lower than home equity loans, and they have tax advantages. And there's less risk involved since in your method both your home and the loan are tied to the value of the home.

That’s the same as buying with mortgage but worse… not very bright idea

[@locpham-ie6ly]

I have a question should I buy VOO ( Vanguard S&P 500 ETF ? )

[@Shadowwind4]

Yes buy voo and nothing else

[@kito1san]

Depends which area you are buy a home.

[@lokeshk4642]

You can buy investment real estate with 20% down; you cannot buy stocks with 20% down; you need to put 100% of the money . Lots of tax breaks with real estate . You can sell real estate within 5-7 years for a hefty profit and then re-invest. If you buy 2-4 unit, you can enjoy a monthly income and then sell it after few years. So a mix of both are good.

[@ayodejiabe4180]

More than anything else I am loving the golf course in the background there. This is the type of retirement I look forward to

[@dutch0770]

The housing market is on a steady decline for the last year. It is 40% cheaper to rent right now. Even if you can afford a down-payment

[@busyinyahawahwayahawashi5369]

Bitcoin

[@Casey-summer]

80% stocks 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large $5m stock/bond portfolio for substantial gains at minimum risk of inflation.

[@mellon-wrigley3]

I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.

[@sloanmarriott5]

Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.

[@Buffet-walton22]

@@sloanmarriott5 That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@sloanmarriott5]

My CFA Izella Annette Anderson a renowned figure in her line of work. I recommend researching her credentials further.

[@louie-rose7]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@NightWolfe95]

Why not do both?

[@onestep4me]

I've never had to replace the roof or furnace in my s&p 500 fund. I've also not had to pay yearly property taxes and insurance either.

[@Growing-Our-Retirement]

And you haven’t had your tenants payoff your mortgage! Everyone ought to have one small rental property as a diversification. Just keep your first house or condo and rent it out.

[@HaticeValerie]

I sold a flat in Brooklyn for around $250,000. I was dissatisfied when I received only $171 in interest from a standard savings account. Following some investigation, I was encouraged to invest in stocks. Are these stocks a smart place to start?

[@readwell123]

I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $200K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.

[@Siuliangcsc]

true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@antoinesanchez8755]

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@Siuliangcsc]

“ Elizabeth Colleen Nurre is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.

[@DũngLan-s5l]

She seems to be well-educated and well-read. I performed an online search for her name and discovered her webpage; thank you for sharing.

[@bjbegui]

Even if the market didn't pay you as much it's still worth not having the headache of renters

[@TinaMyles]

Now that the election is over, what's next? DID you miss out on the bull run? Bitcoin created a new ATH now and all I can say is thank you to this channel and Julianne Iwersen Niemann, for keeping me informed.

[@MagdaleneM-f3q]

you are lucky, One of the most brillian investing advice i have ever gotten on youtube came from watching an interview with Julianne Iwersen Niemann. Indeed, A solid investment strategy is like a well-planted tree-it can withstand storms and still grow strong

[@PajinakStanovska]

The thing is people often doubt the prospects of financial advisors like Julianne Iwersen Niemann in business/markets today.

[@PajinakStanovska]

Well it gives me more time to get ahead while they stew in their own pity and doubts as they childishly complain about those spreading the word

[@TheOG_42]

If you don’t own a house you would have to rent. If we are truly comparing investments you have to add rent to the equation.

[@ianrobinson4200]

I would be ahead. If I sold my house and was renting a house the same value I would have several hundred dollars a week extra with what that capital would return on the stock market. What owning a house gives is peace of mind though, that you won't be evicted

[@rayo1371]

Just started video so see if we agree. No Idea really but I’m telling my son to NOT buy house now as it is too high and drop will come and take much longer to come out of than a stock market crash …invest in index and save and buy real estate when it is on the floor .. usually when most people are not buying. Be patient and save. Also debt on house cuts in quality of life and mobility. Rent and let landlords ( like me ) deal with high costs of repairs an headaches.

[@irenmolnar221]

A good things about real estate you can buy it with mortgage?/ Can you buy SP 500 with loan????

[@blasterzm]

Of course you can, lol.

[@enigmathegrayman2953]

Shyt, the S&P 500 is my only option, I can’t afford no darn house….

[@MoneyandLifeTV]

Well if you have to throw $2,000 + away every month on rent you probably don't have money to invest in either....realistically. If you can live with parents or family while saving up for a home that is ideal.

[@GregoryVincent-d9u]

Even if a property investment only goes up with inflation, and a stock market investment increases by inflation plus 3-7% per annum ... if you rent out your property, you will get 3-7% return in rental payments; although there are some overheads. But a rental property is better than that, because I would argue its value does not just go up with inflation. In my block of flats, in London, UK, a 1-bedroom flat in the late 1960s was purchased for £1800. Today, it would be worth £350,000 to £400,000. The value has increased 200-fold. The retail price index has only increased about 25-fold in that time. (If you owned this property and rented it out, then - of course - you would have the rent as well.) But it can be even better than that. When I started to rent out a studio flat in 1996, I received about 13% of the value I had paid for it in 1987. There were hefty service charges, though.

[@mirchimome]

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

[@BroxsonDeighan]

I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

[@stephaniebeddis8069]

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

[@ZahirFriedman]

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.

[@masterotrunks]

I'm new at this, please how can I reach her?

[@BradlyLane]

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

[@staroftheshow0]

I would purchase a house if you have a substantial amount of money in investments and stocks and you have enough money for a 20% down payment. In order to be extremely wealthy you need to have investments not just buy real estate and live paycheck the paycheck. If all I had was a 20% down payment and no investments, I would take the money I would’ve used for the house and invested it to grow it and eventually have enough money invested and then wait until I have an extra 20% after my investments are making me income on the side before I buy a house. A lot of people don’t make enough money to do this and that’s why they stay in their current financial situation. In that scenario, they need to find a way to make a substantially larger amount of income or live below their means on what they are making.

[@user-hy3hf1mx9d]

Can you suggest me 3 mutual funds which gave 25 percent CAGR for last 10 years with moderate expense rate

[@Kats0unam1]

I have 1500 to invest a month and im unsure if I should invest in individual stocks. Part of it I want to invest in the SP500. My initial idea is to invest 1000 in the SP500, 250 on the nasdaq 100 and 250 on FUSD (Fidelity dividends) For this amount, whats the most benefitial to invest in the long term (ETFS vs Individual stocks) ?

[@franklyfrank123]

Another angle is don’t hoard houses. Give younger people some opportunities to afford a place to live in. Stocks you can buy as many you want.

[@ancientwisdom-ty4nb]

Wisdom here but I bought my car on d stock market and u looking at it wrong. Stock is purchasing into a company and options are not as risky as b4 with stop loss etc. Call options low risk. Put options for shares u already willing to buy if things get bad

[@jw999]

For average people, it's logical to save up for a house, and invest the rest in SPY. Keep it simple.

[@541-RAIDER]

BUY BOTH!

[@exhausted.dad.here-]

I have invested and done well with both assets over time. Although real estate can be a major pain in the butt it has also brought me an unimaginable amount of enjoyment. You can’t enjoy a visit to your stock portfolio.

[@Norrieey]

I wasn't financially free until my 40’s and I’m still in my 40’s, bought my third 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 of your age, invest and change your future! Investing in the financial markets is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this.

[@GregMerchant]

I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in.I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.

[@irenmolnar221]

Depend what is your need.

[@davedeboy5726]

i would never ever invest into the sp500 when it goes up mostly because of 4-7 stocks. If you pick just 2 of these correctly you can easily get 2000% more than the sp500.

[@1SuperD1]

As an amateur, it seems that the S&P is the way to go. I can invest every month and end up with a large amount of money. I can’t jump into getting a house that easy and I can’t afford to pay taxes, remodel, or do maintenance.

[@Cz-De-Lifestyle]

If you got about over 100k lying around. Why not do both? Thats what I did ...moved away from North America to Eastern Europe , bought a home paid in full cash , condos then invest the rest on indices,fx, commodities..Houses are good for holding assets and long term plan to control your living cost, which has grown unsustainably last 10 years, if you havent bought one in that period, it will cut into your savings at some point. Stock market are better for passive earnings ans stable income .Both are pretty good for diversification.

[@epicnoodles3633]

I invest in real estate, stocks, and Bitcoin. They all have positive returns. For over 10 years, Bitcoin outperformed NasDaq, NasDaq outperformed S$P, S&P outperformed real estate. Real estate also has a lot of recurring overhead (property tax, insurance, HOA, bank interest, maintenance)