S&P 500 Index Fund Investing or should I invest in real estate instead? This is th eultimate answer to make you the most money …
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Today's News for Tomorrow's Brew
S&P 500 Index Fund Investing or should I invest in real estate instead? This is th eultimate answer to make you the most money …
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I need to know how can i invest 100$ per month in stock
Thanks!
House allows for leverage
Why not do both? And you don’t need financial adviser, you got ChatGPT now
What calculator is he using at 5:42?
What people always neglect to take into account when analyzing the merits of investing in a home is even if you don’t buy a house, you’re still going to need to pay every month to live somewhere. In top of that the costs of renting are not fixed as opposed to buying a whole where a large portion of your payment is fixed until paid off. Whats the opportunity cost of paying an ever increasing rent vs owning a home and having the ability to put what would be rent price increases into an investment account and into the S&P 500. On top of that you get a huge tax exclusion on the sale of your primary residence. To the tune of $250k per person. Thats huge!
Stop telling people it makes more sense to rent that to buy long term.
Why do you have a Portuguese rooster on the table?
Building a multigenerational home
Owning a property is like a forced savings plan.
At 2.75 interest rate, my mortgage payment is low and allows me to invest
I agree with most of it. However, in France for instance, several advantages come with acquiring your house : mortgages is fixed rate and was around 1% and will not move during your whole mortgage duration (eg: 25 years) so money is cheap… if one of your co lender dies then her part of the mortgage is erased , tax free. Same goes if you die, your kids will have benefit from a debt free asset as well so basically, we also use the main home acquisition as an efficient life insurance mixed with investment call due to the fact that money is cheap. Of course I am talking for my case where I live in Paris area and real estate tend to go upward anyway for good quality assets
I think nothing matters, and just do your best.
actively managed funds perform better and from what I understand it outweighs the cost
For real estate, you have to factor in rental income
At the end of the day you shouldn’t go all in on 1 basket
Did granny pay $100k cash for the house or did she have a mortgage? It's unlikely she had the 100k up front to pay for the house. So she wouldn't be able to invest that in one shot in s&p. If she invested 100k div 50 it would be 2000 per year. The numbers would be very different.
The thing is that you can borrow way more money with lower rate if you buy a house, you can't borrow that much with stocks.
I missed the part where you actually ran the numbers and not just speculation
As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns
I still believe buying is better, but it all depends on personal preference. We purchased our home in 2018 for $487K (5 bed, 5 bath, 6700 sq feet in NC). We put down 100K and then threw every extra dollar available and paid it off in 5 years last year. Our house is now worth 975K. The hot water heater went out a year after purchasing it, but other than that not many issues with the house. We decided to do minor upgrades. Even with no mortgage we pay $814 a month for taxes and insurance. It still beats paying $3500 for rent somewhere near us. We now invest 6K a month and we own 2 rental properties as well. We could afford to be renters, but buying makes more sense to us.
Well you still have to live somewhere.
I too got a house in 2020 150k 3.5% down on a 30y, refinanced a year later to a 15y (only cost a few thousand in closing) I pay 1100 a month. My house is now worth 300k and rentals in my area for the same place are over 2k a month (if you are even able to get a place) and going up 7% per year due to laws in place. That means by the time I pay off my place, rent would be over 4k a month. To top it all off, they last place I rented had a broken dishwasher for all four years, landlord didn't fix nothing… I had to paint killz over the black mold myself etc.
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
Don't forget the property taxes, appliance and HVAC repairs, sewage and sump repair, roofing & siding maintenance, and lawn care. And the bigger the home, the more it will own you, not the other way around.
how do you invest? do you buy a land? or house? or only stock market?
renting a house with Airbnb or buying a stock market or a home or field? which do you think is the best investment?
I have both real estate and stock equities 😂😂😂 Lets go baby 🚀🚀🚀.
Bro, putting $100,000 in the calculator is misleading because Grandma didn't put $100,000 to buy the house in the video. She did it with $20,000 or less than that.
They keep saying ‘Granny bought a home for $100k and sold it for $1m’ and 10x her investment. But then also saying she’s paying interest costs. How? She didn’t need to borrow in your own scenario!
Maybe Granny paid $10k and borrowed $90k then sold for $1m, and 100x her investment.
You don’t pay interest on an unlevered investment.
Sharemarket propaganda will try convince you to buy public market securities, it’s a hoax.
The richest people in the world make their money in real estate or private businesses- fact.
The way I see it is why buy a house in your 30s and then pay it of in 25 years when you could invest in a index putting in 12k a year and have 1.8 mill before your 50th birthday that can buy you a house outright anywhere in the UK
I’ve been a homeowner for seven years in this time span. My washer broke my refrigerator broke my roof needed to get replaced. My AC unit broke, my gutters broke, had paint, fix interior cosmetics, I haven’t ran the numbers but I’ve spent a lot,these guys are right on point