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  1. #7501
    Join Date
    Mar 2018
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    8,341
    Problem with RE is you can live on it all your life and then some outsider comes along, shoves you off your land and takes it.

    Been known to happen.

  2. #7502
    Join Date
    Dec 2017
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    2,457
    Whoops wrong one. Trying to find the calculator
    Last edited by MRSpock; 05-26-2021 at 02:07 PM.

  3. #7503
    Join Date
    May 2010
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    13,208
    Quote Originally Posted by MRSpock View Post
    Just to be clear an index fund is where you're pooling your money with other investors to create the same effect as investing into a market.

    You aren't just rolling the dice on a random s&p stock.
    Yes and the other aspect is making sure you are in it for the long haul.

    The point being made is that a house/property can also be a good investment. It isn't an either or and it is possible to end up getting a better return and many investors have issues sticking with one long term plan like that through ups and downs in short term. It is going to be different for everyone.

    As I noted with Valade you can potentially rent out a room or two and end up with a better overall investment if you reinvest that into the same type of funds. There are obviously other advantages to home ownership too outside of this. A House can be a very good investment just like stocks can and it will often depend on what the individual is looking for/prefers. It doesn't have to be an either or.

  4. #7504
    Join Date
    Dec 2017
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    2,457
    Quote Originally Posted by mngopher35 View Post
    Yes and the other aspect is making sure you are in it for the long haul.

    The point being made is that a house/property can also be a good investment. It isn't an either or and it is possible to end up getting a better return and many investors have issues sticking with one long term plan like that through ups and downs in short term. It is going to be different for everyone.

    As I noted with Valade you can potentially rent out a room or two and end up with a better overall investment if you reinvest that into the same type of funds. There are obviously other advantages to home ownership too outside of this. A House can be a very good investment just like stocks can and it will often depend on what the individual is looking for/prefers. It doesn't have to be an either or.
    And you can make more risky investments with much higher payouts.

    A house is at best an ok investment.

    Again I suggest renting. Especially in this market.

  5. #7505
    Join Date
    May 2020
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    5,533
    Quote Originally Posted by valade16 View Post
    You’re saying the average person who invested in stocks in 2014 has had their money double?
    My retirement account (stocks and bonds) has basically doubled in that time frame.
    My Ignore List: bklynny67, crovash, nastynice, natepro, OhSoSlick, spliff(TONE), zmaster52

  6. #7506
    Join Date
    May 2020
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    5,533
    Quote Originally Posted by mngopher35 View Post
    No problem. As I noted it does depend on where you live and there are certainly areas it won't be the case.

    I think the key thing to realize is that any of these options have risk/variability and it will come down to each persons specific situation more often than not.
    Oh I agree there too.

    Like I said, you got someone that bought a home 7-10 years ago they are up a good chunk of change right now. But you go back another 10 years and yeah, not so much. Again at least in my area of Chicagoland.
    My Ignore List: bklynny67, crovash, nastynice, natepro, OhSoSlick, spliff(TONE), zmaster52

  7. #7507
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    May 2010
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    Quote Originally Posted by MRSpock View Post
    And you can make more risky investments with much higher payouts.

    A house is at best an ok investment.

    Again I suggest renting. Especially in this market.
    Or lose all your money haha that is why the actual #'s on returns for investors isn't nearly the same as the markets average you have been noting.

    I just outlined a way to invest in a house and rent out while ending up with great return on investment and there are many many different markets in this country.

  8. #7508
    Join Date
    Dec 2017
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    2,457
    You are adding in all this baggage. I'm simply looking at numbers ran by economists. No coulda woulda shoulda. Brass tax.

    Find me a financial advisor who tells you that buying a house is a good investment and I'll show you a liar.

    Americans just can't get things out of there head like this.

    Buying a house is investing a ton of money into one slow moving stock.

  9. #7509
    Join Date
    Dec 2017
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    Quote Originally Posted by mngopher35 View Post
    Or lose all your money haha that is why the actual #'s on returns for investors isn't nearly the same as the markets average you have been noting.

    I just outlined a way to invest in a house and rent out while ending up with great return on investment and there are many many different markets in this country.
    The average return on investment fir home buyers from 1890 to 1990 is..



    Guess how much?

  10. #7510
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    Dec 2017
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    It's 0.

    While the average for s&p since it's start is about 10%

    Believe it or not home buyers make bad decisions too and are forced to sell at terrible times.

    Real estate isn't as safe as you're trying to pretend.

  11. #7511
    Join Date
    Jan 2011
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    2,244
    Quote Originally Posted by MRSpock View Post
    The average return on investment fir home buyers from 1890 to 1990 is..



    Guess how much?
    0% but I am not sure how many of us owned homes in that time frame. I have 6 years of life in that period of time.

  12. #7512
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    May 2010
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    13,208
    Quote Originally Posted by MRSpock View Post
    You are adding in all this baggage. I'm simply looking at numbers ran by economists. No coulda woulda shoulda. Brass tax.

    Find me a financial advisor who tells you that buying a house is a good investment and I'll show you a liar.

    Americans just can't get things out of there head like this.

    Buying a house is investing a ton of money into one slow moving stock.
    You haven't shared any numbers on actual investors, only I have. I also shared numbers for housing to Brett to correct him.

    Buying a house is a place to live, security, an opportunity to make extra $ renting as well though. You are focused on only one angle and I have shared how one simple adjustment like renting out a room creates a new avenue for return that you haven't considered at all in your points/discussion.

  13. #7513
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    May 2020
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    Honest question: How is renting better than buying as it relates to a home?
    My Ignore List: bklynny67, crovash, nastynice, natepro, OhSoSlick, spliff(TONE), zmaster52

  14. #7514
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    Dec 2017
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    Quote Originally Posted by Nunuu View Post
    0% but I am not sure how many of us owned homes in that time frame. I have 6 years of life in that period of time.
    Well he's trying to present home buying as some guarantee. And it's not.

    Just like in the stick market you got people making too big of investments and having to sell at bad times. Resulting in huge losses.

    No matter where you invest if you don't have enough to get through a bust period you will likely lose a ton.

  15. #7515
    Join Date
    May 2010
    Posts
    13,208
    Quote Originally Posted by MRSpock View Post
    It's 0.

    While the average for s&p since it's start is about 10%

    Believe it or not home buyers make bad decisions too and are forced to sell at terrible times.

    Real estate isn't as safe as you're trying to pretend.
    This has nothing to do with today.

    Believe it or not investors make bad decisions too and are forced to sell at terrible times. Investing isn't as safe as you're trying to pretend.

    I am the only one that is willing to acknowledge all of it has risk lol. I have said from the start mixing/diversifying is best for this reason.

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