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  1. #7486
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    Quote Originally Posted by MRSpock View Post
    Which still doesn't reach the gains in the S&P.

    Which if you're younger you'll probably invest in something more volatile.
    You want to know what else doesn't reach the gains in the S&P? A large majority of investors.

    https://www.forbes.com/sites/advisor...h=675eaae6111a

    https://www.fool.com/investing/gener...and-how-y.aspx

    Especially as an individual so just because the S&P does _____ is far from most individual investors seeing anything like that type of return.

  2. #7487
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    Quote Originally Posted by valade16 View Post
    My house has increased in value by 53% since I bought it in 2014. I can’t imagine stocks having those kind of returns in 7 years.
    In that time the s&p has doubled

  3. #7488
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    Quote Originally Posted by mngopher35 View Post
    You want to know what else doesn't reach the gains in the S&P? A large majority of investors.

    https://www.forbes.com/sites/advisor...h=675eaae6111a

    https://www.fool.com/investing/gener...and-how-y.aspx

    Especially as an individual so just because the S&P does _____ is far from most individual investors seeing anything like that type of return.
    Ok? Whats your point?

    People are bad at investing. I agree.

    People try to play day trader. People try to chase hot stocks. People try to recoup losses in bad stocks.

    You don't have to do this **** yourself. There are great finance advisors that will manage your money as riskily as you choose.

    I don't see how either of those links proves me wrong.

    And the s&p is as safe as it gets. It's a low risk low reward market. It's not exactly going all in one doge coin

    And I can just as easily point to people who refinance their homes to buy jet skis before the 2009 crash. Only to lose everything a few years later. Buying a house does not prevent dumb decisions.
    Last edited by MRSpock; 05-26-2021 at 01:22 PM.

  4. #7489
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    Quote Originally Posted by MRSpock View Post
    In that time the s&p has doubled
    You’re saying the average person who invested in stocks in 2014 has had their money double?

  5. #7490
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    Quote Originally Posted by MRSpock View Post
    Ok? Whats your point?

    People are bad at investing. I agree.

    People try to play day trader. People try to chase hot stocks. People try to recoup losses in bad stocks.

    You don't have to do this **** yourself. There are great finance advisors that will manage your money as riskily as you choose.

    I don't see how either of those links proves me wrong
    My point is it is much riskier and the returns vary greatly, just because the overall market or S&P have a specific average does not mean that will translate to normal investors. You came in laughing off other options and said owning a house is a **** investment or shouldn't be looked at as one yet it does better than the average investors do lol.

  6. #7491
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    Quote Originally Posted by valade16 View Post
    You’re saying the average person who invested in stocks in 2014 has had their money double?
    No I'm saying if you took that money and gave it to an investment advisor like vanguard and asked for low risk investments you'd have made way more of a return.

  7. #7492
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    Quote Originally Posted by MRSpock View Post
    No I'm saying if you took that money and gave it to an investment advisor like vanguard and asked for low risk investments you'd have made way more of a return.
    You’d have made a more than 53% return on your investment? That seems like fairly high returns for 7 years.

  8. #7493
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    Quote Originally Posted by mngopher35 View Post
    https://www.visualcapitalist.com/20-...0two%20decades.

    At the turn of the century, the average U.S. home value was $126,000. Today, that figure is at a record high $259,000 – a 106% increase in just two decades.

    https://dqydj.com/historical-home-prices/
    This one shows median prices as well and to start 00 it was at $131,674.47 while 12/1/20 was $300,986.69
    Even adjusting for inflation it was still much higher as well.
    Thanks. I am wrong. I should have said in my neighborhoods that I have lived in which includes one place that was rated as the best place in America to live the prices have been stagnant the last 20 years. If you bought low 7 or so years ago, you made money sure, however anyone that has a home for 20 years has not made any money and could easily be upside down. Its why the housing market was so rough for so long. Yes big losses have been made mostly back but for many not all the way and certainly no one making money sadly.
    My Ignore List: bklynny67, nastynice, OhSoSlick, spliff(TONE), zmaster52

  9. #7494
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    Quote Originally Posted by valade16 View Post
    You’d have made a more than 53% return on your investment? That seems like fairly high returns for 7 years.
    Absolutely.

    I mean when you're investing into an index fund your money should be increasing at the very least similarly to that market.

    So yes. Easily. The S&p has doubled. So should your investment in that time frame.

  10. #7495
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    Quote Originally Posted by valade16 View Post
    You’d have made a more than 53% return on your investment? That seems like fairly high returns for 7 years.
    I mean not only that but as I noted people like myself may also rent it out for further $. After 7 years of investing $700 of rent each month into similar stocks you have invested 58k and it will be growing just like Spock mentioned.

    Using an investment calculator and using that 7 years of extra rent at 700 per month with say the 7% Spock keeps noting is $75599. I am not sure your situation but if my house also gains 53% value over the 7 years that is a pretty stellar investment. If I just used that 40k downpayment to invest and got the same 7% return on that $ it is 65,199.76. My years of collecting rent and investing it are projected to outproduced that return alone.

  11. #7496
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    You're not including money towards repairs. Upkeep. Renovations as your house will not gain value at the same rate without this.

    Other expenses that come with buying a house. Not just the dollar difference between rent and payment.

    Oh and your initial down payment going toward investing as well.

  12. #7497
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    Quote Originally Posted by brett05 View Post
    Thanks. I am wrong. I should have said in my neighborhoods that I have lived in which includes one place that was rated as the best place in America to live the prices have been stagnant the last 20 years. If you bought low 7 or so years ago, you made money sure, however anyone that has a home for 20 years has not made any money and could easily be upside down. Its why the housing market was so rough for so long. Yes big losses have been made mostly back but for many not all the way and certainly no one making money sadly.
    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.

  13. #7498
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    This is not exactly highly debated investment knowledge. By all means do your own research.

    And if you don't have any wife and kids.... sell now.... wait for a market drop and reinvest.... rent in the meamtime.

  14. #7499
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    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.

  15. #7500
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    Quote Originally Posted by brett05 View Post
    I love the last line of sarcasm
    Glad yo u liked it.

    I'm here for you.

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