Equity Millionaire VS Real Estate Millionaire
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- čas přidán 28. 05. 2024
- What should you invest in - Equity or Real Estate? Expert investors Sanjay Kathuria, Ravi Handa, Jinesh Kothari & Sagar Saroi take you through their investment journeys and dive deep into the benefits, risks & strategies of investing on either side. Here's a conversation you definitely do not want to miss.
Wint Wealth: fd.wintwealth.com
Ravi Handa: / ravihanda
Sanjay Kathuria: / sanjaykathuria
Sagar Saroi: / sagarsaroi
Is real estate difficult to invest in? (0:00)
Disadvantages of Equity vs Real Estate (2:42)
Advantages of Equity vs Real Estate (5:08)
Returns (8:33)
Picking the right assets (10:51)
SEGMENT: Tweet Reactions (13:22)
Would you invest in opposite asset class? (17:35)
Portfolio split (20:15)
Investment goals (21:27)
Advice to investors (24:11) - Zábava
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bring in some rich crypto bros
Guys when is your next video ?
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.
Homes/flats are not the only real estates.
Plots, agri lands, shops, retail space, warehouses are the other options.
In metro - Homes are best, in villages and smaller town - Plots and other are better
@@user-bz4td4nf8n you will have villages and metros right next to those metres with immense potential for growth in all terms.
Warehouses is a good concept and catching up.
@@user-bz4td4nf8n warehouse is better
So true.... every body is focusing on flats...nobody is touching lands.and surprisingly lands never depreciate
Look at both the groupls, Real Estate Investors are even fitter 😄🤣😏
I will take this as a feedback and get to working on my health
Good observation 😊
😂
Same observation 😂
real estate can be very stressful
I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 80k in stocks and made about $246k, but guess what? I put it all back and traded again and now I am rounding up close to a millions .
Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.
I'm favoured financially, Thank you Jesus $32,000 weekly profit regardless of how bad it gets on the economy
How
..? Am a newbie in crypto investment, please can you guide me through on how you made profit?
She's a licensed broker here in the states
YES!!! That's exactly her name (PATRICIA VESELY) so many people have recommended highly about her and am just starting with her from Brisbane Australia 🇦🇺
Guys in real estate you have to Maintain the Property which is Big Headache. Invest in Equity and Stay in any Part of the World.
Yaaay my Boi
Both groups are right in their own way. The smart thing to do is have some investments in both sectors. Average working class people cannot have in-depth knowledge of any sector neither the time to gain that knowledge, to be fully invested in one or the other.
A real estate investment will take a huge chunk of the portfolio. If a person has bought a property, it's hard for him/her to develop an equity portfolio as most of their income will go to service the debt taken to buy the property. I'm talking of salaried employees who have to build their portfolio from scratch.
I am invested in both
Thanks
US Equity and Real Estate Investor here. Real Estate you need money/ good credit, a higher level of knowledge and experience. You have buyers fees, and fees when you sell. You need to yearly keep track of appreciation, ROI and expenses. US property insurance and taxes increased expenses by 25% past two years. If you have mortgage property insurance is required. Real Estate almost always pushes you into a higher tax bracket. Equity, extremely low or no fees, a basic knowledge. Chosing quality, consistently proven and performing ETFs make you competitive. You choose how much profit to tax for better tax rates.
Agriculture land is the best investment. Everything earned from this is tax free with increasing price. In case any highway project comes then no one can beat this category.
In real estate a flat is the worst option but a row house can be considered as a good option.
Equity needs time and knowledge, Mutual funds are a good way but sip is not a good way. Invest in mutual funds when the market is down at least 5 percent below from all time high
Its been 12 days since iam waiting for your podcast, now you come up with 2 hr video, thank you for the biggest come back, thank you team wint
I think it is clear - the equity investors have gotten a far better return than the real estate ones.
15-17% CAGR is far superior than the 25% and 80% total return the real estate walas have gotten.
Handa ji - 15% for 5 years is 200%
Sanjay Kathuria ji - 16% for 11yrs is 511%
Clear winner
Thanks, we have been in the market for long and hence we created such returns
I recently made further purchases. Saving for a market slump is also a bad idea. There are different perspectives on recessions and depressions; we cannot always expect significant rewards; and taking risks is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making sensible judgments, you will accomplish exceptional outcomes. In just 5 months, my portfolio's raw earnings increased by $608k.
Despite my conviction in your direction, my recent stock purchases, and the fact that I am an AMC shareholder, I have not been able to amass anything. I had been in debt for far too long before the collapse. What are the steps required in investing?
I completely agree, which is why I think it's important to delegate decision-making responsibility to an investment coach. Underperformance is essentially unimaginable given their specialized experience and education, as well as the fact that each of their skills is focused on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable events.
Working with an investment coach for over two years, l've made over $1.5 million.
Samuel Peter Descovich that's whom I work with
That is incredible! If he's this talented and has A-list skills, I'd like to speak with him. Even when I clone transactions using a MAM account, I continue to lose 20% of the time. Where can I locate his contact information?
SAMUEL PETER DESCOVICH
GOOGLE the name
All participants look very Genuine and their plain speaking really helps everyone... Keep it up...
We got a site in 1998 at 25k and now it's worth 75lakh. I don't think equity would have given this much of returns !! I agree now the real estate is sky rocketed and right time to buy equities in growing India. For next 10-15yrs markets will surely double and your investments will surely provide multi fold returns if you invest in good companies who have good governance.
My father bought share of 3m india in 1993
6000rs
Now it's around 20lakhs
Which is roughly equivalent I guess to your case
Did anyone notice that the real estate investors don't talk about CAGR or IRR when talking about their rate of returns whereas equity investors talk about it all the time? That's common with real estate investors I've seen. Direct returns may look awesome but tell about CAGR. 😂
That was the only part I was interested in. And the equity guys didn’t ask them about cagr? Which is weird . I guess it will be in course of 10 years 81% but surely can’t match equity returns cause it might be in 200-300% range
They spoke about CAGR and real estate guys said that it becomes difficult to calculate the exact cagr since its not that straightforward as with equity. Because real estate involves buying and selling and registration charges and property taxes and the rental income as well. So calculating it becomes complicated
@@sruthiramesh4817 Calculations are not complicated in this day and age. As investors, people should know various incomes and expenses associated with their investment, and then calculate XIRR on them. If they can't do that, they should tell the CAGR of point to point increase in the value of the asset and not tell the absolute returns.
This is exactly what I came to comment. And this is the biggest problem I have with ppl who vouch for real estate
If you don’t talk about a CAGR and a benchmark for comparison, then you don’t know how to invest
@@sruthiramesh4817 first, it’s not that complicated. Even an approximate number can help
Second, if you’re serious about making money then you need to measure yourself. You can’t improve what you don’t measure
its pretty farfetched for hodlers only... I leverage on the volatility of the market for significant returns rather than holding and loosing value to the volatility of the market I made my first mill from going diverse, mainly stocks, ETFs, few Cryptocurrencies and bonds. thankful to my now financial advisory Emily Lois Parker. It’s a long term plan for me so I invest and re-invest. building wealth involves developing good investment habit and understanding.
I invest in stable stocks, my rule: if you previously liked the stock, then you should love it at a discounted price.
I looked up Emily Lois Parker on the internet out of curiosity; she has a strong résumé
many individuals miss out on gains due to actually NOT being in the market and waiting for the chance of a crash. Perhaps it's wise to do both partially
found her webpage by looking up her name online.... Her resume is quite outstanding, I'll be writing a mail to her shortly
Real estate guys cleverly speaks about mumbai real estate returns in last 14 years that's like saying equity is best and only share one stock which has been multifold during that period.
You cannot make an extraordinary scenario as an average case that's why even in equity 12-14% returns is considered as average.
Same way if we take other cities example like in Pune where average per sqft was 3300 back in 2010 and today it is close to 9000 which is 8% returns just 1% above inflation.
Why are you just looking at flats?
Plots, agri land, shops, commercial spaces are other real estates.
Flats/homes include design, quality of construction, age of construction. No two humans will like similar design.
Plots, agri lands enjoy that leverage.
@@anandnagpur111 The reason why I specifically talk about flats is because 90% people cannot buy anything other than flats in tier 1 and in some tier 2 cities.
Also, you can give one extreme example where someone is earning good rental on commercial property but on the other hand I can list 10 such properties where rentals are less than Inflation and post taxes and maintenance, the owner is not making much.
@@anandnagpur111 Nope. You don't get leverage of upto 80% loan amount for plots. Also, you have to build a house on purchased plot in the next 3 years to stick to your home loan else bank will convert it to personal loans and charge penalty for last 3 years.
I've seen several plots where appreciation is 6-7% in the last decade. So, it's not like you buy any plot and money will grow.
@@WalterWhite-og6wj maybe you are selecting the wrong projects then. Since you are getting funded by the banks.
11 times growth in 20 years from 2003 to 2023 are rookie numbers in real estate during that period. I personally saw 100x in real estate and never going down though there are cases where it won't beat inflation.
Wow! Learnt so much. Thanks to all four. Real estate is really tough & costly, I guess
Every real estate investor (in fact every earning person) should start investing in stocks. Real estate investor has to keep his cash in banks until he has garnered enough money to make the transaction.
Such an eye opening podcast! I understood the importance of equity market
I'm trying to avoid new buys now in order not to get sucked into a bear trap. On the other hand, I’d love to know best possible areas and ways to invest amid downtrend. I’m worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do I wait?
@@terhagenSettimo I'm looking to give stocks another shot after staying on the sidelines since the pandemic, if you do not mind, could you explain a little bit how you're getting guidance and how can I contact the advisor?
Thanks for sharing. searched for her full name and her website popped up, I set up a call with her
Good discussion. I'm from Malaysia, and to me I invest primarily in equities with also some real assets which appreciate and also provides rental income. To me its all about to not put all the money in single basket. If one depreciates at least you still have the other to take care off your needs.
Really worth watching. Please make a separate video with real estate guys if possible. Their confidence speaks when everyone saying real estate investment will not give returns.
Thank you for the feedback. Will do more videos on Real Estate
Yes, if possible make separate video on Real Estate only by the same two guys investing in Real Estate
Any asset class return depends upon how prudent you are... Im 34 years .from coimbatore, real estate ( im talking about only land in the outskirts not home or flat) in coimbatore has given 80 - 100 times return in last 20 years ... going forward it will not be the case(saturating now) .. i had started working at age of 21 and invested 95 percent in real estate and created good amount of wealth(15 crs approx)... now i will focus on equity hence forth
Exactly, when we say real estate people just look at homes and flats.
clear difference in the type of people who invest in different sectors, grey/white hair, shirt or formal and plain lifestyle, sounding slow and bit rude, vibing generation wealth are real estate people, and t-shirt hoodie, funky glasses , funny uncle , chilling mindsets are the - equity class people . choose wisely, what you wanna become
Equity guys have big fat tummy... Real estate guys don't have one. They are more fitter.
Real estate investments appear to contribute to a healthier lifestyle compared to equity investments, and this is the key insight you can gain in just 5 minutes.
Agree with Real estate gives passive income that allows you to have ample amount of time for personal development
It's immaterial and pure coincidence that the equity investors in the video are physically similar. It has nothing to do with their investment preference. 😂 Let's not be ridiculous.
@@SaGaR-F.I.R.Es d3eßdsîsßs77sß7ußsddßustdtàdtàddttttdtddtdtaddddddtdddddddtdddddddddddddddddda
Loved the conversation. It would be great if you guys plan a guide to real estate investing video with the featured real estate experts panel.
Not Joking Yesterday I Sold shares worth 8 lakhs within 16 minutes
You can use Equity To buy Home for Free
I dont know if you bank gives Investors Discount but When you see The Green% You'll never think to buy a 2nd house
I would say if u r planning to buy 2nd house just go for Equity
Looking at people in the video. One advantage of Real Estate is that It keeps you healthy because you have to keep moving here and there unless equity investors who can sit all day :)
😂
both sector investment is important with correct education and balance approach .
Crazy content,much needed i am in my twenties and thinking of these info ... Lucky i am subscribed to wint wealth. Please do more such videos.. thanks 👍❤
Thanks
Both the asset class generated great roi over the years for different people in different way...
Thought informative video @wintwealth
Glad you liked it!
Loved the video. The best learning for me was about forming a Trust!
Surprised they didn't discuss the black money aspect of real estate
They briefly touched upon it. Listen to Handa ji in the beginning.
@@mrgyani oh yeah totally missed it
Great discussion!!
Both Equity and Real estate has their own good and bad points. All the things is that how one should manage and take right decision when required. For this right decision, knowledge about the subject is very crucial.
Thanks for sharing and hoping for more such discussion.
Index funds are good for large cap investment but small and midcap fund managers are still able to beat those corresponding indexes a large amount of the time.
Real estate as a long term investment is great...equity however has fantastic advantages. I am almost 50/50 in both and financially independent.
How many years took to become financial freedom
this was so helpfull thanks a lot
Due to more passive nature of its investing, equity investors tend to be over-weight than real estate investors :) Jokes apart, nothing can beat returns of equity investing over long periods of time. The real estate investor in this video mentioned they enjoyed returns of 80%. Ask them over what period of time. I am confident their CAGR on real estate will be closer to FD returns after considering entry and exit costs, agent fees, renovation charges, vacancy costs, and taxes
I will take this as a feedback and get to working on my health
Awesome!. Wish you a healthy and wealthy life.
Much needed thanks
Its all About perception and personal experiences.
Both are right on their part.
Awesome content …
Please Make more content on Real estate 👍🏻
Thank you for the feedback. Will do more videos on Real Estate
Healthy and wealthy discussion
Just to give an observational insight 🤔
1. Assuming Ravi Handa has 20 crores+ as his net worth.
2. He mentions in one of these videos that he has 2% in crypto.
3. That 2% amounts to 20 lakh so the gains he can potentially make from them can be still exceptional.
Note: Please correct me if I'm wrong by replying, I'm eager to hear more thoughts 💬
Good podcast, was able to learn more about equity & real estate.
Something that got my attention was Sanjay Sir's hoodie color changing from green to brown to green throughout the video😅
Its a magical hoddie, bought from equity
Very useful information about investment in MFs and real estate,both are very good for everyone, you four are did good job in exchange the facts about investment in both, well done, thanks 👍
Gem video , very useful , thanks
Real-estate companies must become more like listed entities ... Such that even the equity investors can invest and get exposure to real estate
Perfect timing for me
Sanjay Kathuria Sir ❤
Thanks
Cagr matters to me a lot. I feel investing in real estate a ghanjat. Real estate investment is also for those who are impulsive and dont have long term investment habits.
amazing discussion guys
Good one
Very nice topic❤
Wint is a class channel
Free salary point exists in both the sectors. In real eaate as well you can take the rent as free salary and your investment will be uneffected. Capital appreciation will continue so compounding is happening and not impacted by rental income
Wow eye opener podcast loved it truly
Many thanks
Equity guys are talking CAGR and real estate are absolute returns, which are two different things. exceedingly difficult to compare that way.
Also, real estate can not be the main stream of income, until 45-50s age.
It should be done with other sources of funds like reshufflung of assets, reinvesting by selling off low performing assets etc
I dont see any form link.. can you pls share the link..
Great video 💯
Thanks
Thanks for the video
Thank you
Good 🎉
Equity stocks offer Dividends - Advantage of Equity stock investing
Good podcast
Very informative one
Glad you liked it
Ravi Handa is such a legend.
He is an absolute gem
Real estate guys are fit and fearless like Sir Vivian Richards .. like a boss😎. Equity guys look so unhealthy..may be due to tensed whole day with screen
I will take this as a feedback and get to working on my health. I invest long term so not in front of screen, I think it is sheer negligence
Which is best way to invest in real-estate for retail investors
Can’t compare stocks and real estate, both are different.
Property is for those who want to keep simple, rental income and pass over to next gen.
Stocks is more how to manage funds and when you are not around then pass on to next gen and depends on next gen how they handle it.
classic content 👌
Real estate gain is only from hot deal in selected area/ city. Its fluctuate over the time. Last 3 years is going good.
Equity is equal game for everyone. Safe game.
Sir scams are everywhere, operators are everywhere. Nothing is safe.
@@anandnagpur111 agree sir. As my personal experience you can calculate the real estate builders fraud/broker fraud. That's even 90% may be above. If operators doing scam. U have option to sell out and at least on safe side. In real estate you have to see the burn of your money in front of your eyes and u can't do anything bcz of heavy ticket size.
As a real estate investor there letigation issue in land and requires time consuming in court and settlement issues with land advocate fees and requires proper knowledge regarding buying land
Real-estate guys looks physical fit & strong.
Equity guys looks unhealthy and unfit.
Maybe because Real estate guys are always on field
have observed the same
They buy flats with gym. That's why 😂😂
Since equity folks are already financially independent now they should focus on health
Complete generalized opinion not valid
Index funds are good.. earn 5crs . 2cr house with 1 lakh rental income… and your family will enjoy with 2cr FD . 1cr for family and friends
where to get 5cr is important part
@@truthtold3597aActive income se swing trading.
Would have been nicer if there was capture among investment in plots, and not necessarily a house/apartment
@wintwealth its pure joy to listen this conversation. Everyone is right on there own methodology. Btw Ravi handa at its best 🙏
Absolutely
Can we have a separate discussion on section 54F?
I have a flat and wish to upgrade to a new bigger one. Have done goal based investment in MFs which I wish to liquidate sometime later this year. Expecting another rally post elections.
All units are more than year old and I will be having LTCG. Do I need to pay 10% tax on returns above 1L or it can be exempted as I would use the entire corpus for down-payment of RE (the bigger flat).
Real estate is also highly risky plus the risk that come with managing the asset new things keep coming up in the market over the longer period the EMI you paid and rental income you made and return with flats it might mostly balance out and many will not even show interest in buying flats which are old
I think most of their converstion is about investing in commercial spaces , lands which are assets of investment but if you flat or house in big city unless really good deal it is all mostly waste
Biggest disadvantage in real estate is when you buy with white money by paying emis or direct payment and when u go to sell it 90% of buyers will pay only 50% white and 50% they pay u in black…..and black money doesnt grow….! Sadly these guys wont talk about it
Buy a plot in Tire-2 cities for real profit in real estate.
More content please
Sanjay I am big fan of you and the way you explained everything
Thanks
Buy land around good cities…find a good lawyer(can be easily done by knowing credit creditability of the Lawyer)….Socialise somewhat and find good brokers and that’s it you will make more returns then stock market.
Buy a Plot of Land - Prices either Go High or Stable
Land is Limited
Buy Stocks - Prices can go north South East West
STOCKS - They are against one to other
Interesting
Thanks
Not all equities gives great returns. Investment in equities also requires lot of study, knowledge, asking questions etc etc. I have an investment in one of hdfc sip , 12 years back did and still value is weak and very disppointing.
Never again invested in sips, invested all into fkats, plots and acres,at relatively throw away prices like 250-700/syd or 80k/acre, in & aroynd hydeabad,Vijayawada,Vizag, Nellore and Rajamundry.
Not exaggerating.
Very satisfied and very secured financially.
In real estate, atleast one can minimum understand where development is going to take place , sooner or later , with govt decisions, policies, express highway declarations etc
In equitiues, their value depends on the fund manager or that team. Purely decision of individual hands or groups.
Its my opinion. No offense.
Dear team,Can you help me make a prudent decision in real estate?
Two left equity😢guys have to be look after health
What is leverage through ods and Tax breaks in real estate!
once again, GOLD level of content.
A small request to the content team at wint, please bring a big finfluencer (think school, sharan, tanmay bhat, ca rachna ranade, arjun tandon, oswal sahab or even kamath brothers might do the trick )
Many thanks
The gentlemen are comparing batting avg of Bumrah to Kohli. Bumrah can hit a 6 once in a while, but his primary role is that of a bowler. Similarly Residential is meant for end use. Fact that it also appreciates in value is a bonus. Land which is a limited supply asset, is the investment instrument in real estate. One can also invest in retail, warehouse, commercial real estate depending on your budget and cash flow requirements to get better RoI than residential. I’m surprised they missed these fundamental points in this discussion.
Video started with very good questions.
Cash component question was not answered well
That's the sad reality of this market.
Suppose 1-2 quarter k baad RBI interest rate km krega ....tb market bdhega ya flat regarding
Abhi se buying chalu krni chahiye
Please guide
आपके अनुसार, वर्तमान में सबसे आकर्षक निवेश क्षेत्र कौन सा है?
The team is working hard
Krte rho vrna layoff krdunga
One diffrence between equity and real estate guy is real estate guy is much more fit than lazy equity guys just see both of them have belly
Great video, I have been thinking about this for some time, I think with the right knowledge and effort any of them can be profitable
Well that’s why financial literacy is really paramount, as much as the market can be quite unpredictable and a lot of variables have to be considered while making decisions, one still has to be aware of the basic principles that govern these things in order to avoid obvious pitfalls.
True, personally I work with an expert financial planner, been with him for years and he saw most of these things coming. Working with him has been the best decision of my life! He Adviced me to buy a Condo in Tampa for $100k in 2020, as of 2022 it was worth almost $200k, and he helped me structure the fin-plan to pay it off, now it’s paid off.
@@JasonAmir-qo4uo Oh Nice! What’s his name please, I’ve been on the lookout for a CFA or a portfolio manager for a while now.
His name is NELSON MAYNARD FISHER
What about his contacts, I would love to get I touch with him
Real estate there is also issue of land grabbing and ensuing police and Court case.
In equity there is issue of operators, scamsters like Mehtaji, Parekhji, fake news, rumours, haphazard decisions at government level.
@@anandnagpur111 Agree. But I invest in mutual funds, so I need not worry about the above mentioned as my fund manager would take care.
@wint wealth: have 1 to 1 interview with Mr. Sagar as he seems to be very knowledgeable on real estatee