Stocks vs Real Estate: Why You Should NOT Buy A House In 2025
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I personally love Real Estate. I have multiple houses and own a hotel. I am invested in Stocks as well because its smart to be diversified.
Agreed, lately it seems like real estate has been much larger to see a positive return
stocks are way better if you’re just an average joe not looking to invest thousands of hours and $$$
Harder now for the average person to afford homes we’re being priced out from being able to own a property by people who keep buying up homes and renting it out
Agreed, if I were just starting out with investing today then Stocks has a much lower barrier to entry. You can start with just a few dollars. Real estate takes much more capital
You are the reason so many Americans are homeless. You own multiple houses.
I’m surprised you didn’t make another video about the housing market crash. You’ve been saying it’s going to crash every single year multiple times throughout the year for at least the six years.
Have you ever watched those videos? Or do you just read the title and not click? I have never called for a housing crash, if you actually watch the videos I’ve been pretty optimistic for housing.
When the market collapses, Graham will have to pick up a hammer and get a manly job. Then maybe he won’t speak like a beta.
@@GrahamStephanso you admit to clickbaiting
@@GrahamStephanwhere is the best place to buy a rental property at the moment?
@@GrahamStephannahhh sorry graham. I like you but you have made thumbnails with houses on fire saying crash coming. Clear value tax has called you out on it.
Bought my home in 2021 at 2.625%, we got so lucky. I was 23 and had no idea what I was doing. I was a homeless kid and no one in my family could offer any advice. I can’t wait to get to the point where I’m investing more and things just start to snowball. I know it’s exponential, but it’s hard being on the part of the curve where it feels like progress is still so slow.
DO NOT GET INTO MORE DEBT. As someone whose parents made me buy a car way expensier that I wanted/could afford, your money is your best asset since when you have enough of it you can get better deals. You dont really need this advice but for anybody who can read this
Keep that loan do not pay it off no matter what debt-o-phobes tell you.
Just buy snp 500 and wait.
Close as it gets to winning the lottery lol be frugal and don’t overspend, live there (i doubt you can rent anything cheaper) and invest as much as possible
Lucky you im 32 now anf wish i was able to afford a house where i work. Gotta live with my parents still.
I bought in 2019 in Denver, and I felt the same way. No idea what I was doing. I was terrified the market would crash right after I bought in. In 2021 I refinanced and went from a 4.5% to 2.8%. I have 500k in equity 5yrs later. Can’t even believe it. Grateful I didn’t wait.
Sticking to index funds, no hassle and great wealth builder. Easy money :).
Agreed!
What index fund do you recommend?
I have fidelity
@@zulu3779the ole SPY is was I use. Anything the tracks the s&p 500 is fairly stable. Be sure you understand what you are purchasing before you listen to a random person on the internet though 😅
@@GrahamStephan what will you do when the housing market crash?
Any recommendations for index funds?
Damn rich people keep getting richer and poor people keep spending and make them rich , the cycle keeps continuing!
HUMMM should I buy more stocks or houses??? maybe ill sell some of my houses and buy more stocks SMH. this video hits like dodo.
XAI330H feels like Bitcoin in 2010. Undervalued, strong backing, and ready to explode. Holding 200k now.
strong backing ? it isn’t even worth a penny
After creating a ridiculous spreadsheet comparing real estate and stocks I came to the conclusion that real estate has a somewhat higher return than stocks. But I was honest with myself and concluded that I wasn’t willing to put in the work to do real estate and that I would rather have the extra free time. I haven’t regretted my decision.
Facts
W
That’s fair, at least you’re honest, this guy Graham is a complete liar and hypocrite. Its gross. It’s like his end goal is to deceive people and throw up click bait for views. Instead of helping people who need to get educated, he deceives them with Clickbait
💯
@@McNelisG This is the first vid of his I’ve seen in a while. His 2017~2020 videos and older he gives solid advice then. I feel like he has covered so much financial content he’s running out of original ideas. Kinda unavoidable when you make specific content. (Love your work Graham)
I can’t even remember when “what’s up graham, it’s guys here” started anymore
Wow didn’t catch that until i saw your comment.
Wow , what does that even mean? Whats up graham? …who’s he talking to? So hes name is guys? Not graham?
He used to say “correctly” and people in chat responded as “what’s up graham, it’s guys here”, so he started saying that instead 😄
up
happy new year Graham!
Let’s go
You have to put 50% down on a house to break even if you rent it out. It doesn’t make sense at all in today’s market.
@@romangabriel007 only if you don’t have money.
@@McNelisGexactly. You shouldn’t finance a rental. Just wait and buy in cash.
@joe_ferreira I wouldn’t want to lock up that amount of cash into one property when you could finance it
As you mentioned, it is very hard to quantify and put a price on your own place. I was determined and in late 2023 I found my house, got a great deal because so many people were avoiding the market due to rates, and it has been a great experience. Tons of work, plenty of surprises one of which was fairly costly. But I bought a house well within my means and my mental health is so much better since I’m no longer having to not do hobbies or sneak working my cars in my apartment garage lol.
It’s not an investment, it’s a place to live and one of the best decisions I have ever made. Never looked at my house as an investment, and was always determined to make it happen. I’m just over a year with no regrets and do as much work as I can myself and back to my hobbies and enjoying myself.
Many real estate agents I spoke to said the same thing- don’t look at house as an investment although buying one at good location with good education system are plus. Buy a house when you NEED it. To simply make more money, putting money in Index fund will most likely provide higher return than the house for the same given period.
Thanks for the comment. I’m seriously looking at buying a condo in the next month or two (despite the massive prices) because I want to have my own garage, office…etc I know stocks go up much more (though real estate is leveraged), but if it works out I think I’m still going to buy. I just want a home. I’ll still rent to a roommate to bring down my sunk costs (not going to equity) to similar to rent, but that way I get to choose my own roommate/use my own space…etc
I tried to do rentals at a 7+% interest rate. The cash on cash return is so low it’s not even close to being worth the time/stress. If I just invested the down payment I wouldn’t have lost money on the closing cost and would have made 30% on a simple S&P index ETF.
IMO don’t listen to these gurus that say to buy real estate, just buy index funds and if you really want some real estate just buy a stock REIT. You get your passive income, little risk and high liquidity.
Honestly Graham this is one of your best videos in a long time.
Bro moves his arms more than the dealership inflatables.
Thought the exact same thing… terrible.
@@DaqPorterBridges There’s a good reason for that.
If you had a successful YouTube channel, you’d know why.
I’ve been reading a lot about how stocks might be a better investment than real estate in 2025. Housing prices are still high in many areas, and the returns on stocks could be more flexible and liquid.
That’s a fair point. Buying a house ties up a lot of capital, especially with mortgage rates still elevated. Stocks can offer higher potential growth, and you’re not locked into one location or property.
But don’t you think owning a home gives you stability? Plus, you can build equity over time and avoid paying rent. With stocks, there’s always market volatility to worry about.
That’s where a good financial advisor like Joseph Nick Cahill comes in. I worked with him when deciding whether to buy a home or invest in stocks after selling my property.
He helped me see the bigger picture, and we found a strategy that fit my goals perfectly.
Yeah, Joseph has been instrumental for me too! He reviewed my entire financial situation and walked me through the long-term implications of both choices. Honestly, if you’re unsure about whether to buy a house in 2025 or invest elsewhere…
Real Estate isn’t as passive as people think. It’s a lot of work and expenses. Repairs maintenance, taxes, insurances etc can wipe you out. Being a full-time landlord is a job, dealing with tenants is a hassle. You’re paying more interest on your loan than the house cost itself. Most rental owners I know are very tight with liquid cash, they are barely cash flowing and under constant pressure. Index funds are way better, index funds won’t call you 3am at night about a flooding toilet.
Your last sentence says it all. When my husband and I got married I considered keeping my house and renting it out. My husband convinced me that I don’t want to be a landlord, especially a residential landlord. Too many headaches. He had been a commercial landlord for a period of time and was glad to be done with that.
I believe investors should always put their cash to work, especially now that we’re in 2025, as we’ll start to see more market diversification. Given the recent performance of stocks, it’s safe to say that the stock market is the smartest investment option available. I hope others feel same way.
Of course, you are not alone.. However, if you are investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. I have been making more with less risk since i started working with one
I don’t let uncertainties sway my judgment based on hearsay. Back in 2020, I was holding onto some poor stocks, but I was fortunate enough to revamp my portfolio with a professional’s help before I saw some significant gains. To date, I’ve achieved nearly a 320% ROI over the last four years. My advisor and I are now working towards a seven-figure target, and we’re getting close.
I’ve worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Absolutely, there are a handful of experts in the field. I’ve experimented with a few over the past years, but I’ve stuck with ‘’Brenda Davies Clarke” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look—her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I’ve sent her an email, and I hope to hear back from her soon!
I hit $88k 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.
It’s essential for you to have a mentor to keep you accountable. Myself, I’m guided by Evelyn Vera. for years and highly recommend her I focus on her. To be honest, I almost didn’t buy the idea of letting someone handle growing my finance, but so glad I did.
Damn that’s huge, how do you make that much monthly?.. I have been looking for ways to be successful, please how??
It’s Ms. Evelyn Vera doing, she’s changed my life.
Oh I love that woman so much I started pretty low, though, $4000 thereabouts.
The return came massive. Justin is in school doing well, telling me of new friends he’s meeting in school. Thank you Evelyn Vera, you’re a miracle.
Wow… I know her too she is a licensed broker and a FINRA agent she is popular in US and Canada she is really amazing woman with good skills and experience.
Just remember. Behind every real estate investor what makes tons of money is family what goes pay check to pay check due to this type of greedy parsites.
lol not true
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
It has never been easier to understand how to build your money than it is right now, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar’s gain or fall on investments, in my opinion, are complex.
Working with a Financial Advisor to help guide you on your wealth-building journey if you’re just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
please who is the consultant that assist you with your investment and if you don’t mind, how do I get in touch with them?
There are a handful of experts in the field. I’ve experimented with a few over the past years, but I’ve stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.