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Stocks or Real Estate Investing? Which is much better or constructing wealth in Canada? Leave your thoughts in the remarks below.
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That depends on where lol. Since we both live in Vancouver I would pick real estate but Winnipeg ? Stock all day.
Yeah I guess it depends!
I was actually asking that question to myself yesterday, thank you
Great minds think alike 😉
i say both!! great video. Thanks for the knowledge Brandon!
😀
It all depends on taxes of the growth
Good point to consider Vic!
How about REITs compared to Equity stocks
Both but you start with maxing out your tfsa rrsp etc. And then eventually save up more money or sell all or some of your stocks to get into real estate. Im still on stage 1 so 🤷♂️
Facts!
If I HAD to choose…well, right now I would say ‘stocks’. If I am a dividend – passive investor, that is…in a tax free or tax reduced account of some sort…TFSA, RRSP kind of deal. Not crypto, speculative growth companies, but dividend paying-dividend increasing reliable blue chip stuff. in that case, my money is actually working for me and giving realised returns monthly, and with some increasing unrealised growth as well on the side.
A House is great: I can do what I want when I want with it, within bylaws, etc, BUT that return is only realised when I sell…or perhaps die and my estate sells. In the mean time I have to pay property tax, mortgage interest, which COULD erase good chunk of that return, and erases it now. The only reasonable way to access that money in the house is by taking a loan out against it..introducing interests to the equation again. So I have to pay to access the money ‘trapped’ in my house, and risk losing my house as an extra bonus.
ON THE OTHER HAND: leveraging and buying and renting to good tenants, buying another rental, etc is a good way to retire at 40.
in the real world, I would say both. They are not making any more land and as they say ” the best time to buy real estate is 5 years ago.
Real estate in my opinion. I would much rather put money into my home with the goal of owning it one day.
I like the idea of using rental income to buy stocks. Now that’s how you DCA.
Why not both? Diversify, baby
Good question, I think both have solid potential but for a lot of people physical real estate may be out of reach in which case REITs are a great alternative.
Real estate, at least in the Canadian housing market currently, is just way, way too expensive of an asset to consider it an investment. Factor in the amount of utilities, repairs, housing costs, upkeep and interest you paid on a 30 year mortgage it’s easily in the hundreds of thousands. As well if it’s your primary residence it’s not generating you income and the only way you can access cash from it is by borrowing against it. I’d rather buy shares in the stock market with my own money and collect dividends for holding them as passive income.
I prefer stocks. Real estate is a huge pain in the butt.
It’s a surprising pain in the butt forsure…
. I am for real estate – show me where you can get that much ROI in stock market and I may change my mind
Do both and lose doubly like I did
I would say it depends on where you are in life, but contributing to both seems the best strategy to me. If you have your tax-advantaged accounts maxed, I’d be more focused on real estate and building equity in productive assets, given that you have a 15-20 year time horizon.
Starting from today with nothing invested, I would (in this order): TFSA maxed, primary residence purchased, RRSP + any available match maxed (+ RESP govt ‘match’ if you have children), then investment properties, then non-reg securities. Anything left order would go on my primary residence mortgage.
True!
My parents have always told me their argument for real estate investing or buying a home is that you need to pay to live somewhere anyways and rent is very expensive so it’s better to buy a home and benefit from the appreciation in the future and one day be mortgage free.
Is buying stocks on margin borrowing money at a low interest rate from a bank and then investing that money into stocks? Thanks and great video Brandon.
I can definitely agree with that! Thanks pretty much exactly what margin in!
is*
In the 14 years of owning real estate I’ve made $700k just by buying and selling 3 homes in which I now own my house outright. I’ve always contributed to my RRSP and TFSA but now I can contribute massively more since I no longer had a mortgage or rent to deal with.
Wow! Awesome. Yeah, that’s exactly the goal. Tons of cashflow that you’d have available and it sounds like you’re doing something right 🙂
Both!