The initial post was here post87397.html#p87397 but i move this interesting topic in this thread.
This is a personal opinion and of course i do not have idea from real estate(i mean buy houses,not hotels or land) but mathematics shows that i am correct.First,we should say that the real value is when you renovate a house.
I want to discuss about 2000s arbers who bought houses / lands from sport betting profits.
I wonder if those arbers who invested in real estate in 2000s had invested their
money in famous tech stocks and other brands(nike,google,walmart,boeing,amd,apple)(not spy) would they have much more money after 20 years?The answer is yes.
Imagine if only one stock of his diverisfied portofolio was apple,amazon,nvidia (etc...) in 2000s how much more profit he would have today. So stocks investing is much more profitable than real estate.
This is a rule.Real estate is more safer,but if you know just simple to diversify stocks you will get much more profits in the long run.
Warren Buffet is correct when he says that the best time to invest in stocks is "now".
Also if we take point pro stock traders that predict Market crash (buy at dip-huge amount)
then the numbers go far beyond the stocks and of course not at real estate.
Futhermore in real estate you will encounter people who do damage to houses and do not pay rent(trust me,very common).The only value at real estate that can deal with stocks is to buy a house in order not to pay rent or buy a house and rent as airbnb to a centre place with a lot of tourists or to a cosmopolitan island
Of course when you have big capital it is good to diversify also to real estate,but again just simple maths,stocks in the long run will pay more.
And you do not need to be Buffet in order to just choose a list of safe stocks that will increase.
In general 2000s arbers who invested in real estates and not at stocks have lost a lot of money in these 20 years.Buying stocks is better investing from just buy houses.
If someone disagrees i want them to express their opinion with arguments.
Waiting productive discussion and tell us which of 2 investements you prefer.
Stocks vs real estate(buying houses)
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Wolfie
- Totally Pro
- Karma: 61
Post
Re: Stocks vs real estate(buying houses)
I think different people have different needs.
1.There are people which want to preserve wealth. They need low risk, low return investments, real estate is an example. Or you can buy S&P500 and make enough money yearly to beat inflation and take something like 6% profit yearly after inflation adjustment.
2.Some people want to grow their portfolio and they choose a little more risk with good returns. Like you mentioned choosing a basket of stocks. Or investing in bitcoin long term.
3.Some others have no wealth and want to become wealthy by investing in speculative stocks, art, low marketcap altcoins or NFTs. I think the last category is the only category that it is degenerate gambling. But even in that category there are some high specialized people who know what they are doing. They have lower risk and still the greatest returns.
So to me there is no general investment advice but there is general investment education. And the choice is totally dependent on personal situation. The real question is what you want to achieve and what are you prepared to lose for it.
1.There are people which want to preserve wealth. They need low risk, low return investments, real estate is an example. Or you can buy S&P500 and make enough money yearly to beat inflation and take something like 6% profit yearly after inflation adjustment.
2.Some people want to grow their portfolio and they choose a little more risk with good returns. Like you mentioned choosing a basket of stocks. Or investing in bitcoin long term.
3.Some others have no wealth and want to become wealthy by investing in speculative stocks, art, low marketcap altcoins or NFTs. I think the last category is the only category that it is degenerate gambling. But even in that category there are some high specialized people who know what they are doing. They have lower risk and still the greatest returns.
So to me there is no general investment advice but there is general investment education. And the choice is totally dependent on personal situation. The real question is what you want to achieve and what are you prepared to lose for it.
- Alfa1234
- Totally Pro
- Karma: 63
Post
Re: Stocks vs real estate(buying houses)
Real estate can be extremely profitable if you hedge your own money to buy it and borrow as much as possible.
Say real estate in an area goes up an average of 2% per year and you buy a property with 20% down so you borrow the other 80% from the bank.
At current interest rates in a lot of (Western) countries, you can probably get that loan for an interest rate of 2-3%
Say the property you buy costs 250k, so you put 50k down and borrow 200k. At 2.5% interest for a 20 year loan you will be paying1057€ every month. Any decent real estate investment will be able to be rented out for roughly 1050month (you should look for something where the monthly rent will cover your loan).
After 20 years your loan will be paid off. Due to inflation you will be getting a lot more rent at the end than in the beginning, the difference should cover any expenses you pay for maintenance and repairs. Your propery, at an annual increase of 2% in value, will be worth 371486€ and will be paid off completely. You have turned your 50k into 371k in 20 years.
That's over 10% annually on your own money with very little risk.
Say real estate in an area goes up an average of 2% per year and you buy a property with 20% down so you borrow the other 80% from the bank.
At current interest rates in a lot of (Western) countries, you can probably get that loan for an interest rate of 2-3%
Say the property you buy costs 250k, so you put 50k down and borrow 200k. At 2.5% interest for a 20 year loan you will be paying1057€ every month. Any decent real estate investment will be able to be rented out for roughly 1050month (you should look for something where the monthly rent will cover your loan).
After 20 years your loan will be paid off. Due to inflation you will be getting a lot more rent at the end than in the beginning, the difference should cover any expenses you pay for maintenance and repairs. Your propery, at an annual increase of 2% in value, will be worth 371486€ and will be paid off completely. You have turned your 50k into 371k in 20 years.
That's over 10% annually on your own money with very little risk.
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CharlieSheen99
- Pro
- Karma: 27
Post
For example in Spain, Occupy houses becomes a headhache for buyers, that needs two years to take them out from their houses.
And you have to pay taxes for one hundred things every year.
Anyway, YES, it's a very good investment.
If you know the proper people, and you know where and how to buy, you even can buy houses, and earn more than 15% of the total cost every year. So you Pay your house in 7 years.
Re: Stocks vs real estate(buying houses)
Depends on the country.Alfa1234 wrote: ↑Wed Dec 15, 2021 12:24 pmReal estate can be extremely profitable if you hedge your own money to buy it and borrow as much as possible.
Say real estate in an area goes up an average of 2% per year and you buy a property with 20% down so you borrow the other 80% from the bank.
At current interest rates in a lot of (Western) countries, you can probably get that loan for an interest rate of 2-3%
Say the property you buy costs 250k, so you put 50k down and borrow 200k. At 2.5% interest for a 20 year loan you will be paying1057€ every month. Any decent real estate investment will be able to be rented out for roughly 1050month (you should look for something where the monthly rent will cover your loan).
After 20 years your loan will be paid off. Due to inflation you will be getting a lot more rent at the end than in the beginning, the difference should cover any expenses you pay for maintenance and repairs. Your propery, at an annual increase of 2% in value, will be worth 371486€ and will be paid off completely. You have turned your 50k into 371k in 20 years.
That's over 10% annually on your own money with very little risk.
For example in Spain, Occupy houses becomes a headhache for buyers, that needs two years to take them out from their houses.
And you have to pay taxes for one hundred things every year.
Anyway, YES, it's a very good investment.
If you know the proper people, and you know where and how to buy, you even can buy houses, and earn more than 15% of the total cost every year. So you Pay your house in 7 years.
- barret19
- Has experience
- Karma: 15
Post
Re: Stocks vs real estate(buying houses)
Stocks are more liquid (you can cashout anytime), less work and relaxing growth
Limited to 8-10% growth per year in most cases ( take S&P500 or msci world as an example)
Less than 5% investors can beat the s&p 500 long term by picking individual stocks and get 12-15% p.y
Real estate requires more work, more money (20% down or more, depending on your job income), more problems (bad renters, late payments, some gipsy or problematic families can destroy your property)
But it also has big advantages, you can borrow a lot of money from the bank and leverage your investments very fast and in 10-15 years have a huge property portfolio enough to retire from. (rents go up every year + your property value)
Example- you put 20k down, get 80k from the bank to buy a 100k apartment
You rent it for 600€ per month( 7.2% year) - it can go up to 10-15% per year if you are expert on finding good deals or cheap properties that require some work
After 15 years your apartment is paid off from the rent and its value has gone up to 150/200k (depending on the area devolpment , industry and services)
Limited to 8-10% growth per year in most cases ( take S&P500 or msci world as an example)
Less than 5% investors can beat the s&p 500 long term by picking individual stocks and get 12-15% p.y
Real estate requires more work, more money (20% down or more, depending on your job income), more problems (bad renters, late payments, some gipsy or problematic families can destroy your property)
But it also has big advantages, you can borrow a lot of money from the bank and leverage your investments very fast and in 10-15 years have a huge property portfolio enough to retire from. (rents go up every year + your property value)
Example- you put 20k down, get 80k from the bank to buy a 100k apartment
You rent it for 600€ per month( 7.2% year) - it can go up to 10-15% per year if you are expert on finding good deals or cheap properties that require some work
After 15 years your apartment is paid off from the rent and its value has gone up to 150/200k (depending on the area devolpment , industry and services)
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gamblehappier
- Pro
- Karma: 19
Post
Alfa1234 i agree that you are right here but my opinion is that stocks are just less stress.
But again real estate is very profitable in the longrun.And i have heard is a good way to avoid taxes.
Just a question.I have heard from a person that i know well that you can take a very big loan from banks (developed country,netherlands,belgium) with just a simple paid job for these countries(3k per month) and without depositing nothing.
For example he said to me that you can take loan of 250k with 3k month salary with interest only 1-1.5 and without depositing nothing.Is it possible?And he said to me that if you cannot pay the loan you just lose only your house that you get by loan.This means that you do not need to put a second house or land for a guarrantee.
I just search and in my country you need to deposit as you all said 20-30/100 of the loan.I do not know if you deposit that amount you you get loan,because i think that you should also have stable income,have a second house-land as guarantee .Again i am not sure if you only deposit 30/100 at the bank you will directly get loan.If someone knows can inform us.
Also the interest of loan in my country is not 1.1-5 as the above example but 13-17/100.So we clearly see that we lose a lot of value,this is a reason that right now i prefer stock-crypto market.
Compare the two examples and tell me if someone is lying to me or i just a live in a very poor country.
If the first example is true i wonder if it is possible for the people that live in europe can borrow loans from the banks of the developed countries even with depositing an amount of money(because they have so low interest at loans)
Re: Stocks vs real estate(buying houses)
Alfa1234 wrote: ↑Wed Dec 15, 2021 12:24 pmReal estate can be extremely profitable if you hedge your own money to buy it and borrow as much as possible.
Say real estate in an area goes up an average of 2% per year and you buy a property with 20% down so you borrow the other 80% from the bank.
At current interest rates in a lot of (Western) countries, you can probably get that loan for an interest rate of 2-3%
Say the property you buy costs 250k, so you put 50k down and borrow 200k. At 2.5% interest for a 20 year loan you will be paying1057€ every month. Any decent real estate investment will be able to be rented out for roughly 1050month (you should look for something where the monthly rent will cover your loan).
After 20 years your loan will be paid off. Due to inflation you will be getting a lot more rent at the end than in the beginning, the difference should cover any expenses you pay for maintenance and repairs. Your propery, at an annual increase of 2% in value, will be worth 371486€ and will be paid off completely. You have turned your 50k into 371k in 20 years.
That's over 10% annually on your own money with very little risk.
Alfa1234 i agree that you are right here but my opinion is that stocks are just less stress.
But again real estate is very profitable in the longrun.And i have heard is a good way to avoid taxes.
Just a question.I have heard from a person that i know well that you can take a very big loan from banks (developed country,netherlands,belgium) with just a simple paid job for these countries(3k per month) and without depositing nothing.
For example he said to me that you can take loan of 250k with 3k month salary with interest only 1-1.5 and without depositing nothing.Is it possible?And he said to me that if you cannot pay the loan you just lose only your house that you get by loan.This means that you do not need to put a second house or land for a guarrantee.
I just search and in my country you need to deposit as you all said 20-30/100 of the loan.I do not know if you deposit that amount you you get loan,because i think that you should also have stable income,have a second house-land as guarantee .Again i am not sure if you only deposit 30/100 at the bank you will directly get loan.If someone knows can inform us.
Also the interest of loan in my country is not 1.1-5 as the above example but 13-17/100.So we clearly see that we lose a lot of value,this is a reason that right now i prefer stock-crypto market.
Compare the two examples and tell me if someone is lying to me or i just a live in a very poor country.
If the first example is true i wonder if it is possible for the people that live in europe can borrow loans from the banks of the developed countries even with depositing an amount of money(because they have so low interest at loans)
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gamblehappier
- Pro
- Karma: 19
Post
The sentence that barret said for me is too important.Stocks-spy are more liquid (you can cashout anytime), less work and relaxing growth.You just find better value somewhere you cashout your stocks and invest.With houses you cannot do this.
Re: Stocks vs real estate(buying houses)
Nice Wolfie as you said we should all have this investement education and just diverisfy this is the key.I personally prefer stock market but i try to invest also at crypto and in the future jump to real estate/buy house.This is the safest i think.Wolfie wrote: ↑Wed Dec 15, 2021 11:06 amI think different people have different needs.
1.There are people which want to preserve wealth. They need low risk, low return investments, real estate is an example. Or you can buy S&P500 and make enough money yearly to beat inflation and take something like 6% profit yearly after inflation adjustment.
2.Some people want to grow their portfolio and they choose a little more risk with good returns. Like you mentioned choosing a basket of stocks. Or investing in bitcoin long term.
3.Some others have no wealth and want to become wealthy by investing in speculative stocks, art, low marketcap altcoins or NFTs. I think the last category is the only category that it is degenerate gambling. But even in that category there are some high specialized people who know what they are doing. They have lower risk and still the greatest returns.
So to me there is no general investment advice but there is general investment education. And the choice is totally dependent on personal situation. The real question is what you want to achieve and what are you prepared to lose for it.
The sentence that barret said for me is too important.Stocks-spy are more liquid (you can cashout anytime), less work and relaxing growth.You just find better value somewhere you cashout your stocks and invest.With houses you cannot do this.
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gamblehappier
- Pro
- Karma: 19
Post
Just another scenario here:
Example- you put 20k down, get 80k from the bank to buy a 100k apartment.You take leverage with 80k( for example,double the capital,160k) and invest at spy and stock market but at different times in the fear of market crash.
For those that they believe that double margin is risky just take 1.5 margin or whatever you feel safe.
You have also some available cash for very rare occasions(crash market).You rent 600 your appartement and you win also a lot due to stock market.After 15 years your apartment is paid off from the rent and its value has gone up to 150/200k and you will have also gain a ton of money due to the spy-stock market.
Re: Stocks vs real estate(buying houses)
Nice post barret i completely agree with you that the Stocks are more liquid.barret19 wrote: ↑Wed Dec 15, 2021 5:07 pmStocks are more liquid (you can cashout anytime), less work and relaxing growth
Limited to 8-10% growth per year in most cases ( take S&P500 or msci world as an example)
Less than 5% investors can beat the s&p 500 long term by picking individual stocks and get 12-15% p.y
Real estate requires more work, more money (20% down or more, depending on your job income), more problems (bad renters, late payments, some gipsy or problematic families can destroy your property)
But it also has big advantages, you can borrow a lot of money from the bank and leverage your investments very fast and in 10-15 years have a huge property portfolio enough to retire from. (rents go up every year + your property value)
Example- you put 20k down, get 80k from the bank to buy a 100k apartment
You rent it for 600€ per month( 7.2% year) - it can go up to 10-15% per year if you are expert on finding good deals or cheap properties that require some work
After 15 years your apartment is paid off from the rent and its value has gone up to 150/200k (depending on the area devolpment , industry and services)
Just another scenario here:
Example- you put 20k down, get 80k from the bank to buy a 100k apartment.You take leverage with 80k( for example,double the capital,160k) and invest at spy and stock market but at different times in the fear of market crash.
For those that they believe that double margin is risky just take 1.5 margin or whatever you feel safe.
You have also some available cash for very rare occasions(crash market).You rent 600 your appartement and you win also a lot due to stock market.After 15 years your apartment is paid off from the rent and its value has gone up to 150/200k and you will have also gain a ton of money due to the spy-stock market.
- Alfa1234
- Totally Pro
- Karma: 63
Post Believe me, I live in 1 of the countries you mentioned so I know it first hand.
Re: Stocks vs real estate(buying houses)
Simply not true re the no deposit loan. You need at least 20% and if they don't like your job stability they will require additional guarantees like a 2nd home or simply deny the mortgage. You can also "only" borrow an amount so your payment is up to 40% of your total monthly income. This makes it almost impossible for a non-married person to get a loan for real estate. To purchase an additional home (to rent out) you need about 25-30% downpayment or they will not even consider giving you the mortgage. Your friend is wrong.gamblehappier wrote: ↑Thu Dec 30, 2021 3:37 amAlfa1234 wrote: ↑Wed Dec 15, 2021 12:24 pmReal estate can be extremely profitable if you hedge your own money to buy it and borrow as much as possible.
Say real estate in an area goes up an average of 2% per year and you buy a property with 20% down so you borrow the other 80% from the bank.
At current interest rates in a lot of (Western) countries, you can probably get that loan for an interest rate of 2-3%
Say the property you buy costs 250k, so you put 50k down and borrow 200k. At 2.5% interest for a 20 year loan you will be paying1057€ every month. Any decent real estate investment will be able to be rented out for roughly 1050month (you should look for something where the monthly rent will cover your loan).
After 20 years your loan will be paid off. Due to inflation you will be getting a lot more rent at the end than in the beginning, the difference should cover any expenses you pay for maintenance and repairs. Your propery, at an annual increase of 2% in value, will be worth 371486€ and will be paid off completely. You have turned your 50k into 371k in 20 years.
That's over 10% annually on your own money with very little risk.
Alfa1234 i agree that you are right here but my opinion is that stocks are just less stress.
But again real estate is very profitable in the longrun.And i have heard is a good way to avoid taxes.
Just a question.I have heard from a person that i know well that you can take a very big loan from banks (developed country,netherlands,belgium) with just a simple paid job for these countries(3k per month) and without depositing nothing.
For example he said to me that you can take loan of 250k with 3k month salary with interest only 1-1.5 and without depositing nothing.Is it possible?And he said to me that if you cannot pay the loan you just lose only your house that you get by loan.This means that you do not need to put a second house or land for a guarrantee.
I just search and in my country you need to deposit as you all said 20-30/100 of the loan.I do not know if you deposit that amount you you get loan,because i think that you should also have stable income,have a second house-land as guarantee .Again i am not sure if you only deposit 30/100 at the bank you will directly get loan.If someone knows can inform us.
Also the interest of loan in my country is not 1.1-5 as the above example but 13-17/100.So we clearly see that we lose a lot of value,this is a reason that right now i prefer stock-crypto market.
Compare the two examples and tell me if someone is lying to me or i just a live in a very poor country.
If the first example is true i wonder if it is possible for the people that live in europe can borrow loans from the banks of the developed countries even with depositing an amount of money(because they have so low interest at loans)
Believe me, I live in 1 of the countries you mentioned so I know it first hand.- Trevorr
- Has experience
- Karma: 8
Post
Re: Stocks vs real estate(buying houses)
You need several houses(apartments) to start with(that is obviously tough), you rent it and then you are a reliable wealthy person for banks and you will get loans easily. I know people who are really rich doing this like 30 years.
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gamblehappier
- Pro
- Karma: 19
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gamblehappier
- Pro
- Karma: 19
Post
Re: Stocks vs real estate(buying houses)
I believe you but he insists that he do not need to deposit.He lives with her girlfriend(not married) and they both take 8k per month salary.They want to take 500k loan for the same appartement(250+250).I am sure that you say the true i do not doubt(because it also makes sense)Alfa1234 wrote: ↑Thu Dec 30, 2021 11:40 amSimply not true re the no deposit loan. You need at least 20% and if they don't like your job stability they will require additional guarantees like a 2nd home or simply deny the mortgage. You can also "only" borrow an amount so your payment is up to 40% of your total monthly income. This makes it almost impossible for a non-married person to get a loan for real estate. To purchase an additional home (to rent out) you need about 25-30% downpayment or they will not even consider giving you the mortgage. Your friend is wrong.gamblehappier wrote: ↑Thu Dec 30, 2021 3:37 amAlfa1234 wrote: ↑Wed Dec 15, 2021 12:24 pmReal estate can be extremely profitable if you hedge your own money to buy it and borrow as much as possible.
Say real estate in an area goes up an average of 2% per year and you buy a property with 20% down so you borrow the other 80% from the bank.
At current interest rates in a lot of (Western) countries, you can probably get that loan for an interest rate of 2-3%
Say the property you buy costs 250k, so you put 50k down and borrow 200k. At 2.5% interest for a 20 year loan you will be paying1057€ every month. Any decent real estate investment will be able to be rented out for roughly 1050month (you should look for something where the monthly rent will cover your loan).
After 20 years your loan will be paid off. Due to inflation you will be getting a lot more rent at the end than in the beginning, the difference should cover any expenses you pay for maintenance and repairs. Your propery, at an annual increase of 2% in value, will be worth 371486€ and will be paid off completely. You have turned your 50k into 371k in 20 years.
That's over 10% annually on your own money with very little risk.
Alfa1234 i agree that you are right here but my opinion is that stocks are just less stress.
But again real estate is very profitable in the longrun.And i have heard is a good way to avoid taxes.
Just a question.I have heard from a person that i know well that you can take a very big loan from banks (developed country,netherlands,belgium) with just a simple paid job for these countries(3k per month) and without depositing nothing.
For example he said to me that you can take loan of 250k with 3k month salary with interest only 1-1.5 and without depositing nothing.Is it possible?And he said to me that if you cannot pay the loan you just lose only your house that you get by loan.This means that you do not need to put a second house or land for a guarrantee.
I just search and in my country you need to deposit as you all said 20-30/100 of the loan.I do not know if you deposit that amount you you get loan,because i think that you should also have stable income,have a second house-land as guarantee .Again i am not sure if you only deposit 30/100 at the bank you will directly get loan.If someone knows can inform us.
Also the interest of loan in my country is not 1.1-5 as the above example but 13-17/100.So we clearly see that we lose a lot of value,this is a reason that right now i prefer stock-crypto market.
Compare the two examples and tell me if someone is lying to me or i just a live in a very poor country.
If the first example is true i wonder if it is possible for the people that live in europe can borrow loans from the banks of the developed countries even with depositing an amount of money(because they have so low interest at loans)
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gamblehappier
- Pro
- Karma: 19
Post
Re: Stocks vs real estate(buying houses)
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gamblehappier
- Pro
- Karma: 19
Post
Re: Stocks vs real estate(buying houses)
So guys maybe it is better to invest in reits than buying real houses?
NlY,AGNC,NRZ are stable reits with dividend yield 10/100 per year.I know that whatever you buy should have value
but with REITS stocks you do not lose TIME(which is very important,you could do something productive,make money from arbing/valuebetting),you do not need to work,no more expenses and of course you do not need so big capital in order to start.
If someone says that with a mortage you leverage your capital,so you increase a lot your investement,the same applies with the reits(you can leverage your reits with a stock broker)
You also sell whenever you want,more liquid and you are not obliged to live in an area near your investing house in order to get your payment from your tenant.
All the above for reits applies also for the stocks,bonds,etfs.
Reits,stocks,bonds,etfs better investement than buying real house for all the above reasons(if you know what you do/diverisfy). At least for me right now and i explain the reasons.
NlY,AGNC,NRZ are stable reits with dividend yield 10/100 per year.I know that whatever you buy should have value
but with REITS stocks you do not lose TIME(which is very important,you could do something productive,make money from arbing/valuebetting),you do not need to work,no more expenses and of course you do not need so big capital in order to start.
If someone says that with a mortage you leverage your capital,so you increase a lot your investement,the same applies with the reits(you can leverage your reits with a stock broker)
You also sell whenever you want,more liquid and you are not obliged to live in an area near your investing house in order to get your payment from your tenant.
All the above for reits applies also for the stocks,bonds,etfs.
Reits,stocks,bonds,etfs better investement than buying real house for all the above reasons(if you know what you do/diverisfy). At least for me right now and i explain the reasons.
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CharlieSheen99
- Pro
- Karma: 27
Post
At least me, i will not invest all my money via online. And about REITS, this investment doesn't depends entirely of you.
Re: Stocks vs real estate(buying houses)
Real State is something that we can touch with our hands. As humans, i think that we need to feel this kind of secure, that we don't have with digital investments.gamblehappier wrote: ↑Wed Feb 09, 2022 1:47 amSo guys maybe it is better to invest in reits than buying real houses?
NlY,AGNC,NRZ are stable reits with dividend yield 10/100 per year.I know that whatever you buy should have value
but with REITS stocks you do not lose TIME(which is very important,you could do something productive,make money from arbing/valuebetting),you do not need to work,no more expenses and of course you do not need so big capital in order to start.
If someone says that with a mortage you leverage your capital,so you increase a lot your investement,the same applies with the reits(you can leverage your reits with a stock broker)
You also sell whenever you want,more liquid and you are not obliged to live in an area near your investing house in order to get your payment from your tenant.
All the above for reits applies also for the stocks,bonds,etfs.
Reits,stocks,bonds,etfs better investement than buying real house for all the above reasons(if you know what you do/diverisfy). At least for me right now and i explain the reasons.
At least me, i will not invest all my money via online. And about REITS, this investment doesn't depends entirely of you.
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