TomTurboInvest (@TomTurboInvest) on getquin

5Mon·

#immobilien An interesting article for anyone thinking about investing in an investor property.

And for those who think that real estate is so much worse than shares and ETFs, it's certainly also interesting to listen to it without judgment - just 10 minutes from timestamp 17:10 is enough for a "high level".

The interviewee is a real estate entrepreneur who is certainly not entirely neutral, but the arguments have something to them.

I myself am also invested in real estate, so of course I like these arguments 😁 - how could it be otherwise with contributions that confirm your own investment case 🤣🤪

PS: The whole post is 48 minutes, but can be listened to at speed 2.0 due to the speaking speed 😉

Have a nice Sunday evening and a successful start to the stock market week again tomorrow

https://youtu.be/6cCsgI1sAEY?si=905EiQrxw1loE36U

www.youtube.comExperte: DARUM sind Immobilien BESSER als Dein ETF-Sparplan & bieten jetzt Riesen-Chancen

32 Comments

GreenWash@GreenWash

5Mon

I own a property myself and understand the arguments, but I see things a little more differently... According to his statement, you should buy a property before you start investing in the capital market. The first argument is that the leverage is very high with an investment of only 10% or up to 40% and that the property pays for itself through the rental payments. I agree with him so far, but I have SIGNIFICANTLY less stress running an equity savings plan on $VWCE and not having to deal with anything. If that's what I want, I can also hope for the next low-interest phase, get a non-earmarked loan (with quarterly annuity) from Check24, top up the $VWRL with it and repay the quarterly payments with dividends and equity. (I wouldn't, but it's no different to leveraging 😇) I would basically agree with his second argument that you don't have the discipline to keep the savings plans running like this and would rather take money away than from a property. You are simply condemned to "forced saving" because the loan installment comes at the end of the month. Many (like me) in the getquin community would NEVER touch their securities account to treat themselves to things like a car or something else. Some invest their Christmas money in a special repayment, some use it to buy shares or ETF units. 🎅 In the end, I think he's right somewhere and somewhere, of course, he's a bit biased towards his asset class. If I could make all the financial decisions of my life again, I wouldn't buy the apartment (even though I got a good deal here). I would start investing in the broadly diversified capital market with my first salary. Just let the savings plans run, if a little money comes in unexpectedly (Christmas bonus, tax refund etc.), bring that in too... With around 100k in the share portfolio, you can then think about buying a property - although I don't demonize open-ended real estate funds either, as I have zero effort and also a "relatively secure" return. But that's just my opinion - I also have friends who are ONLY invested in the housing market 🙂

•

Show answer

Daniel@NeotheHacker

5Mon

Thank you! Sounds interesting and I'll listen to it as soon as possible as I need a motivational boost for my own objects. They are a lot of work. 😅 So nothing passive, as has always been said.

•

View all 2 further answers