April 17, 2013
Is your home an investment? Why or why not? If so, is it a good one? If not, where would you go for a good investment? What is a good investment?
Is your home an investment? Why or why not? If so, is it a good one? If not, where would you go for a good investment? What is a good investment?
No, your home is not an investment. Your home will cost you way more than you will earn based on appreciation. For a good investment, I would go to Vanguard and buy no-load index mutual funds. In order to be a good investment, it needs to have a low expense ratio; all fees should be under .3%.
Well said, Katherine. Your home is not an investment no matter how many people (usually in the real estate industry) say it is. It produces no income and whatever appreciation you earn will be squashed by the costs you incur. Costs? The yearly costs that include property taxes, insurance, maintenance, and upgrades. If you do want to call it an investment then you had better refer to it as a bad investment. Best case you might earn 1 or 2% per year after a decade or so. Would you call that good? I wouldn’t.
Katherine pointed us in the right direction. Vanguard can provide you no-load index mutual funds (bonds and stocks) that can provide returns ranging from 5 to 10% annually (after costs) based on your asset allocation model (how much you have in bonds and how much you have in stocks). Focus on reducing your costs to the lowest possible denominator as you reach for higher returns on your investments. It’s worth it. You’re worth it!
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