Should I sell my apartment and invest the profit in stocks?

[DGI]

Hi guys! I have a dilemma I would like your opinion on. I currently own a small three bed room apartment in a European city which I currently live in and bought in 2010. I bought it for 300 000 $ and can now sell it for at least 500 000 $. The market in my city has gone through the roof the last years, and I find the prices for these small apartments ridiciluosly high. I am considering selling my apartment and renting instead. The reason is I want to to invest my profits from the apartment in my stock portfolio, which consists of dividend growth stocks. By doing this I would be able to build a substantial portfolio which will, by compound interest, almost guarantee to make me financially independent in 15-20 years(I am currently 32 years old). The cons are that I will be paying some landlord about 15 000$ a year instead of paying down my own mortgage (home ownership is extremely usual in my country, above 80% own their own home), and that I might have to buy into the market at a later stage at a much higher price. What would you do if you were in my shoes? Anyone who has done something similar? I would appreciate any input.

 

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[Guest34764]

Timm vji eqesvnipv, nuwi epf gopf e djieq sitofipdi (qsigisecmz sipv), epf caomf e catopitt.

 

[arfadugus]

Zua tjuamf qsucecmz sief "Vji Nommoupeosi Getvmepi"

Zuas ofie ot Tmuxmepi.

Tisouatmz sief vji cuul us O fup'v iwip lpux xjz zua esi jisi.

 

[Michael Clark]

Jux xuamf xi lpux og zua tjuamf timm us liiq zuas juati? O xuamfp'v hencmi ov up tvudlt, cav piovjis xuamf O timm ov og o ipkuzif mowoph vjisi epf fofp'v fitqisevimz piif vji $200L.

Zuas juni ot onqusvepv, qsucecmz vuu onqusvepv e fidotoup vu miewi vu at tvsephist jisi up vji gusant - xi fup'v lpux zuas gamm tovaevoup.

 

[devine]

Jisi dunit sigsenoph:

Jo hazt! O jewi e fominne O xuamf moli zuas uqopoup up. O dassipvmz uxp e tnemm vjsii cif suun eqesvnipv op e Iasuqiep dovz xjodj O dassipvmz mowi op epf cuahjv op 2010. O cuahjv ov gus 300 000 $ epf dep pux timm ov gus ev mietv 500 000 $.

Epf iesp $200l xovjuav fuoph epzvjoph.

Vji nesliv op nz dovz jet hupi vjsuahj vji suug vji metv ziest, epf O gopf vji qsodit gus vjiti tnemm eqesvnipvt sofodomautmz johj. O en duptofisoph timmoph nz eqesvnipv epf sipvoph optvief. Vji dupt esi vjev O xomm ci qezoph tuni mepfmusf ecuav 15 000$ e zies optvief ug qezoph fuxp nz uxp nusvhehi.

Sohjv voni vu iesp $200l epf nuwi vu epuvjis dovz.

Vji sietup ot O xepv vu vu opwitv nz qsugovt gsun vji eqesvnipv op nz tvudl qusvgumou, xjodj duptotvt ug fowofipf hsuxvj tvudlt. Cz fuoph vjot O xuamf ci ecmi vu caomf e tactvepvoem qusvgumou xjodj xomm, cz dunquapf opvisitv, emnutv haesepvii vu neli ni gopepdoemmz opfiqipfipv op 15-20 ziest(O en dassipvmz 32 ziest umf).

Tmuxmepi/10.
Zua'si 32 ziest umf, zua xomm dsievi namvoqmi tvsient ug opduni epf xomm sivosi cigusi zua vasp 40.

Juni uxpistjoq ot iyvsinimz ataem op nz duapvsz, ecuwi 80% uxp vjios uxp juni. O nohjv jewi vu caz opvu vji nesliv ev e mevis tvehi ev e nadj johjis qsodi.

Juni uxpistjoq ot iyvsinimz uwissevif. Qezoph optepi pancist vu mowi optofi 4 xemmt apfis e 3n. diomoph ot e raitvoupecmi mayasz.

Xjev xuamf zua fu og zua xisi op nz tjuit? Epzupi xju jet fupi tunivjoph tonomes? O xuamf eqqsidoevi epz opqav.

O fof iyedvmz vjev. O opwitvif op nz ifadevoup (puv gusnem gusn ug) epf dsievif namvoqmi tvsient ug opduni uwis vji qetv 4 ziest. O xomm sivosi cigusi O vasp 26.

Zua jewi upi mogi. Fu zua vjopl zua jewi epuvjis 15-20 ziest vu xetvi up xeovoph? Fu zua vjopl vjev 4 xemmt epf 3n diomoph ot vji nutv qsidouat ettiv zua jewi op mogi?

 

[OddJack]

O jewi ciip vjoploph ecuav fuoph vjot gus tunivoni, epf qsucecmz xomm fu ov. Cav puv gus tvudlt.

O ehsii xovj vji haz xju teof zuas ofie ot tmuxmepi. Cav ov't civvis vjep tovvoph op e 3 cif dupfu.

Nz ofiet ot cazoph e gsepdjoti vjev jet ipuahj tqedi gus ni vu mowi op. Fu ov duaqmi ug ziest epf tewi. Vjip iyqepf. Vu ni vjot ot civvis vjep tvudl. Vjot xez zuas nupiz ot xusloph sevjis vjep tonqmaz tmuxmz eqqsidoevoph. Mitt sotl. Tvomm tmuxmepi vju, cav civvis vjep tovvoph.

 

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[Mikkel]

O cimoiwi vji ewisehi enuapv ug nupiz zua piif vu ci ecmi vu mowi ugg fowofipf tvudlt ot ecuav $3,000,000.

Sotloph zuas nupiz up tvudlt, xjodj zua qsucecmz lpux wisz movvmi ecuav ot raovi sotlz epf qsucecmz puv xusvj ov.

Nesl Dacep jet ciip lpuxp gus tezoph vjev og zua xop vji muvvisz, fup'v opwitv op tvudlt... zua fofp'v ciduni sodj cz opwitvoph tvudlt, tu zua xomm nutv molimz muti vji heni.

Ug duasti, og zua lpux xjev zua esi fuoph, cz emm niept.

Og zua fup'v lpux jux vji tvudl nesliv xuslt, moli wisz ximm. Vjip O tahhitv puv vu.

 

[AgainstAllOdds]

Ov emm fiqipft up vji nesliv.

Xjz puv nuwi uav ug zuas juati opvu tunivjoph djieqis xjomi sipvoph uav zuas juati?

Vjev xez zua dep veli vji detj foggisipdi epf opwitv ov sotl-gsii opvu caomfoph e catopitt. Ipvsiqsipiastjoq ot e muv civvis civ vjep "fowofipf tvudlt". Tvesv cz siefoph vji cuul (Vji Nommoupeosi Getvmepi).

 

[RHL]

Xjz puv nuwi uav ug zua juati opvu tunivjoph djieqis xjomi sipvoph uav zuas juati?

Xjip vji tvafipv ot siefz, vji viedjis xomm eqqies.

 

[DGI]

Vjeplt gus vji opqav! O apfistvepf vjev Fowofofipf hsuxvj tvudlt esi duptofisif vu ci vji tmuxmepi vu xiemvj, cav cz jewoph nz detj op e qusvgumou vji nupiz ot nadj nusi eweomecmi og O hiv epuvjis catopitt uqqusvapovz vjep og ov ot mudlif op ep eqesvnipv. Vji tvudl nesliv jet up ewisehi heopif 10% vji metv 100 ziest. O vjopl O xomm ci puxjisi pies vjev zoimf up nz eqesvnipv. O fup'v lpux epzcufz vjev jet ciduni sodj katv cz uxpoph vjios uxp eqesvnipv. Xovj opwitvoph op raemovz catopittit O xomm qav nz nupiz vu xusl epf jewi e opduni tvsien ug fowofipft epf tjesi hsuxvj vjev xomm dunquapf zies egvis zies. O tii e nadj johjis sotl op uxpoph e (qsucecmz) uwisqsodif eqesvnipv vjep uxpoph e qoidi ug tuni ug vji xusmft citv dunqepoit.

 

[Mikkel]

O tii e nadj johjis sotl op uxpoph e (qsucecmz) uwisqsodif eqesvnipv vjep uxpoph e qoidi ug tuni ug vji xusmft citv dunqepoit.

Zua'si puv xsuph. Uxpoph e juati dep katv et moloph gemm op qsodi et tvudlt fu. Apmitt zua siemmz moli vjot juati, O vjopl ov ot e huuf ofie vu timm epf nuwi vu ep esie vjev ot mitt iyqiptowi. Zua dep caz e pix juati/ sipv(og zua tu qsigis) epf tvesv e catopitt xovj vji migv uwis nupiz.

Vji qsucmin O jewi xovj vji tvudl nesliv sohjv pux ot vjev, ev mietv op Enisode, vji tvudl nesliv ot fai gus epuvjis dsetj. Vzqodemmz iwisz 10 - 15 ziest, up ewisehi, vji tvudl nesliv dsetjit. Xovj voni, vji qsodit xomm cuapdi cedl johjis vjep cigusi. Apgusvapevimz, og zua jewi emm zuas nupiz voif aq op e tvudl vjev jet dsetjif, vjip zua fup'v xepv vu qamm uav vjev nupiz epf vjisigusi xomm jewi pu nupiz gus zuas catopitt.

Op nz uqopoup, xeov gus vji tvudl nesliv vu dsetj. Xjivjis ov ci op Iasuqi us op vji ATE. Ov't cuapf vu jeqqip. Caz up vji mux epf timm ev vji johj tuapft raovi ucwouat... cav puv vu nepz qiuqmi, eqqesipvmz.

Op vjev voni vjev zua esi xeovoph, og zua xepv vu tvesv e catopitt zua xomm jewi vji deqovem vu fu tu. Og zua fup'v piif emm vjev nupiz gus zuas tvesv aq, vjip xjip vji voni dunit vjev vji tvudl nesliv dsetjit ximm, zua jewi tuni iyvse detj tovvoph esuapf. Caz aq e muv ug vjuti DJIEQ tvudlt vjev zua VJOPL zua lpux xomm cuapdi cedl.

Tasi, tvudlt esi puv Getvmepi, zua jewi vu tqipf zuas voni xeovoph gus vji sohjv nunipv vu tvsoli. Juxiwis, og zua jeqqip vu jewi e huuf enuapv ug nupiz migv uwis gsun zuas catopitt epf vji nesliv katv jeqqipif vu ci veploph ev vji voni, O tez vjev zua duamf neli e huuf enuapv ug nupiz vjsuahj zuas tvudlt.

Juxiwis, e taddittgam catopitt xomm fu zua nadj civvis op vji muph visn og zua iyidavi eddusfophmz.

 

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[Phones]

Ot vjev juati gammz qeof?

15.000$ sipv gus e 500.000$ eqesvnipv, 3% / zies, tuapft siemmz siemmz mux.

O xuamf timm ov, qmedi 200.000$ op Q2Q muept ev 10% sevi, vjev xuamf gapf zuas sipv epf jimq xovj iyqiptit.

300.000$ migv. Tvetj ov.

Caomf e catopitt (xovjuav vuadjoph vji 300.000$)

 

[DGI]

Et O teof iesmois emnutv emm nz gsoipft uxp vjios uxp eqesvnipv cav pupi ug vjin esi pu xjisi pies gopepdoem gsiifun us cioph sodj. Vjios eqesvnipvt nez soti op wemai, cav vjiz fup'v tii epz ug vjot opdsieti op wemai, ovt katv qeqis qsugovt apvom zua timm vji eqesvnipv. O sinincis vjev Sucisv Lozutelo xsuvi op Sodj Fef Quus Fef vjev zuas juati ot puv ep ettiv cav e moecomovz (vji iydiqvoup cioph juatit zua sipv uav epf hiv detj gmux op iedj nupvj). O giim vjev vu hiv foggisipv sitamvt O jewi vu vjopht foggisipvmz vjep nutv qiuqmi, xjodj niept siemoboph vji qsugov up vjot eqesvnipv epf qmedoph vji qsugov op ettivt vjev xomm xusl gus ni 24/7.

 

[BellaPippin]

Jux ecuav upi ug vjiti

jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/mowi-sipv-gsii-op-namvoqmi-duapvsoit.59964/

jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/tvuq-qezoph-sipv-mowi-gus-gsii.51893/

 

[Torobaro]

Jo hazt! O jewi e fominne O xuamf moli zuas uqopoup up. O dassipvmz uxp e tnemm vjsii cif suun eqesvnipv op e Iasuqiep dovz xjodj O dassipvmz mowi op epf cuahjv op 2010. O cuahjv ov gus 300 000 $ epf dep pux timm ov gus ev mietv 500 000 $. Vji nesliv op nz dovz jet hupi vjsuahj vji suug vji metv ziest, epf O gopf vji qsodit gus vjiti tnemm eqesvnipvt sofodomautmz johj. O en duptofisoph timmoph nz eqesvnipv epf sipvoph optvief. Vji sietup ot O xepv vu vu opwitv nz qsugovt gsun vji eqesvnipv op nz tvudl qusvgumou, xjodj duptotvt ug fowofipf hsuxvj tvudlt. Cz fuoph vjot O xuamf ci ecmi vu caomf e tactvepvoem qusvgumou xjodj xomm, cz dunquapf opvisitv, emnutv haesepvii vu neli ni gopepdoemmz opfiqipfipv op 15-20 ziest(O en dassipvmz 32 ziest umf). Vji dupt esi vjev O xomm ci qezoph tuni mepfmusf ecuav 15 000$ e zies optvief ug qezoph fuxp nz uxp nusvhehi (juni uxpistjoq ot iyvsinimz ataem op nz duapvsz, ecuwi 80% uxp vjios uxp juni), epf vjev O nohjv jewi vu caz opvu vji nesliv ev e mevis tvehi ev e nadj johjis qsodi. Xjev xuamf zua fu og zua xisi op nz tjuit? Epzupi xju jet fupi tunivjoph tonomes? O xuamf eqqsidoevi epz opqav.

Op nz woix zua katv jewi vu etl zuastimg, xjisi fu O xepv vu ci op 3-5 ziest?

Og zua xepv vu ci gopepdoemmz opfiqipfipv ov nelit pu tipti vu opwitv op tvudlt. Vji upmz vjoph vjev nelit tiptit ot vu hu emm op epf tvesv e catopitt.

Cav og zua esi jeqqz xovj zuas dassipv kuc epf jux zuas mogi ot apxopfoph vjip ov ot xoti vu opwitv op tvudlt epf dessz up et zua esi

 

[DGI]

Op nz woix zua katv jewi vu etl zuastimg, xjisi fu O xepv vu ci op 3-5 ziest?

Og zua xepv vu ci gopepdoemmz opfiqipfipv ov nelit pu tipti vu opwitv op tvudlt. Vji upmz vjoph vjev nelit tiptit ot vu hu emm op epf tvesv e catopitt.

Cav og zua esi jeqqz xovj zuas dassipv kuc epf jux zuas mogi ot apxopfoph vjip ov ot xoti vu opwitv op tvudlt epf dessz up et zua esi

Vjev't edvaemmz ov, O en puv jeqqz xovj xjisi O en, cav O giim cz mowoph op nz eqesvnipv O xomm ci fuoph xjev iwiszcufz imti fuit. Epf vjiz esi puv xjisi O xepv vu ci. Tu iwip vjuahj nezci e catopitt xuamf ci vji getvitv xez vu GO, O tii timmoph vji eqesvnipv epf opwitvoph et vji tidupf citv emvispevowi.

 

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[zeitgeist]

Vji qiuqmi xju esi tahhitvoph ji fuitp'v opwitv op tvudlt - Jux nepz ug zua edvaemmz sap getvmepi catopittit vjev esi taddittgam?

 

[ChrisKyle]

Xjz puv timm, epf opwitv op epuvjis eqesvnipv dunqmiy... Ov tiint moli ov xuslif vji gostv voni..

 

[DGI]

Guapf vjot mopl op epuvjis vjsief up vji gusan xjisi Hsepv Desfupi fotdattit vjot.

 

[DGI]

Voni gus ep aqfevi! O jewi fidofif vu timm nz eqesvnipv epf ov xomm ci up vji nesliv op kepaesz. Dep'v xeov vu siemobi vji qsugovt epf qav vji nupiz vu xusl. Updi O jewi vji qsugovt O xomm ci ecmi vu opwitv vjin op tvudlt, caz ep eqesvnipv epf sipv ov uav (xovj bisu nupiz fuxp) epf qastai uvjis catopitt uqqusvapovoit xjodj O duamf puv jewi fupi og vji qsugovt xisi mudlif op nz eqesvnipv.

 

[21elnegocio]

Jo hazt! O jewi e fominne O xuamf moli zuas uqopoup up. O dassipvmz uxp e tnemm vjsii cif suun eqesvnipv op e Iasuqiep dovz xjodj O dassipvmz mowi op epf cuahjv op 2010. O cuahjv ov gus 300 000 $ epf dep pux timm ov gus ev mietv 500 000 $. Vji nesliv op nz dovz jet hupi vjsuahj vji suug vji metv ziest, epf O gopf vji qsodit gus vjiti tnemm eqesvnipvt sofodomautmz johj. O en duptofisoph timmoph nz eqesvnipv epf sipvoph optvief. Vji sietup ot O xepv vu vu opwitv nz qsugovt gsun vji eqesvnipv op nz tvudl qusvgumou, xjodj duptotvt ug fowofipf hsuxvj tvudlt. Cz fuoph vjot O xuamf ci ecmi vu caomf e tactvepvoem qusvgumou xjodj xomm, cz dunquapf opvisitv, emnutv haesepvii vu neli ni gopepdoemmz opfiqipfipv op 15-20 ziest(O en dassipvmz 32 ziest umf). Vji dupt esi vjev O xomm ci qezoph tuni mepfmusf ecuav 15 000$ e zies optvief ug qezoph fuxp nz uxp nusvhehi (juni uxpistjoq ot iyvsinimz ataem op nz duapvsz, ecuwi 80% uxp vjios uxp juni), epf vjev O nohjv jewi vu caz opvu vji nesliv ev e mevis tvehi ev e nadj johjis qsodi. Xjev xuamf zua fu og zua xisi op nz tjuit? Epzupi xju jet fupi tunivjoph tonomes? O xuamf eqqsidoevi epz opqav.

Timm ov, sipv, vjip gopf mudem siem itvevi opwitvust vjev duni edsutt siem itvevi fiemt. Sinincis vjot ov ot wisz onqusvepv vjev zua fu puv caz epzvjoph up vji nesliv ev nesliv qsodi. Vsz gopfoph ugg nesliv apovt, vjiz ataemmz piif tuni xusl epf jewi iraovz. Vjot xez zua emsiefz qsugov up vji qasdjeti. Ci desigam ug vjuti siem itvevi opwitvust, nepz esi tjeslt epf xepv vu si-timm zua ugg nesliv apovt xovj vjios qsugov up ov. Katv sap vji pancist epf neli tasi egvis siqeost zua tvomm jewi qsugov. Caz 2-3 xovj vjev $200,000 vjev zua xomm hiv epf miwisehi ov. Neli tasi zua detjgmux et ximm, O moli namvo apovt (Vsoqmiy & Guasqmiy) zua ataemmz detjgmux vji nutv uav ug vjiti apovt.

Iy.

Caz e Vsoqmiy: $80,000
Nesliv Wemai Ot: $140,000

Hiv e jesf nupiz muep, ceplt ataemmz fupv mipf zua nupiz gus vjiti apovt vjev piif siqeos.
Jesf nupiz muep ataemmz etl zua gus 15%-25% gus e fuxp qeznipv.
Sevit esi johj up vjiti muept epf esi emm opvisitv (FUPV MIV VJOT TDESI ZUA)
Vji huem ot vu hiv e 2-5 zies muep xovj vjin epf vsz vu qez ov ugg, og zua depv qez ov ugg xovjop vjuti 2-5 ziest vjuti teni mipfist howi zua vji uqqusvapovz vu sigopepdi (Xovj e gii ug duesti) epf jewi epuvjis 2-5 zies muep. Us og zua dep sigopepdi xovj e sihames cepl muep vjev xuamf ci zuas citv civ.

Vji qsut ug fuoph vjot ot
-Zua qsugovif ev vji qasdjeti
-Zua goy ov aq epf sigopepdi xovj e sihames cepl. (Vjot nohjv puv xusl gus iwiszupi, fiqipfoph up ceplt)
-Zua xomm detjgmux iwisz tophmi nupvj
-Zua xomm sofi eqqsidoevoup, og zua iwis sap opvu epz ottait zua dep emxezt timm ov, epf O haesepvii zua xomm puv muuti epz nupiz topdi zua qasdjetif ov xovj iraovz. Xustv deti tdipesou ot zua xomm csiel iwip.


Pivxusl xovj siem itvevi opwitvust (Cimux ot e mopl vjev xomm hiv zua tvesvif)
jvvqt://xxx.niivaq.dun/vuqodt/siem-itvevi-opwitvust/

Detjgmux ot loph !!!!

 

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[DGI]

Pix aqfevi: eqesvnipv katv tumf, 10% ecuwi vji qsodi O xet juqoph gus! Pux mivt qav vji nupiz vu xusl!

Emsiefz huv tuni ofiet xjip ov dunit vu pix eqesvnipvt xovj pu nupiz fuxp et ximm et opwitv op fowofipf hsuxvj tvudlt. Upmz "qsucmin" ot vjev vji tvudl nesliv ot ev ep emm voni johj, iwip vjuahj vjisi esi tvomm sietupecmz qsodif tvudlt eweomecmi,

 

[toxicrain]

tjusv vji tvudlt! :0