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Stock Market Analysis and Personal Finance

Explore direct and indirect real estate investments, tax incentives, advantages, and disadvantages in personal finance. Learn about leveraging and diversification in home ownership. Discover how real estate compares to inflation in the market.

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Stock Market Analysis and Personal Finance

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  1. Stock Market Analysis and Personal Finance Mr. Bernstein Real Estate Investment, pp 352-360 November 2018

  2. Stock Market Analysis & Personal Finance Mr. Bernstein Direct Real Estate Investments Purchase of legal title to property Is your home an investment? Can a vacation home be an investment? Rental units – duplexes, storefronts, apartments, etc. The US Government offers tax incentives to purchase many types of real estate

  3. Stock Market Analysis & Personal Finance Mr. Bernstein Indirect Real Estate Investments Limited Partnership (no longer carries former tax advantages) REITs Profits from Real Estate operations flow through to holders pre-tax Often pools of investors and diversified portfolio of assets Often trade on an exchange like a stock or ETF

  4. Stock Market Analysis & Personal Finance Mr. Bernstein Advantages and Disadvantages of Real Estate (+) In theory, will rise with inflation (+) You may have personal information about properties that most potential investors do not (+) Indirect investments provide diversification and limited liability (+) Lenders allow considerable leverage – 50-75% not uncommon (+) May reduce risk of overall portfolio (-) Direct investments are illiquid

  5. Stock Market Analysis & Personal Finance Mr. Bernstein Home Prices versus Inflation

  6. Stock Market Analysis & Personal Finance Mr. Bernstein Home Ownership has returned to pre-bubble levels

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