Your info about Index appreciation is wrong

Rental properties have many advantages, such as:

• Inflation-proof asset, slow but steady positive appreciation;
• Eligible for 1031 exchange, deferred capital gain payment;
• Refinance opportunities to minimize interest-related risks;
• Mortgage interest eligible for tax deduction;
• Property appreciation can be utilized for HELOC to take advantage of potential great investment opportunities;
• Rental payment is superior to covered call premiums without assets being called away;
• Gift rental properties to next generation without paying capital gain tax until sale of the properties, providing immediate cash flow for the children;
• And much more;

BTW, you present index appreciation incorrectly; Here is my calculation for various index CAGR (compound annual growth rate)

• DJI since 1970, CAGR is 7.12% as of today;
• SPX since 1970, CAGR is 7.31% as of today;
• IXIC since inception on 6/1/1973, CAGR is 10.03% as of today;
• NDX (Nasdaq-100) since inception on 1/31/1985, CAGR is 12.99% as of today;
• SPY (SP500) since inception on 1/29/1993, CAGR is 7.58% as of today;
• QQQ (Nasdaq-100) since inception on 3/10/1999, CAGR is 8.08% as of today;

Based on my calculation, your info about 標普500指數過去50年的平均年化收益率是11%。而自1986年成立以來，納斯達克100指數的平均年化收益率是17% is terribly wrong. If the baseline is correct, investment on rental property (10% CAGR) beats SP500 (aroung 7.5%) soundly;

所有跟帖： 

• 你是不是把通脹因素給扣除了？標普500指數7.3%的收益率，不符合史實。 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 12:10:36

• 曆史事實就是SP500公認的收益率是7%；這也是4%rule的理論基礎。 -Nerazzurri- ♂ (365 bytes) () 10/31/2023 postreply 12:28:17

• 4%後麵對應的是Balanced Portfolio, 大致一半是股票基金，一半是債券基金，綜合回報率7%。 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 13:30:59

• https://dqydj.com/sp-500-return-calculator/ -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 12:11:57

• 你需要考率Reinvest分紅 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 12:13:00

• All things considered, divedend re-investment -Nerazzurri- ♂ (246 bytes) () 10/31/2023 postreply 12:29:39

• 我不清楚你哪裏搞錯了。你可以用上麵的權威網站算一下。 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 12:33:00

• 那個網站我很久之前就用了。when compare things， -Nerazzurri- ♂ (138 bytes) () 10/31/2023 postreply 12:39:24

• 所有對股票基金的權威分析都是包括Dividend Reinvestment的。你可以另辟蹊徑，如果你能說服別人的話。 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 13:28:22

• 而且你要考慮到rental property is inflation-proof asset -Nerazzurri- ♂ (247 bytes) () 10/31/2023 postreply 12:36:48

• 股票後麵對應的是公司，也抗通脹的。 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 13:17:00

• 你可以給一個權威的投資房的年化回報率嗎？反駁別人，需要拿數據說話。 -矽穀居士- ♂ (0 bytes) () 10/31/2023 postreply 13:21:00

• 我不再繼續和你討論了。我覺得你沒有搞清楚基本的事實，這樣的討論是毫無意義的。 -矽穀居士- ♂ (81 bytes) () 10/31/2023 postreply 13:32:44