The housing market often reflects what’s happening in the economy. When times are good, there’s money in the economy to invest in housing. If times get tough, the Federal Reserve may intervene to reduce the pool of spending money. Unfortunately, when the Federal Bank starts looking at the possibility of an interest rate hike, it usually means there are leaner times ahead for homeowners and real estate investors alike. Keep reading to learn more about how the local economy influences the real estate market.

How Does the Federal Reserve Determine Interest Rates?

Many factors will cause the Federal Reserve / Central Bank to fiddle with interest rates. In general, though, it’s the state of the economy that determines the interest rate.

High interest rates make credit and mortgages more expensive, reducing the amount of money circulating in the local economy. Of course, some areas are harder hit than others when interest rates change.

The top end of the market takes a heavier hit due to significant price differences. After all, one percent of one million is a lot of money, but 1% of $400,000 can hurt more for lower to middle-income earners, which is the demographic where mom and dad investors have most of their finances tied up.

Why Are Interest Rates Critical to The Real Estate Market?

Interest rates influence the value of a property. When interest rates go up, credit gets more expensive, and property buyers’ borrowing capacity decreases. Buyers who may have been considering properties close to the city will need to look further out. In these cases, appealing suburbs outside the CBD can suddenly benefit from higher values.

Housing Starts Versus Home Sales

The housing market has two main sectors: home sales and housing starts. Home sales include established homes, while housing starts refer to new homes that have not yet been built.

The volume of housing starts, usually in brand-new suburbs with the latest, most up-to-date infrastructure, increases when the economy is full steam ahead. After all, who doesn’t love a brand new, shiny home that’s never been lived in before?

Housing starts will influence the local economy in many ways, including employment, land sales, raw building materials, and the businesses and support services that grow up around new suburbs. A weaker economy usually creates a corresponding drop in new home sales and a slight uptick in the sale of established homes.

Slow economies can have a dramatic effect on the housing market. Economic slowdowns influence the local economy as finance gets more expensive and the number of buyers in new home builds dries up. The reverse is true in a healthy economy.

Whatever the state of the real estate investment market, you can always find lucrative opportunities when you know where to look. However, it can be challenging to know where to put your investment dollars when you are not immersed in the property industry every day. Invest with confidence by talking with the experts who have successfully navigated the property market and consistently come out on top.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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Many investors regard real estate as one of the best strategies to hedge against inflation because property prices over any given decade tend to trend upward. This article will discuss why inflation occurs and how it can affect your real estate investments.

What is Inflation?

The economy is dynamic, and many variables will impact inflation. However, at its core, inflation is a measurement of the increase in prices of goods and services over a period of time, including real estate costs and rent prices.

Inflation is influenced by the amount of money circulating in the economy. When more money is available, prices tend to rise, but there is also the expectation that prices will always go up eventually. A more straightforward way to think of inflation is that the dollar’s purchasing power degrades over time.

Real estate creates a reliable buffer against inflation because property prices increase over the long term. Investors also gain an advantage through cheaper interest rates and the ability to increase their yields by rising rental prices in line with inflation and supply and demand.

Why is Property a Reliable Asset Against Inflation?

Real estate investment is a long-term strategy. Property prices can fluctuate in the short term like any investment vehicle. However, holding an investment property over the long term is when the magic really happens.

As property prices rise, the original mortgage repayments remain reasonably stable. Of course, the Fed can make repayments more or less affordable if it decides to get aggressive with its interest rate adjustments. Even so, your repayment responsibilities will tend to balance out over the long term.

Rising property values are often matched by increases in rent. Should you keep a property for ten or more years, the value of the rent you can charge may have doubled, but your mortgage repayments will be similar to when you first bought the property. You will have effectively increased your rental yield two-fold or more.

Such increases in yields are difficult, if not impossible, to match in other investment vehicles. Plus, you also have the advantage of a significant increase in equity, as property values can often double or more over a decade.

In short, a long-term real estate investment strategy is an excellent hedge against inflation.

Investors can take advantage of lower interest rates to purchase property that will increase in value over time, often at higher rates than inflation. They can also pass on inflationary costs to tenants in the form of higher rents and profit from capital gains in property prices over the long term.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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Investing in a mutual fund might seem logical. It’s an opportunity to let a seasoned investor decide where your money goes, and typically, the investments made by a mutual fund are fairly diverse. That is to say, they fall into a variety of markets, and as such you can feel protected. If one market doesn’t pan out, perhaps one of the other ones will.

A lot of experts say that diversification in your investment portfolio is a good thing, and to a certain extent, they’re right. Investing in, say, only one stock, is a bit of a dangerous move, because what if that stock crashes? But diversification can also be very dangerous.

If you invest in a mutual fund that invests in a hundred different companies, that doesn’t necessarily mean that you’ve reached optimal diversification. A lot of mutual funds invest specifically in a single industry, which means that you still face many of the same problems you would if you only invested in a single company. And what about mutual funds that invest in multiple industries?

At that point, you run into a problem of overdiversification, which is sometimes, adorably, called “diworsification”.

If your money is in a million different companies, keeping track of how all those companies are doing is a nightmare. Another problem is that investing in a lot of companies means having to own a lot of stocks in each of them, meaning that you have to put in quite a bit of cash up front. And perhaps one of the biggest issues with overdiversification is the fact that having your cash scattered in all directions means that even if one stock is performing well, you still might not make money after you account for how another market is doing.

Now let’s think about another investment: real estate. It might seem on the surface that real estate is an investment inherently lacking diversity, but the truth is, there are all kinds of real estate. You can invest in single family homes, multi-family dwellings, or office properties. You can invest in different parts of your city, or even in other cities. There are plenty of ways to have diverse real estate investments, and yet it would be really difficult to run into a problem of overdiversification, because it’s all real estate.

Real estate is a reliable, steady investment. Everyone needs it, and so it’s not going anywhere. This is just one of the many reasons real estate could be the right investment choice for you.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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Stocks are probably one of the first things you think of when you think of investing. The stock market is a big, well-known path of investing.

But just because something is popular doesn’t mean that it’s the best thing! Stocks, like any investment, come with a set of downsides that you’d be a fool to ignore. Today we’re going to talk about just how risky the stock market can be.

The stock market is controlled by supply and demand like any other market. That’s just the way it goes in the economy. But the stock market can move fast — too fast to keep up with. A stock can crash in a few months, if not weeks, if things go south for the market. And there are so many ways things can go wrong.

If people stop buying iphones, what do you think your Apple stock is going to be worth? It all comes down to how much the company itself is worth, and that depends on the economy at large. When things start dipping, as they have throughout the year 2020, then the stocks go down with them. You simply can’t rely on most stocks to not flake out on you.

And what about the long term? A company that made, say, the tapes for answering machines might have been doing great in the eighties, but how well do you think they’re doing now? Most companies don’t live to see their hundredth anniversary. The sad truth is that most things eventually become obsolete, and with technology advancing faster and faster by the day, that’s a bigger risk than ever

So, why not invest in something steady? Something people are always going to need? There are a few things that are simply necessary for human life, and one of those is shelter. Real estate is never going to become obsolete. As long as there are people, those people are going to need a place to live, a roof over their heads. Furthermore, real estate is a relatively stable market — even when it goes down, it doesn’t do so as rapidly or dramatically as some other markets do.

If you’re thinking of expanding your portfolio, think about real estate before you start looking at the options in stocks. It’s an essential asset you can count on to provide a prosperous future for you and your family.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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Everyone wants to increase their wealth; however, it can take some time to figure out how to make that happen. Many look to mutual funds and real estate for investment opportunities. Perhaps they know somebody who has seen success from one of these methods. 

Still, the question remains: which of these investments is the better option? The first step to answering this question is to understand what each option entails:

Mutual Funds vs Real Estate

To put it simply, a mutual fund is a hodgepodge of investments pooled together by many different people. Mutual funds may include stocks, bonds, and various other types of assets. Professional money managers oversee these funds. As such, they make the calls on what to do with the money to see that multiplies with time. While some investors may prefer this hands-off approach to investing, it has some disadvantages. Perhaps most notably, there are quite a few middlemen in the process.

Real estate investments are a little more straight-forward. Real estate investments involve purchasing property for profit. This often involves renting the property out to tenants, which results in the collection of revenue from rent. The increase of the real estate’s value over time can also provide revenue. Unless an investor chooses to hire a rental property manager, the sole responsibility of the real estate lies upon the investor. This increased responsibility calls for a more hands-on approach, but results in more control over the investment and involves less risk.

JD Esajian, president of CT Homes LLC and national speaker with FortuneBuilders Inc., explains that “real estate continues to be one of the most popular investment strategies for protecting and growing one’s wealth. Combined with the enticement of generating cash flow, investing in real estate also opens a treasure chest of tax advantages.”

Some tax advantages include:

• Deductions
• Passive Income & Pass-Through Deductions
• Capital Gains
  • Capital gains are the profits homeowners make when they sell their real estate property.
    • Holding property for more than one year before selling is the most beneficial option presented to an investor, as it calls for a lower tax rate to be paid by the investor
• Depreciation
• 1031 Exchange
• Tax-Deferred Retirement Accounts
• Self-Employment/FICA Tax
• Opportunity Zones

Mutual funds do not offer these same tax benefits. In fact, mutual funds face many challenges that real estate investments do not. Some cons presented by mutual funds are:

• High fees
• Tax inefficiency
• Poor trade execution
• Potential for management abuses

Why Real Estate Comes Out on Top

Real estate offers more control over the investment, whereas mutual funds rely on complete trust in the money manager. It also has the potential to bring in more revenue than mutual funds thanks to tax benefits that mutual funds do not share. The obvious conclusion is that real estate investments are a much better option than that of mutual funds.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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Looking for a way to make extra money over time? If you have the means to do so, investing is always a good idea– as long as you’re making smart investments. Making risky investments in cryptocurrencies like Bitcoin can certainly be thrilling, and it’s definitely become somewhat of a fad in recent years; it seems like everyone and their mother has money in some sort of cryptocurrency at the moment. But you should think twice before putting a significant amount of your savings into cryptos, no matter how good of an idea it seems in the moment. That’s because it doesn’t have any tangible backing, among other reasons.

If you’re looking to make a more promising investment, real estate investments could be one great and much safer, more tangible option. If you’re not quite convinced yet, just put down the DogeCoin for a second and let us explain why cryptocurrency comes up short when compared to real estate. 

Cryptocurrency and its risks

Your first question might actually be what, exactly, cryptocurrency is and how the infamous process of investing in it works. Essentially, a cryptocurrency is an electronic currency that does not physically exist, but still holds worth. The value of cryptocurrency goes up and down based on how many people are purchasing it– it’s all about supply and demand. So, if you buy cryptocurrency at a low price, you may be able to sell it for more money once it becomes more valuable. The key word here is may.

One of the risks of cryptocurrency is that it’s extremely volatile. What seems like a good investment one day could be thousands of dollars wasted the next. And while most investments come with the risk of losing your money, cryptocurrency poses another unique risk due to its intangibility. Cryptocurrency isn’t backed up by any physical assets– it’s all electronic. That means it’s susceptible to glitches, errors, and hacking. 

Real estate investment and its benefits

Meanwhile, real estate is one highly tangible asset that offers a much safer investment– it definitely has a physical form to back it up! It’s a whole house! While the fact that property can’t be hacked like cryptocurrency can is a huge plus, real estate investments also offer tons of other benefits: great, steady cash flow, tax breaks and deductions, and steady appreciation in value. It also comes with competitive risk-adjustment returns: over the past 50 years, the average annual return has been about 11%. 

While real estate is a long-term investment, the overall return will be worth the wait. Overall, it offers long-term financial security and a nearly guaranteed great return. This, along with its tangibility, makes it a more secure option by a landslide when compared to cryptocurrencies.

So before you jump on the next big cryptocurrency bandwagon, really think about the risk you’re taking and ask yourself if that money could be better spent on real estate. Sometimes it’s best to play the long game. Happy investing!

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/

We all want to use our money wisely. For those of us with a little extra to spare, you might consider investing in real estate. If you’re stuck between investing in real estate and saving your money, here’s a quick guide to help you.

Keeping Money in the Bank

A lot of people choose to take their extra money and put it in their savings account. While they don’t get much back in return, they won’t lose any money. Most people figure that it’s easily accessible if they need it in the future. 

However, you miss out on the chance to make even more money if you keep it stashed away. You might earn a little bit of interest (though it’s usually less than the rate of inflation), but investing in real estate could earn you a lot more. 

Investing in Real Estate

Real estate has always been a favorite investment for people that want little risk and high returns. While it requires more money and time at the start, the passive income stream and possibly considerable appreciation more than makeup for it. 

The biggest reason to invest in real estate is the tax benefits. You can receive lots of deductions, saving you anywhere from hundreds to millions each year, and you’ll still be earning through passive income. Here are some of the ways your real estate investment can get you tax benefits. 

Depreciation

The IRS allows you to list depreciation as a deductible expense on your taxes. Anything that depreciates, including real estate, can be counted for a depreciation deduction.

Pass-Through Deductions

Pass-through deductions are covered under the Tax Cuts and Jobs Act. Some business owners, including those who earn rental income, can deduct up to 20 percent of their net income from their taxes. 

Capital Gains

With a real estate investment, you have the option to pay capital gains tax rather than income tax, which is typically more expensive than capital gains.

Retirement

Some retirement accounts, like an HSA or an IRA, allow you to invest in real estate tax-deferred or tax-free.

Opportunity Zones

Opportunity zones offer reduced or eliminated taxes for real estate investments in the country’s most rural and distressed areas.

Why Real Estate Wins

If you’re trying to figure out what to do with your money in the long-term, invest in real estate. You’ll earn and save a lot more than you would if you keep it in the bank. The tax benefits alone are enough to show that real estate investments are the way to go. 

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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With rising inflation rates and unprecedented costs of living, choosing the right investment strategy is paramount. Thanks to its wide availability and flashy draw, many new investors look to gold as a viable investment option. Unfortunately, due to its impracticality, poor long-term returns, and declining demand from new generations, most seasoned investors advise to steer clear of gold. Here is what you need to know:

Gold Depreciation Over Time 

Turbulent economic conditions allow investors to reflect on their current investment portfolio. Out with the (g)old, and in with the new! 

Rare earth metals and crop production have shown their hand in the history of investment. While generations ago it was a coveted resource, over time, gold has lost its draw to newer investment options. Emerging generations simply do not value it as readily as do older generations.

In contrast, real estate is a tried and true method with diverse options for property investment. From residential rentals, to industrial real estate, and even vacant land, real estate is a trusted resource for current and emerging market trends. 

Investors also have to consider the instability and decrease in value of other precious metals and goods. A 2019 study of metal sector deals revealed that coal was actually the primary revenue contender of global mining, with gold coming in second to last. 

This decline in demand may partially be attributed to an eco-friendly global mentality. Mining has taken its toll on the environment as a whole, leaving a hole in the pockets of the future stability of an investment in rare earth metals. 

Erosion, deforestation, and excessive water use all make gold an unsustainable investment choice for the environment. This makes sense when you consider that many have rallied for the preservation of earth’s most precious resources: Earth itself. 

Looking to the Future 

With the onset of work-from-home measures and rampant pandemic precautions, space is a necessary resource for buyers. Moira Taylor, co-owner and CEO of Taylor Made Realty in Atlanta suggests, “Investors should consider the suburbs of major metropolitan areas, as they’re an ideal investment and have seen an increase in buyer demand in places like Atlanta, New Jersey, San Francisco and other major city suburbs.” Investors are taking advantage of these changing trends, and focusing instead on the buying potential of modern real estate. 

As buyer choices change, so too do investment decisions. Whether you’re looking to invest in vacation rentals or you’d like to construct from the ground up, there’s a real estate opportunity for you.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/

Gold has been around for centuries. From ancient royalty to present-day investing gurus, plenty of people choose gold as an investment. That many people can’t be wrong, can they?

Well, as it turns out, gold may not be such a golden choice after all. On the surface, it may seem harmless, lucrative even. However, when you look closely, you might start to notice that there are a lot of reasons that gold isn’t quite the excellent investment people have believed it to be for so long. 

Here is why:

A Market Steeped in Instability?

Let’s cut right to the chase. The gold market is simply not stable. That might seem strange, because most people associate gold with prestige and wealth. You figure that it is surely in high demand. Why would its price fluctuate wildly, if everyone wants it?

As it turns out, gold prices move with the economy, like any investment does.That said, gold also crashes harder than some other investments because it doesn’t really serve any purpose, at least not in the way it used to when currency was backed by it.

People like gold, but generally speaking, they don’t need it. It’s a market that people invest in when they’re afraid of paper currencies going under, but its value doesn’t come from it being useful or necessary for society. 

Why Real Estate Glimmers

With that in mind, maybe gold isn’t the right investment. Its instability makes it unreliable—you can’t count on gold to weather through a tough economy with you. So, what’s another investment to consider, if you can’t count on this classic?

Let’s take a look at another thing that people have trusted as an investment for centuries: land, property, and real estate. People have been profiting from owning property for as long as there have been people. Since folks actually need places to live and work, it’s a market that’s never going to go away as long as there are humans on the planet. 

Now, the real estate market does have ups and downs of its own, just like gold or any other investment. Overall, however, it’s a much more stable option. Why? Because the demand for safe housing and attractive corporate property remains constant for the most part.

Putting your money behind something necessary is a good safeguard against turbulence in the economy. You can’t always count on your coins, but real estate? Now that’s a smart investment.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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When most people think of investing, the first things that come to mind are the intangible, particularly stocks and bonds. While many people may not understand its more complex innerworkings, most have some idea about what investing in stocks entails. But what about bonds, and are bonds sound investments, especially when compared to more tangible investments like real estate? In this article, we will consider these questions carefully.

What is a bond?

To put it simply, a bond is a type of loan whereby an investor gives money to a company, an individual or the government. In exchange, these parties promise to pay back the loan by a specific date, along with regular interest. 

On one hand, bonds are typically a lower-risk investment than other more common types, especially stocks. When you buy a bond, you understand the terms and conditions from the very start and so will not likely encounter any unpleasant surprises.

That said, because they are low-risk, bonds tend to be low-yield investments unless  specified otherwise. While there is usually clear risk involved, real estate often yields higher returns while also building equity. 

Real estate builds equity in many ways. This could be through debt decreasing or property value increasing. In contrast, the gains you reap from bonds will be predictable and consistent but generally unremarkable. Additionally, bond returns do not respond well to inflation. 

 Real estate, however, is by nature dynamic. It responds to the market, which means when prices go up, so does the value of your units. When you own several apartment buildings and demand for housing in your city is on the rise, you can expect to earn more from each of your units. 

In sum, the higher yield, increased stability, and long-term benefits of investing in real estate prove better and more worth your investment than bonds. 

How do I invest in real estate?

There are many ways to invest in real estate. While there are intangible options like real estate investment trusts, many find it rewarding to actually manage the properties for themselves by renting them out, overseeing their maintenance, and so on.

Investing in real estate can be done through investment in rental properties or flipping property you’ve invested in. Perhaps the best way to start into real estate investment is by renting out part of a home, even if it’s just part time through a platform like Airbnb. 

For more guidance, reach out today. I want to hear from you!

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/

Investing in Real Estate vs. Banking Your Money: Why Real Estate Keeps Your Money Working For You

Here’s a question you might have been asking yourself: Is it better to invest your money, or hold onto it by keeping it in the bank?

There are so many old adages about money and investing, and perhaps the most important and relevant one? “Make your money work for you!” Another common phrase is “You have to spend money to make money!”, and that’s what’s at the center of the answer to this question. These sayings may be well-worn at this point, but they hold some truth.

When you leave your money in the bank, it does very little besides just sitting there. Sure, having a big number on your account balance looks nice, and it is useful to have some liquid assets you can tap into, but if you’re looking to really pump up your net worth, you’re going to need to put your money into something. You’re going to need to invest.

There are a lot of options for you when you set out to start investing, and real estate is one possible investment. It’s a popular choice, and for good reason.

Why Real Estate Does the Job

Real estate is an evergreen investment, because it has tangible, actual, inherent, and real value. People are always going to need places to live, and so, as long as there are people, there’s a demand for real estate.

When you leave your money to languish in the bank, you’re trading the chance to have a tangible asset to your name for a bigger number on your account statements. That number is nice to look at, but you know what’s even nicer? Being able to drive past an apartment building, knowing that it’s yours, that it’s making you money, and that you made the right choice.

When you’re deciding what to do with your money, it’s worth remembering that doing something with it—anything, really—is how you make a profit. Money sitting in the bank isn’t doing you any good. But investing in real estate, thus using your money to make more money? Utilizing your intangible monetary resources in order to put your name on something real and eternally valuable? Now that’s smart.

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/
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Looking for a way to make extra money over time? If you have the means to do so, investing is always a good idea– as long as you’re making smart investments. Making risky investments in cryptocurrencies like Bitcoin can certainly be thrilling, and it’s definitely become somewhat of a fad in recent years; it seems like everyone and their mother has money in some sort of cryptocurrency at the moment. But you should think twice before putting a significant amount of your savings into cryptos, no matter how good of an idea it seems in the moment. That’s because it doesn’t have any tangible backing, among other reasons.

If you’re looking to make a more promising investment, real estate investments could be one great and much safer, more tangible option. If you’re not quite convinced yet, just put down the DogeCoin for a second and let us explain why cryptocurrency comes up short when compared to real estate. 

Cryptocurrency and its risks

Your first question might actually be what, exactly, cryptocurrency is and how the infamous process of investing in it works. Essentially, a cryptocurrency is an electronic currency that does not physically exist, but still holds worth. The value of cryptocurrency goes up and down based on how many people are purchasing it– it’s all about supply and demand. So, if you buy cryptocurrency at a low price, you may be able to sell it for more money once it becomes more valuable. The key word here is may.

One of the risks of cryptocurrency is that it’s extremely volatile. What seems like a good investment one day could be thousands of dollars wasted the next. And while most investments come with the risk of losing your money, cryptocurrency poses another unique risk due to its intangibility. Cryptocurrency isn’t backed up by any physical assets– it’s all electronic. That means it’s susceptible to glitches, errors, and hacking. 

Real estate investment and its benefits

Meanwhile, real estate is one highly tangible asset that offers a much safer investment– it definitely has a physical form to back it up! It’s a whole house! While the fact that property can’t be hacked like cryptocurrency can is a huge plus, real estate investments also offer tons of other benefits: great, steady cash flow, tax breaks and deductions, and steady appreciation in value. It also comes with competitive risk-adjustment returns: over the past 50 years, the average annual return has been about 11%. 

While real estate is a long-term investment, the overall return will be worth the wait. Overall, it offers long-term financial security and a nearly guaranteed great return. This, along with its tangibility, makes it a more secure option by a landslide when compared to cryptocurrencies.

So before you jump on the next big cryptocurrency bandwagon, really think about the risk you’re taking and ask yourself if that money could be better spent on real estate. Sometimes it’s best to play the long game. Happy investing!

About Terry Chved

InvestWithTerry.com have been actively involved in the GTA area real estate investing for a number of years.  Our mission is to provide quality housing for quality tenants, while at the same time providing an above average return on investment (R.O.I) for our investor partners and ourselves.  It is truly a win-win-win way of investing!

Terry offers his investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact Terry.

For more information about Terry and his investment program, please call (647) 228-1035 and email him at terry@investwithterry.com or visit https://investwithterry.com/