Regrets - London property VS shares

Crashy_Time

london21 said:

dw4518 said:

I regret that I've had a large chunk of money in London property instead of the stock market, for the last couple of years.

I should have sold after Brexit but didn't know what to do and hung on through 2017/18 and then the house depreciated in 2019, then covid hit. My rental yield is only 4% after tax and I think I would have made far more in the stock market around 8% at least - in hindsight!

I'm planning to sell the house this year and put the money in shares. But I wish I'd sold in 2017, or even in 2019 at the depreciated values.

Anyone got a similar experience or agree/disagree that Shares > London property? My only positive is that my tenants are lovely and have been there for years and the house has been easy to manage. I am an accidental landlord after moving in with my husband so never wanted to rent property in the first place.

It is easy to look back and say should have done this and that. Do bear in mind that a lot of people who invest in shares lose money by buying high and selling low.

Tracker funds are possibly more stable and long-term yield stable returns.

I personally prefer property/funds to shares but depends on your strategy, age, motivation etc.

In the past i had a sharesave plan which yielded great returns but did not sell and now dropped in value so all assets do fluctuate.

I think some recent property buyers will be doing the same TBH.

CKhalvashi

I look at decisions made in the past and think they would have been better done differently, but the reality of the situation is that you are where you are and need to look at the facts of the current situation.

I don't have a crystal ball, so can't predict what you (or I for that matter) should do in the future. I'm betting on certain events happening or not happening with current investment plans, however nothing is guaranteed and therefore it may work as planned, may take a bit longer to hit financial targets.

Crashy_Time

The great thing about shares is that you can dump them fast if things go South, you just can`t do that with property.

CKhalvashi

Crashy_Time said:

The great thing about shares is that you can dump them fast if things go South, you just can`t do that with property.

Not with the type of shares I hold in majority. The companies involved get a lot more than just a bit of money though.

[Deleted User]

Crashy_Time said:

The great thing about shares is that you can dump them fast if things go South, you just can`t do that with property.

Sometimes it’s not worth dumping an investment when it goes south and crystallising a loss. Sometimes it’s better to weather the storm. What shares do have over property is liquidity for when you might need the money. 

london21

Crashy_Time said:

Hi london21 said:

dw4518 said:

I regret that I've had a large chunk of money in London property instead of the stock market, for the last couple of years.

I should have sold after Brexit but didn't know what to do and hung on through 2017/18 and then the house depreciated in 2019, then covid hit. My rental yield is only 4% after tax and I think I would have made far more in the stock market around 8% at least - in hindsight!

I'm planning to sell the house this year and put the money in shares. But I wish I'd sold in 2017, or even in 2019 at the depreciated values.

Anyone got a similar experience or agree/disagree that Shares > London property? My only positive is that my tenants are lovely and have been there for years and the house has been easy to manage. I am an accidental landlord after moving in with my husband so never wanted to rent property in the first place.

It is easy to look back and say should have done this and that. Do bear in mind that a lot of people who invest in shares lose money by buying high and selling low.

Tracker funds are possibly more stable and long-term yield stable returns.

I personally prefer property/funds to shares but depends on your strategy, age, motivation etc.

In the past i had a sharesave plan which yielded great returns but did not sell and now dropped in value so all assets do fluctuate.

I think some recent property buyers will be doing the same TBH.

Could be the case, only time will tell.

over time the price appreciates. Some instances people need their money and cannot afford to ride it out. 

london21

Crashy_Time said:

The great thing about shares is that you can dump them fast if things go South, you just can`t do that with property.

Could be at a loss. When a lot of people start dumping, prices drop. I remember a while back, I set a stop loss with HL and my shares got sold and then prices went up again. Takes a lot of emotional discipline to win the market. 

GeordieGeorge

dw4518 said:

I regret that I've had a large chunk of money in London property instead of the stock market, for the last couple of years.

I should have sold after Brexit but didn't know what to do and hung on through 2017/18 and then the house depreciated in 2019, then covid hit. My rental yield is only 4% after tax and I think I would have made far more in the stock market around 8% at least - in hindsight!

I'm planning to sell the house this year and put the money in shares. But I wish I'd sold in 2017, or even in 2019 at the depreciated values.

Anyone got a similar experience or agree/disagree that Shares > London property? My only positive is that my tenants are lovely and have been there for years and the house has been easy to manage. I am an accidental landlord after moving in with my husband so never wanted to rent property in the first place.

You can’t judge your decisions after the event like this, it makes no sense. No asset tends to move in a straight line, and looking at how you could have done better is pointless; you only know how that it’s better.

GeordieGeorge

Crashy_Time said:

london21 said:

dw4518 said:

I regret that I've had a large chunk of money in London property instead of the stock market, for the last couple of years.

I should have sold after Brexit but didn't know what to do and hung on through 2017/18 and then the house depreciated in 2019, then covid hit. My rental yield is only 4% after tax and I think I would have made far more in the stock market around 8% at least - in hindsight!

I'm planning to sell the house this year and put the money in shares. But I wish I'd sold in 2017, or even in 2019 at the depreciated values.

Anyone got a similar experience or agree/disagree that Shares > London property? My only positive is that my tenants are lovely and have been there for years and the house has been easy to manage. I am an accidental landlord after moving in with my husband so never wanted to rent property in the first place.

It is easy to look back and say should have done this and that. Do bear in mind that a lot of people who invest in shares lose money by buying high and selling low.

Tracker funds are possibly more stable and long-term yield stable returns.

I personally prefer property/funds to shares but depends on your strategy, age, motivation etc.

In the past i had a sharesave plan which yielded great returns but did not sell and now dropped in value so all assets do fluctuate.

I think some recent property buyers will be doing the same TBH.

Given how bad your predictions have been on the property market over the last decade I think people will give that view the appropriate weight.

At what point are you going to admit to yourself that you have no idea about property values, and are simply basing your “predictions” on what you hope will happen?

GeordieGeorge

CKhalvashi said:

Crashy_Time said:

The great thing about shares is that you can dump them fast if things go South, you just can`t do that with property.

Not with the type of shares I hold in majority. The companies involved get a lot more than just a bit of money though.

What shares do you hold that you can’t easily sell?