Stocks vs Real Estate 2025: Who Builds Wealth Faster?

STOCKS vs REAL ESTATE in 2025 — who actually wins?
In today’s episode of The Property Code, I put two real investors— Grant (index funds) and Denise (rental property) — head to head over six years. Same starting capital, totally different playbooks. The data may surprise you.
#RealEstateVsStocks #WealthBuilding2025 #ROI #Leverage #IndexFunds

Key Takeaways:
• Leverage can 5x equity exposure—but also magnify risk
• Real estate’s tax shelters (depreciation, cost segregation) reshape ROI
• Stocks scale liquidity + diversification but lack direct cash-flow control
• Your real edge = aligning risk tolerance, time horizon, and effort level

Timestamps
00:00 Intro—why this debate is everywhere
00:29 Meet Grant & Denise (two strategies, one question)
00:59 Should you buy property or just load up on index funds?
01:34 Denise’s rental story: occupancy, cash flow, surprise demand
02:07 Crunching 6-year total returns like engineers
02:42 The leverage factor (5:1 LTV math)
03:14 Mortgage interest, taxes & 27.5-year depreciation perks
03:46 Cost segregation & paper losses: offsetting rental income
04:17 Fractional RE / tokenization: $1K slices of apartments
04:51 Supply shocks vs corporate profit cycles
05:25 Dividend hikes vs rent bumps—what compounds faster?
06:01 Worst-case modeling: crashes, vacancies, rate spikes
06:32 Risk tolerance, liquidity needs & “no 2 AM toilet calls”
07:04 REITs & other passive hybrids (rent-backed dividends)
07:36 HSA + index funds: hidden tax alpha
08:07 Wrap-up

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