Well, here’s the truth: it depends on you—your goals, your timeline, your risk tolerance, and your financial game plan.

How Have These Investments Performed?

Over the last five years, Bitcoin’s up over 1,000%, the stock market has grown about 120%, and the housing market’s climbed around 50%. But let me be crystal clear—past performance doesn’t guarantee future results. The goal isn’t to chase the highest number. The goal is to understand how each of these assets works so you can build a strategy that fits your life.

Real Estate: My Favorite for Cash Flow and Control

Real estate makes up about 50% of my portfolio, and for good reason. You’ve got cash flow from rental income, appreciation in property value, and some amazing tax benefits. I’m talking about depreciation write-offs, 1031 exchanges, and the ability to refinance tax-free.

The downside? It takes a lot to get started—big down payments, ongoing maintenance, tenant headaches. And real estate isn’t liquid. If you need to sell, it could take months.

But I love real estate because I can control it. I decide the rent. I decide the renovations. And the tax benefits? Huge.

Stocks: A Low Barrier, High Flexibility Asset

Stocks are the easiest way to get into investing. You can buy in with just a few bucks. Whether you’re buying Apple, Amazon, or Chipotle, you’re getting a slice of companies you know and use. Plus, you’ve got options—go growth for big upside or dividend-paying for steady income.

About 30% of my portfolio is in stocks—some in dividend-paying ETFs for cash flow, some in high-growth industries for long-term upside. The thing with stocks is they’re totally passive. The company does the work—you just sit back and (hopefully) watch your investment grow.

But the stock market can mess with your emotions. One bad news headline, and people panic sell. That’s why financial education is so important—so you don’t get caught chasing hype or fear.

Crypto: High Risk, High Potential Reward

Now let’s talk about the wild child—crypto. It’s volatile. It’s risky. But it also offers something unique: decentralization, borderless transactions, and nonstop market access.

I’ve got about 18% of my portfolio in speculative investments—startups and crypto included. These are high-risk, high-reward plays. I’m not putting my life savings in crypto, but I’m not ignoring it either. If it pays off, great. If it crashes, my core investments are still solid.

Designing Your Personal Investment Strategy

Here’s what I always say: Personal finance is personal. Don’t copy me. Don’t copy Trump, Saylor, or Buffett. Figure out what works for you.

Start by building a strong foundation—stocks and real estate are time-tested. Once you’ve got that base, you can explore riskier investments like crypto.

I also hold 2% of my portfolio in physical gold as a hedge. It doesn’t make me rich, but it’s a long-term store of value and a piece of my overall plan.

Tax Benefits You Can’t Ignore

Especially in real estate, the tax game is strong. If you own a property worth $300,000 (building only), you can write off about $10,000 a year through depreciation over 27.5 years. You can also accelerate that depreciation in the early years to supercharge your tax benefits.

Then there’s the 1031 exchange, which lets you defer capital gains taxes when selling a property, as long as you reinvest in another property. That’s like compounding wealth without Uncle Sam taking a cut—at least for now.

The Emotional Side of Investing

Emotions ruin more portfolios than bad investments. With stocks, it’s easy to freak out and sell low. With crypto, it’s easy to chase hype and buy high. Even with real estate, some people overleverage and panic when the market dips.

That’s why I built Market Briefs—to help people stay informed, not overwhelmed. It’s a free daily newsletter that breaks down what’s happening in the markets so you can make smart money moves.

So What Should You Do?

Start with one. Learn it. Understand it. Then diversify. You don’t need to be a pro in every asset class—you just need to have a strategy.

And remember, wealth isn’t about bragging rights or going viral. It’s about building a life of freedom, flexibility, and peace of mind.

If that’s your goal, you’re already on the right path.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post Real Estate vs Stocks vs Crypto – Which Investment Is Best for You? appeared first on ROI TV.

Understanding the Stock Market

The stock market is a platform that allows individuals to purchase ownership stakes in companies, effectively enabling anyone to invest in the broader economy. This opportunity is accessible to all, regardless of educational background, income level, or demographic factors.

The Crucial Role of Financial Education

Financial literacy is essential for navigating the complexities of the stock market. A solid understanding of financial principles empowers investors to make informed decisions, enhancing their potential for success. Comprehending the reasons behind stock market dynamics simplifies the process of learning how to invest effectively.

The Economic System and Its Key Players

The economy comprises four primary participants: consumers, businesses, workers, and investors. Consumers spend money on goods and services provided by businesses, which in turn benefits both workers and investors. This system is structured to favor those with financial knowledge, particularly business owners and investors.

Inflation’s Impact on Finances

Inflation, the general rise in prices over time, has been a persistent economic factor and is expected to continue. It increases the cost of living, often outpacing income growth, making everyday expenses more costly for consumers. Conversely, investors may benefit from inflation as it can lead to higher revenues for businesses.

Tax Advantages for Investors

The tax system tends to offer more favorable conditions for investors and business owners compared to wage earners. Investors often experience lower tax rates and have access to various tax incentives that are not available to regular employees.

Strategic Stock Market Investing

Investing in the stock market is one of the most accessible methods to build wealth. Rather than attempting to pick individual high-performing stocks, investing in diversified funds or groups of companies can mitigate risk. Popular options include Exchange-Traded Funds (ETFs) like VTI, SPY, DIA, QQQ, and SPYD, which offer exposure to a broad range of companies.

The CPA Approach: Consistent, Passive, and Automatic Investing

Building wealth through the stock market is most effective when investments are made consistently, passively, and automatically. Establishing a system where a portion of your income is regularly invested into a diversified portfolio can lead to substantial long-term gains.

Types of Investment Funds

Investors can choose from several types of funds:

• Mutual Funds: Actively managed portfolios with higher fees.
• Index Funds: Passively managed funds that track specific market indices, typically with lower fees.
• ETFs: Trade like stocks on exchanges and can be either actively or passively managed, with varying fee structures.

The Importance of Fee Awareness

Investment fees can significantly affect returns over time. It’s crucial to understand the fee structures associated with different investment vehicles to make informed decisions and maximize net gains.

Conclusion

Financial education is the cornerstone of successful investing. By deepening your understanding of economic principles and adopting strategic investment practices, you can effectively navigate the stock market and build long-term wealth.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence

The post 98% of Investors Make This Mistake appeared first on ROI TV.