What can we finance?

I find both very flawed. On the stock market, you have to actively manage your portfolio to achieve these returns. There is also a risk of loss up to total loss and default risk (yes, even with ETFs, see Lehman). With real estate, you constantly have to patch things up when something breaks down; after 10-15 years, new investments start — how are these embedded? The topic of the stock market is close to my heart. As a banker, I have fallen on my ass like many of my colleagues. When young guys talk again about dream returns, I smirk. And when you need money, the prices are down... well.

You don't have to actively manage ETFs.

Otherwise: A total loss should not happen with sufficient diversification. But if you have -50% in a crash and then need cash, you really have a problem.

But the mentioned return I have experienced as real. It also consists of historical facts.

Awesome how this thread was hijacked.

You don't have to actively manage ETFs.

Otherwise: A total loss shouldn't happen with sufficient diversification. But if you have -50% in a crash and then need cash, you really have a problem.

But the mentioned return I have experienced as real. It also consists of historical facts.

Bold posting. So you achieved these returns passively? Meaning bought once, never actively managed buying and selling, and then realized? On the stock market you always have to actively manage or you have too much money and time. Then you can buy blues and leave them for years.

No, you can hold accumulating ETFs passively. No, you don’t have to manage anything actively all the time. Buy & hold and check twice a year. It works.

No, you can hold accumulating ETFs passively.

No, you don’t have to manage anything actively all the time. Buy & hold and check twice a year. Works.

And then such high returns? No way. The stock market is very time-consuming and not a one-way street. Anyone who claims otherwise has no clue.