Anexinvest.com Review Is Anexinvest Scam or Legit Read Before Investing!

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Exness Review

Exness

Leverage: 1:30 | 1:1000

Regulation: CySEC

Min. Deposit: 1 US$

HQ: SVG, Cyprus, UK

Platforms: MT4, MT5

Found in: 2008

Exness Licenses:

  • Exness (Cy) Ltd – authorized by CySEC (Cyprus) registration no. 178/12
  • Exness (UK) Ltd – authorized by FCA (UK) registration no. 730729
  • Nymstar Limited – authorized by SFSA (Seychelles) registration no. SD 025

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Throughout your research on brokers and trading offering, it’s very important to choose the most reliable company, as well the one that suits your trading needs the best. For this reason, we assist in choices by reviewing brokers and checking information in a detail, to support selection and here is Exness Review among others.

What is Exness?

Exness is the brand name of the global brokerage firm that delivers its services through two main offices in Saint Vincent and the Grenadines and is a Cyprus Broker. The divided nature of the firm enables worldwide clients to enjoy tailor financial service and investment solutions, while the global brand delivers vast opportunities to the retail and mainly corporate solutions or partnerships, and the EU based company in Cyprus performs fully regulated services to the members within EEA and world. Moreover, the company expanded its global reach and established a UK-based entity Exness UK Ltd.

Actually, the broker has won numerous awards as a retail broker and therefore offers stable and reliable brokerage services with the comfortable trading environment created to suit the most demanding traders with their tight spreads and no hidden commissions from 0.1 pips. The trading process is delivered by the intuitive platform MT4 with a possibility to trade a number of CFDs and Futures on a range of markets.

Lastly, together with comfortable conditions for trading, you will get advanced support that brings customer service in 13 languages along with up-to-date financial news from Dow Jones, educational robust materials and Web TV with latest updates.

Moreover, the Exness takes an active role in social life, as well as acting as an honoured sponsorship partner with various organizations. Currently, Exness proudly sponsors the world’s number one football team, Real Madrid, and the best football player alive, Cristiano Ronaldo.

Nevertheless, to understand offering in a detail you should always check the most important information of the broker’s proposal. In this purpose this review covers the following highlights:

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Is Exness safe or a scam?

In order to protect invested funds, when selecting a company for a long-term partnership a professional trader should consider not only the company’s trading conditions. But also, most importantly, make sure that the company’s operations comply with the relevant country’s legal requirements and with internationally recognized financial standards.

Exness Group due to its presence in various countries and established offices regulated by necessary local authorities that also highly respected within the industry. Exness UK Ltd is authorized and regulated by the Financial Conduct Authority, while Exness CY Ltd holds a license from CySEC. Thus, the broker permitted to provide financial products or services within its activity in above mentioned countries and in another country in the EEA. Also, there is a license from an offshore Seychelles, which rather provides just registration than serious regulation, yet additional licenses from reputable authorities make things in Exness reliable.

Therefore, and due to operational standards that are set according to the requirements along with the customer protection, money segregation and participation in investor compensation fund or scheme. The EEA registration and the provision of services on a cross-border basis performed by authorization from cross authorities within Europe that makes Exness operation standards highly reasonable ones.

Exness Trading Platforms

The trading platform choice offers the selection between industry leaders MetaTrader4 and MetaTrader5 along with mobile trading platforms and MT4 WebTerminal that allows access through any device.

While both platforms are well known software in the industry, MetaTrader4 feature a convenient and functional trading platform that has been recognized by professional world traders and retail traders as well. While MT5 is a more developed version of the previous one with powerful features and new possibilities.

Since there are many traders who still prefer the MT4, both options are available along with the analytical service with free technical analysis from Trading Central, high-quality VPS hosting, economical calendars, quotes history and a constant monitor of the accounts. The most relevant news affecting the Forex market available from Dow Jones News, the leading provider of information in the world, hence included into the streaming line of the platforms. Meanwhile, all trading styles are welcomed making your strategy available and possible to be performed at Exness.

Exness Trading Costs

So engaging with Exness you can expect a fully-regulated and safe trading environment that allows to either open a demo account and test trading strategies or to open a live account to enter forex markets. The traders of world jurisdictions may be subjected to different account offerings that range according to regulation and compliance. The accounts available with more than 80 currency options while the company features instant payment options and offers Mini Account, Standard Account and ECN Account.

Moreover, there are additional features enables the Exness customers that bring the possibility to compete and gain valuable prizes in the Contests that performed from time to time. However, the traders’ residents of particular countries should check the availability and the possibility to engage on the official website.

Exness spread

As defined, Exness spread is based on tight variable spreads, which is defined by the account type as well. Mini Account Spreads are starting from 0.3 pips with no commission on trading volume, the Standard account costs based on tight spreads from 0.1 pips. And ECN account features raw spread plus the commission per trade. See some of the examples below for a better understanding of Exness costs, as well compare fees to another broker DF Markets.

Exness rollover

Also, always consider Exness rollover or overnight fee as a cost, which is charged on the positions held longer than a day. Each instrument charges different quote for overnight positions, which may be as a fee or a refund, see sample on some of the instruments above.

Exness Leverage

As the majority of Forex brokers, Exness also offers to use leverage, which may increase potential gains through its possibility to multiple initial accounts balance.

Leverage levels always depending on the instrument you trade, as well defined by the regulatory restrictions and your personal level of proficiency. Since FCA and CySEC along with its European directive miFID significantly lowered possibility for leverage levels, the maximum leverage you may use as a retail trader is 1:30 for major currencies, 1:20 for minor ones and 1:10 for commodities. Yet, a global entity of Exness may allow much higher leverage ratios up to 1:1000, which are also defined by the country of your origin.

And of course, always learn how to use leverage correctly, as leverage may increase your potential loses as well and is a different feature in various instruments.

Exness Payment Methods

Exness performs instant deposits and withdrawals with no commission charges using a number of electronic payment system that provides control over your account funding at convenience. The payment options including possibility to use either Bank Wire Transfers or major Credit Cards, as well as the e-systems Neteller and Skrill.

Exness Minimum deposit

What is more great, Exness does not require a specific amount at the beginning, so you will be able to start as small as 1$. Yet, check on the payment methods, as some of them set a minimum transfer amount.

Exness withdrawal fee

As been mentioned already, Exness does not charge any fees either for deposits or withdrawals. Nevertheless, check before any transfers are done with customer service in case there are any fees may be applicable, due to your country of origin or maybe by the payment provider himself.

Conclusion on Exness

Overall Exness review is about the transparent, fully regulated by various jurisdictions brokerage company that was recognized timely for its achievements and high operational standards. Apart from the availability of the Mini and Standard accounts that enables traders of any size to join, competitive trading conditions from 0.1 pips and range of markets so you get technical support from the industry-leading MT4 or MT5 platforms. Powerful features of the platforms bring the capability to trade effectively along with the secure environment and all trading styles accepted. Moreover, there are pleasant additions alike Trading Central services and free VPS hosting that rewards client even more, making all in all Exness as a choice to consider.

Yet, we would be glad to know your personal opinion about Exness, you may share your experience in the comment area below, or ask us for some additional information if required.

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One response to “Exness”

I deposited R2000 into my account and traded few loosing trades. Then after 3 loosing trades i entered a sell in usdcad which streight away went in my sell direction. As it goes my platform got disconnected then got connected in 5 minutes. When it came back my trade wasnt there anymore. Then i contacted them via a live chat to complain and they asked me for my login id which i provided. They said to me i did not place any trade that day ( which is today). I told them that i that this is the 4th trade i placed. And they asked me to double check my login ID which i did by loggin in the android mt5 and took a screen shot of the my login ID . With suprice i realised that the trade was closed as a loss which they started telling me that it hit my stop loss when i know that it was heading towards my teke profit. I was trading with trend line strategy and it didnt even cross my trend line by the time i was chatting to them. I emmidiately wetdrew the rest of my funds which i hope i will get.

1
Exness South Africa
#3 out of 14 in OVERALL
Based on our Rating of 14 brokers

Minimum Deposit
$1
Regulated with FSA, FCA (UK), CySEC (Cyprus)
Zero Spread in ECN account
Visit Broker
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Oinvest Review – is oinvests.co.za scam or good forex broker?

Trading Accounts and Conditions

Trading account Minimum deposit Maximum leverage Spread
Standard Not specified 1:500 0.7 pips

Oinvest is a South African forex and CFD broker that appears to offer a single account type with tight variable spreads, no commission fees and high leverage levels on the MT4 platform.

In addition, the broker provides a number of educational sources for beginner traders, such as e-books, training courses, webinars, tutorials, etc.

Oinvest Advantages

Licensed in South Africa

One of the strongest benefits of Oinvest is the fact that the company behind it, BASFOUR 3773 (PROPRIETARY) LIMITED, is regulated by the South African Financial Sector Conduct Authority (FSCA), the successor of the Financial Services Board (FSB). The FSCA is in charge of the licensing process and oversees financial service providers, which are required to keep all client funds in segregated trust accounts in a recognized bank in South Africa. The regulator also keeps a public register of Authorized Financial Service Providers, so that investors can look up whether a certain broker is FSCA-licensed.

Although regulation in South Africa is not among the strictest and most reputable ones (such as the one in US or Australia, for example), it provides a certain level of reliability.

Trading on MetaTrader 4

Another positive side of Oinvest is that trading is done on the widely used MetaTrader 4 (MT4), which most traders know well and like using. The reason for this is that the MT4 has an intuitive interface, solid charting, great analysis tools, and supports wide range of automated strategies, better known as Expert Advisors.

The trading costs at Oinvest also appear attractively low. The broker does not charge commission fees and the spread on EUR/USD is as low as 0.7 pips.

A wide variety of assets

Another advantage of this broker is the variety of trading instruments it offers for trade. Its product portfolio includes around 50 currency pairs (FX), as well as CFDs on stocks, commodities, indices, and cryptocurrencies. The list of the latter comprises popular coins such as Bitcoin, Ether, Ripple Dash, Bitcoin Cash, Bitcoin Gold, Monero and Litecoin.

If you are into cryptocurrencies, check out our list of reliable forex brokers that offer trading in Bitcoin.

High leverage levels

As most brokers who are not restricted by the laws applicable in the country of their operation, Oinvest provides high leverage levels, reaching 1:500. While such leverage ratios allow traders to open larger positions, while not investing large sums. That is why we consider it as an advantage, although leverage levels that high increase significantly the risk of losses.

Oinvest Disadvantages

Trading conditions not specified on website

Oinvest’s website does not contain any relevant information on its trading conditions, such as leverage levels, minimum initial deposit, spreads, etc. All decent forex brokers specify these essential trading details as a part of their transparent pricing policy.

Fortunately, demo accounts are available, so we were able to see the trading costs and the leverage ratios available.

Not available in many countries

It seems that Oinvest targets mainly local traders, as it does not accept clients from the United States, Iran, Cuba, Sudan, Syria, North Korea, Australia, Canada, Israel, as well as such from European countries.

Conclusion

Oinvest is a well-regulated South African broker that offers wide range of tradeable assets on the industry’s leading MT4 platform. While the trading conditions on demo accounts seem pretty attractive, they are not clearly specified on the broker’s website.

The situation with financial markets in South Africa seems promising, as this is the most developed country on the continent and has some sort of financial regulation. Nonetheless, the most reliable forex brokers regulated by the South African Financial Sector Conduct Authority are also licensed by other, more trustworthy financial governmental agencies such as UK’s FCA or Cyprus’s CySEC.

To sum up the above:

Pros Cons
Licensed in South Africa Trading conditions not specified on website
MT4 available Not available in many countries
Tight spreads
A wide variety of assets
High leverage levels
Broker Advantages

FXTM a regulated forex broker (regulated by CySEC, FCA and FSC), offering ECN trading on MT4 an MT5 platforms. Traders can start trading with as little as $10 and take advantage of tight fixed and variable spreads, flexible leverage and swap-free accounts.

Trading212 is a European broker with an excellent proprietary trading platform, which is now available as an iPhone app as well (we tried it out and we loved it). Trading 212’s customers enjoy fast execution a vast selection of trading instruments.

XM is broker with great bonuses and promotions. Currently we are loving its $30 no deposit bonus and deposit bonus up to $5000. Add to this the fact that it’s EU-regulated and there’s nothing more you can ask for.

FXCM is one of the biggest forex brokers in the world, licensed and regulated on four continents. FXCM wins our admirations with its over 200,000 active live accounts and daily trading volumes of over $10 billion.

FxPro is a broker we are particularly keen on: it’s regulated in the UK, offers Metatrader 4 (MT4) and cTrader – where the spreads start at 0 pips, Level II Pricing and Full Market Depth. And the best part? With FxPro you get negative balance protection.

FBS is a broker with cool marketing and promotions. It runs an loyalty program, offers a $100 no-deposit bonus for all new clients outside EU willing to try out its services, and an FBS MasterCard is also available for faster deposits and withdrawals.

FxChoice is a IFSC regulated forex broker, serving clients from all over the world. It offers premium trading conditions, including high leverage, low spreads and no hedging, scalping and FIFO restrictions.

HotForex is a EU Regulated broker, offering wide variety of trading accounts, including Auto, Social and Zero spread accounts. The minimum intial deposit for a Micro account is only $50 and is combined with 1000:1 leverage – one of the highest in the industry.

Broker Country Regulation Platform Min Deposit Review
Cyprus, UK, Mauritius CySec, FCA, FSC MT4, MT5, Web $10 Review Website
UK FCA Web €29 Review Website
Australia, Cyprus ASIC, CySEC MT4, MT5, Iress $100 Review Website
Cyprus, Australia CySec, ASIC MT4, MT5 $5 Review Website
UK, Australia, South Africa FCA, ASIC, FSCA MT4, Trading
Station,
NinjaTrader
$50 Review Website
UK, Australia, Singapore FCA, ASIC, MAS, BaFin MT4, Web,
ProRealTime,
2Dealer
$0 Review Website
UK, Cyprus, UAE, South Africa FCA, CySEC, DFSA, FSB MT4, MT5, FxPro
Markets,
cTrader
$100 Review Website
Cyprus CySEC MT4, MT5, Web $1 Review Website
Belize IFSC MT4, MT5 $100 Review Website
Cyprus, UK, South Africa, UAE CySec, FCA, FSCA, DFSA MT4, MT5, Web $5 Review Website
UK FCA MT5 $5 Review Website
UK FCA MT4, Web, MT4
for Mac
$100 Review Website

Traders` reviews for Oinvest

Spread

Slippage

Requotes

Price feed

Platform

Deposit/Withdraw

Customer service

Summary

I am a victim

It is the real scam, blood sucking kind of people, they are working for the devil.

Stay away

You are going to loose money .

Oinvest is a SCAM. SCAM.

Its a SCAM. Do not trust them.

I have lost R63500 in 3 days today!!

lock out of my account with a large amount of money still in the avccount

I was sill busy on forex and I was locke out.
According to helpdesk I must send my computer info.
Why. the website was closed on me.
I need my funds back emmediatly

Withdraw

[email protected] actually helped my withdrawal after providing the statement.

Not customer friendly

[email protected] is not customer friendly. After they withdraw the R3500 no tel is answered and no advice forthcoming.

Lost all my money

I trade with Oinvest since March but after doing well they give me false information to buy to trading t
hat are going to take all my money.

App not trading

I just started my journeys to days ago I find that after two days the MetaTrader 4 app do not work properly.
The app is not trading it is stuck.

Please help

I have an account with oivest even though I’m not trading at the moment. My main concern was that it seemed like somebody was going into my trading account and open and close active trading pairs without me knowing. Who ever was assisting me, will than blame me for that.I was still new in trading space. Secondly I didn’t change my password. I still want to be a trader.

Please I need your advise.

With kind regards
Molwantwa Mfisa

Please help me

I deposited an amount of R8500.00 with Oinvest using my absa Visa credit card, I was helped to make the deposit. I could not trade sue to the fact that I am always on the road now. I requested a refund of my money but now they avoiding me. They are not helpful with my refund but they are registered with the FSCA and they regulated by so called Basfour 3773 Pty Ltd. Will somebody please help me to recover my R8500.00.Please. FSB please.

Update on previous post

Adding to my post from yesterday, I was contacted by Oinvest’s “Customer Support” department rgarding my withdrawal request, by email. They claimed that there was an issue with their Payment Service Provider and that my refund MAY have to be provided by wire transfer.
To me, this comes across as just another attempt to obfuscate, delay and ultimately deny any refund. They then go on to say that, in order to effect a wire transfer, they need a Bank Reference, along with all of the usual bank details plus some that really are NOT required to execute an international bank transfer.
I immediately replied for clarification and justification for this overly-complex, demanding, inconvenient (to say the least! I’m in Thailand and my bank is UK-based!) and unnecessary method. In addition to their likely false claim that there is an issue with their Payment Service Provider (I’ll bet it’s working fine for receiving deposits!), my response was not dealt with the SAME Customer Support individual. Indeed, in all, I’ve received three different emails from three different Customer Support representatives, all offering the same demand for a Bank Reference – complete with bank stamp and signature (WTF. ).
Oinvest is a shockingly unprofessional organisation with a complete lack of acceptable business ethics.
Their representatives do NOT listen to you on the phone and they whine like children WHEN you (rightly) become tired of their meaningless rhetoric and excuses. I will be researching avenues to have this company thoroughly investigated and pulled apart to uncover its, I suspect, fraudulent nature. I can virtually guarantee that not one of its representatives has any education or certification in financial services activities.

Extremely annoying, invasive business practice

Having seen Facebook promotions for an investment scheme that automatically generates profits and having a spare bit of cash to throw at such TGTBT schemes, I decided to deposit $250 with Oinvest.
Within a matter of days, I started receiving random phone calls at inconvenient times to offer me guidance and “training” in managing my trades and making profits. Obviously, the first suggestion was ‘to make good profits you need to invest $000s rather than $250’. The guy then tried to talk me through the mechanics of the system and explain which shares/currencies to focus on. Other than the suggestion of investing more, the conversation was quite reasonable but I made it clear that I wanted to take my time, learn the market MYSELF and then make my trades accordingly. Essentially, I didn’t want an ‘account manager’ pushing me into making trades that I’ve not examined/researched myself.
Following this, I periodically received these random calls from phone numbers that evidently originated in Singapore and then Thailand – where I am based – presumably in an attempt to deceive me into thinking that they were from other parties and closer to home and therefore I would be more likely to take them.
I think I am on my THIRD account manager now, in the space of less than 6 months, which suggests either that they do not retain staff very well or they simply pass around their ‘clients’ to see which manager can actually get a ‘client’ to bite.
Ultimately, I’ve found their practices invasive, harassing, bullying and offensive. I have now requested a withdrawal of all of my funds – the Oinvest website indicates there are no withdrawal fees, so I expect to receive the full $250 back in my account in due course but I wouldn’t be at all surprised if that is not the case.
Although I can’t definitively describe Oinvest as a scam, their promotional advertising is definitely designed to mislead and their business practices are shady and less than ethical.

Stay away from Ointvest

I was called by ine Agent called Issac asked for my ID and proof of Res, deposited my R3500, 2days later so called Account Manager Lennard help me to download their trading website, 2days agter asked for $250 to increase my chances if making a profit. 1day later he ask for more when I told him I dont have anymore I had already invested All money was gone.

Pls pls Stay away from Ointvest.

Am starting to suspect Oinvest

I was asked to make a loan of R25000 to buy stock market shares which will make me profit, to my surprise I am told that my margin level is low and I must put in more cash because my margin level is below 100, whereas I was told that I will be refunded the money I put in to backup my margin level, I have requested my refund now am told that my money cannot be released as my margin level is on minus.That was not an agreement an I am now sitting on a debt which I must pay back.

Do not invest with oinvest

Once u have deposited money, it means you have fallen into their trap because i did

What is BTCInvestments? Scam or Legit?

Is BTC Investments a Scam or a Legit? Are you searching for BTC Investments reviews in order to find out what is BTC Investments, scam or legit? If so, then you are absolutely in the right place. Here, you will find the complete information on BTC Investments within our BTCInvestment review, such as BTC Investments complaints, BTC Investments compensation plan, btcinvestments.co.za scam claims, and so on, the complete information about what is btcinvestments.co.za. Before we begin with our btcinvestments.co.za review, in short, we want to clear that BTC investments is following the cash gifting business model which is neither a sustainable, nor a legal business and also the owner details is not clear, so we have listed it within our Not Recommended sites list. Actually we only recommend that site which business model is sustainable and legal, which has been established from very long time, which has high rate of successful members, which is paying members on time from a long time and so on. You can find the full list of our recommended companies by clicking this link:- newsonlineincome.com/legitimate-work-home-businesses/

Among all those recommended online work companies, Wealthy Affiliate is our No.1 recommendation about which you can find details by clicking this link:- newsonlineincome.com/wealthy-affiliate-review/

OK, let’s begin our BTC Investments review as below.

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BTC Investments Join in and Log in URL:- https://btcinvestments.co.za/

Background of the BTC Investments

The detail of the owner of BTCInvesments is completely hidden both in their website and in their WHOIS details. Even the address of the company is hidden within their website and when we search it in the WHOIS details, we have found that they have mentioned their owner address as “67 Wessesl Str, Johannesburg, Western Cape, 2128”, ZA which address has been already used by many other scam sites, so obviously this is one big red flag against BTC Investments.

BTC Investments is running cash gifting business model which is unsustainable as well as illegal business model and many sites have been already failed which were running this kind of business model, so this is another red flag for this company.

How to earn money from BTC Investments?

Actually here we are only mentioning how the company offers to earn money from it. This doesn’t mean we are recommending you this company. Aforementioned, we don’t recommend you this company. However, if you still wanna know what company offers to earn money from it, then you can find the details as below.

First of all you have to invest 0.002 BTC as soon as you join the site. Once you invest 0.002 BTC, then your invested amount goes to your sponsor as a gift, means goes to the person who would recruit you to join this company. After that, you have to recruit the new people and when your that recruited person pays 0.002 BTC as same as you did, then you will receive that 0.002 BTC. So, it is nothing more than giving money to each other.

As per their compensation plan, they are using 2X5 matrix system with two positions directly under them. When you pay 0.002 BTC to your sponsor (first level upline), then you will be eligible to earn 0.002 BTC from your recruited members on level 1. In the same way when you pay 0.003 BTC to your second level upline, then you will be eligible to receive 0.003 BTC from the members on your level 2 position. When you pay 0.01 BTC to your third level upline, then you will be eligible to earn 0.01 BTC from the members on your level 3 position. When you pay 0.05 BTC to your fourth level upline, then you will be eligible to receive 0.05 BTC from the members on your level 4 position and when you pay 0.5 BTC to your fifth level upline, then you will be eligible to receive 0.5 BTC from the members on your level 5 position. That makes total around 0.565 BTC investment in order to fully participate in everything that the BTC Investments has offered which is very high amount to invest in such risky company which business model is nothing than unsustainable cash gifting platform and also not legal in majority of countries.

Conclusion

Aforementioned, the details of the owner of BTCInvestment is completely hidden in their official website as well as within WHOIS record. On top of that, it is following cash gifting business model which is not a legal business model and this kind of business model will not sustain for long time. This kind of business will only sustain until new people continue to join the company and gift funds to one another. Once the member on the downline unable to get any new people, then it will start to make adverse effect and eventually will collapse. And remember, once you join this company by risking your investment and after that if you are unable to recruit the people in this company, then you will get nothing, instead you will lose your invested amount. So, you can earn from companies like BTC Investments till the members can recruit new members and convince them to pay the money. Once that process collapse, whole company will collapse and that can happen anytime, even just after your investment. So, we don’t recommend you to join in this kind of risky company. If you are willing to earn money by working with legit companies which have legal and sustainable business model, which are running from many years with high rate of successful members and paying on time to their each and every members, then you can take a look at our recommended online work companies list by clicking this link:- newsonlineincome.com/legitimate-work-home-businesses/

Among our recommended companies list, Wealthy Affiliate is the top rated online work company about which you can find details by clicking this link:- newsonlineincome.com/wealthy-affiliate-review/

If you want to share this BTC Investments review with your friends and families, please feel free to do so:-

Should You Invest in Real Estate or Stocks?

The pros and cons of investing in real estate vs. stocks

Image by Ellen Lindner © The Balance 2020

When deciding whether to invest in real estate or stock, there isn’t a simple answer. Identifying the better choice depends on your personality, lifestyle preferences, comfort with risk, and more.

It also depends on timing. Very few stocks would have beat buying beachfront property in California in the 1970s using a lot of debt, then cashing in twenty years later. Virtually no real estate could have beat the returns you earned if you invested in shares of Microsoft, Apple, Amazon, or Walmart early on in the companies’ history, especially if you reinvested your dividends.

Timing is impossible to predict when making investment choices. But understanding each type of investment is key to choosing the best strategy to help your money grow and create financial security.

Real Estate vs. Stocks

When you buy shares of stock, you are buying a piece of a company. If a company has 1,000,000 shares outstanding and you own 10,000 shares, you own 1% of the company.

As the value of the company’s shares grows, the value of your stock also grows. The company’s board of directors, who are elected by stockholders just like you to watch over the management, decides how much of the profit each year gets reinvested in expansion and how much gets paid out as cash dividends.

It’s easy for stock to become over- or under-valued. Before investing, study the company as a whole, including how much of their profit is paid out as dividends. If a company is paying more than 60% of profits as dividends, they may not have enough cash flow to cover unexpected changes in the market.

When you invest in real estate, you are buying physical land or property. Some real estate costs you money every month you hold it, such as a vacant parcel of land that you pay taxes and maintenance on while waiting to sell to a developer.

Some real estate is cash-generating, such as an apartment building, rental houses, or strip mall where you pay expenses, tenants pay rent, and you keep the difference as profit.

There are benefits and drawbacks to each type of investment.

Pros and Cons of Investing in Real Estate

Is real estate the right investment for you? Understanding the pros and cons will help you decide.

5 Pros of Investing in Real Estate

  1. Comfort. Real estate is often a more comfortable investment for the lower and middle classes because they grew up exposed to it (just as the upper classes often learned about stocks, bonds, and other securities during their childhood and teenage years). It’s likely most people heard their parents talking about the importance of “owning a home.” The result is that they are more open to buying land than many other investments.
  2. Cash flow. Rent from real estate can provide steady, reliable cash flow on a month-to-month basis. Many investments only improve your cash flow in the long-term or when you sell them. 
  3. Limiting fraud. It’s more difficult to be defrauded in real estate because you can physically show up, inspect your property, run a background check on the tenants, make sure that the building is actually there before you buy it, and do repairs yourself. With stocks, you have to trust the management and the auditors.
  4. Using debt. Using leverage (debt) in real estate can be structured far more safely than using debt to buy stocks by trading on margin. 
  5. Safety. Real estate investments have traditionally been a terrific inflation hedge to protect against a loss in the purchasing power of the dollar. 

3 Cons of Investing in Real Estate

  1. Time and effort. Compared to stocks, real estate takes a lot of hands-on work. You have to deal with the midnight phone calls about exploding sewage in a bathroom, gas leaks, the possibility of getting sued for a bad plank on the porch, and more. Even if you hire a property manager to take care of your real estate investments, managing your investment will still require occasional meetings and oversight.
  2. Continued costs. Real estate can cost you money every month if the property is unoccupied. You still have to pay taxes, maintenance, utilities, insurance, and more. If you find yourself with a higher-than-usual vacancy rate due to factors beyond your control, you could actually end up losing money every month.
  3. Value. With a few exceptions, the actual value of real estate hardly ever increases in inflation-adjusted terms.

Even if the actual value doesn’t increase, though, you benefit from the power of leverage. That is, imagine you buy a $300,000 property, putting down $60,000 of your own money. If inflation goes up 3%, then the house would go up to $309,000 in value. Your actual “value” of the house hasn’t changed, just the number of dollars it takes to buy it. Because you only invested $60,000, however, that represents a return of $9,000 on $60,000: a 15% return. Factoring out the 3% inflation, that’s 12% in real gains before the costs of owning the property. That is what makes real estate so attractive.

Most people are more familiar with real estate as an investment than with stocks.

Provides month-to-month cash flow if you rent it out.

It’s easier to avoid fraud with real estate.

Debt (leverage) is safer with real estate than stocks.

Real estate has historically served as an effective inflation hedge.

Much more work as an investment than stocks.

Can cost you money out of pocket each month if your property’s unoccupied.

The increase in real estate value, in actuality, doesn’t increase much when factoring in the inflation rate.

Pros and Cons of Investing in Stocks

Like real estate, investing in the stock market comes with both advantages and drawbacks.

6 Pros of Investing in Stocks

  1. Longevity. More than 100 years of research have proven that despite all of the crashes, buying stocks, reinvesting the dividends, and holding them for long periods of time has been the greatest wealth creator in history.   Nothing, in terms of other asset classes, beats business ownership—and when you buy a stock, you are buying a piece of a business.
  2. Minimal work. Unlike running a small business, owning part of a business through shares of stock doesn’t require any work on your part (other than researching each company to determine if it is a sound investment). You benefit from the company’s results but don’t have to show up to work.
  3. Dividends. High-quality stocks not only increase their profits year after year, but they increase their cash dividends as well. This means that you will receive bigger checks in the mail as the company’s earnings grow. And if you hold onto your stocks long-term and reinvest your dividends, after a few decades your wealth will have grown significantly.
  4. Access. You don’t need to have huge sums of available cash to begin investing in the stock market. With some mutual funds or individual stocks, you can invest as little as $100 per month.   There are also a variety of microsaving apps that allow you to begin investing for less than $25.     Real estate requires substantially more money in your initial investment, as well as the cost of maintenance and improvements.
  5. Liquidity. Stocks are far more liquid than real estate investments.   During regular market hours, you can sell your entire position, many times, in a matter of seconds. You may have to list real estate for days, weeks, months, or in extreme cases, years before finding a buyer.
  6. Borrowing. Borrowing against your stocks is much easier than real estate. If your broker has approved you for margin borrowing (usually, it just requires you to fill out a form), it’s as easy as writing a check against your account. If the money isn’t in there, a debt is created against your stocks and you pay interest on it, which is typically fairly low. 

3 Cons of Investing in Stocks

  1. Emotional investing. Though stocks have been proven conclusively to generate wealth over the long run, many investors are too emotional and undisciplined to benefit fully. They end up losing money because of psychological factors. During the credit crisis of 2007-2009, well-known financial advisors were telling people to sell their stocks after the market had tanked 50%, at the very moment they should have been buying.   
  2. Short-term volatility. The price of stocks can experience extreme fluctuations in the short-term. Your $40 stock may go to $10 or to $80. If you know why you own shares of a particular company, this shouldn’t bother you in the slightest. You can use the opportunity to buy more shares if you think they are too cheap or sell shares if you think they are too expensive. And if you hold onto well-valued stocks over the long-term, these highs and lows are often smoothed out. But if you are hoping to make money quickly, the volatility in stock value can work against you.
  3. Stagnation. If you invest in companies that don’t have much room for innovation or growth, then your stocks may not look like they’ve gone anywhere for ten years or more during sideways markets.

However, this is often an illusion because charts don’t factor in the single most important long-term driver of value for investors: reinvested dividends.   If you use the cash a company sends you for owning its stock to buy more shares, over time, you should own far more shares, which entitles you to even more cash dividends over time.

Over 100 years of stock market returns history shows them to be a consistently-good wealth creator.

You can own part of a business (through stock shares) without having to do any work.

If you own shares in a company that pays dividends, your share price and your dividend amount may both grow over time.

You can diversify much easier with stocks than with real estate, especially with mutual funds.

Stock investments are very liquid so your money’s not locked up for weeks or months.

You can borrow against the value of your stocks more easily than with real estate.

Successful stock investing requires an unemotional approach, which is difficult for the majority of investors.

Stock prices can fluctuate very much in the short run, which can leave inexperienced investors worried.

Dividend-paying stocks may look like they haven’t grown in value at all during sideways market conditions.

Choosing Between Stocks vs. Real Estate

Both real estate and stocks can provide long-term financial gain, and both come with risks. When choosing the right investment strategy for you, the best way to hedge against that risk while taking advantage of the potential gains is to diversify as much as you are able.

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