Investment Property vs Stocks Comparator

Compare a cash-purchased rental property with a stock total-return scenario using the same starting capital.

Universal10-Year ProjectionFree

Property vs Stocks Comparison

🏠 Investment Property

📊 Stock Market

Property Value
Stock Portfolio Value
Property ROI
Stock ROI
Total Rental Income
Included
Dividends in Total Return
FactorPropertyStocks
LiquidityCheck sale time and transaction costsCheck market access, settlement and trading limits
FinancingNot modeled; cash purchase onlyNot modeled; unleveraged scenario only
IncomeEntered rent less vacancy and expensesIncluded in entered total return
Costs outside modelTax and irregular repairsTax, platform, fund and trading fees
DiversificationDepends on property holdingsDepends on the selected portfolio

Frequently Asked Questions

Investment comparison brief

Compare property and stocks with liquidity visible

Compare a cash property purchase and a stock total-return scenario using exactly the same starting capital.

  • Property side: purchase costs, vacancy, operating expense, appreciation, rent and sale costs are entered separately.
  • Stock side: one annual total-return assumption includes dividends, preventing double counting.
  • What to check: tax, inflation, financing, irregular repairs, diversification and liquidity are outside the arithmetic.

Scenario comparison. Neither return is a forecast or investment recommendation.

Frequently Asked Questions

Does this model a mortgage?

No. It is deliberately a cash-purchase comparison. Do not enter only a down payment while treating the property as fully owned.

Are dividends separate?

No. The stock input is total return, so dividends must already be included.

Are tax and inflation included?

No. Apply consistent after-tax, real assumptions separately when they matter.

Which scenario is better?
The page only identifies the larger modeled ending value. It cannot assess suitability, concentration, volatility, legal risk or access to cash.
Which property costs belong in the inputs?
Use current local estimates for acquisition, vacancy, recurring ownership and eventual sale. Review large irregular repairs separately if a smooth annual percentage is unsuitable.
Can this model a REIT?
Use the stock total-return side for a traded investment scenario. Direct property and a pooled listed vehicle have different fees, liquidity and risks.