A short YouTube commentary by Ndubuisi 'Andy' Egwim contrasting real estate and ISAs as investment options. The speaker highlights practical downsides of property ("three T's": tenants, toilets, trash), ongoing costs (maintenance, taxes, mortgage), and reduced liquidity versus ISAs/SIPs, and provides a 3% annual appreciation example (£200,000 → over £300,000 by 18 years).
Real estate comes with its own headaches. There's the three T's, the tenants, toilets and trash. Of course, there are ongoing cost maintenance, you have to pay taxes, mortgage payment. But that's not the only thing. Real estate is also illiquid. It's harder to sell. It's harder to sell property quickly compared to shares or funds in an ISA or a SIP example. For instance, let's say you buy a Property today for £200,000 and roughly an annual appreciation rate of 3% by the time your child turns 18. If they basically were born today, that prop to be worth over 300,000.
