Where’s the best place to put your money this year?

by Gordon Campbell

January 2025

This is a topic we have been asked by a lot of clients to give a view on.

For most people, the choice often comes down to two options:

Property Investment

or

Stocks & Shares and Crypto

Both have their merits, and as someone who’s invested heavily in both, I can tell you there’s no one-size-fits-all answer.

But if you’re ready to make 2025 your most financially successful year yet, let’s break it down.

Stocks: especially those in major indexes like the FTSE 100 or S&P 500, offer:

√ Accessibility: It’s easy to get started. You can buy shares with just a few clicks!

√ Low Upfront Costs: You don’t need to save for a big deposit—you can start small and build gradually.

√ Dividends: Certain stocks pay regular income, adding a passive element to your investment.

√ Relatively Low Risk: When diversified properly, stocks in major indexes are fairly stable over time

That said, stocks aren’t perfect:

⚠️ Volatility: Prices can fluctuate wildly based on global events, company performance, or market fluctuations

⚠️ No Leverage: You’re limited to the capital you have, and can’t borrow to amplify returns like in property.

⚠️ Limited Tangibility: Stocks are just numbers on a screen—there’s no physical asset to hold

I’ll admit it: I have a massive bias toward property—and for good reason.

Property: It has its downsides (higher upfront costs, more moving parts,) the upsides far outweigh them:

The investments that  Alliance Property Group have sold to investors over the last 9 years have given:

√ Tangible Asset: Unlike stocks, property is something you can see, touch, and improve to increase its value.

√  Demand > Supply: With housing shortages in most markets, property values have a strong upward trajectory.

√ Leverage: Banks typically finance up to 75% of a property’s value, yet you benefit from 100% of its capital growth.

√  Combined Returns: Through rental income and capital growth, we regularly achieve combined returns of around 15% per year

(That means we typically triple our investment over a 10-year period!)

Simply put: Property lets you make your money work harder for you.

If you have £100k and want something completely passive, and you’re not bothered about making the most money possible, sure, stocks might be a better fit…

But if you’re looking to maximise your returns and build long-term wealth, property is hard to beat.

Please contact us if you ever want to discuss your property portfolio and how we can take you to the next level.

We are always happy to help in any way we can.

And remember…….

Keep looking out for our emails of new investment opportunities being sent out about 8am UK time, and can be any day during the week and weekend.

Or if you have any specific requirements, please contact us direct to how we can help you build your property portfolio, wealth and income.

Alliance Property Group. Making a Difference