This is something I've been thinking about for a while. Do stocks or property offer me who is a beginner better options.
My situation I think would be similar to many others.
I have 50,000 to invest. If I wait another year should have close to 100k.
Shares - realistic return 5-10% pa over long run.
At 10% that would be 5000 but it is uncertain and could be much less.
Buying own home or investment property- I can get a home lone with 10% deposit. So can safely buy something worth 400k.
Realistically I should be able to better the interest rate by at least 1-2%.
So that would give me 4,000-8,000 return.
So basically a conservative underestimate of property returns is as good or better than returns from shares due to the extra leverage.
Of course one could get a margin loan but the risks are too high for beginners like myself.
Summary: property offers leverage at lower risk and so offers safer and higher returns for beginners.