○ I still believe my boss said next decade SP500 4%, but at that time the market is a bit high I think when he said that VTI is at 107. Now i can safely project 5% for the next decade VTI today's price is @ 95.26
● BTW, last decade Toronto House market out perform SP500 too much, for the next decade house will have less chance to out perform SP500 again. If this happens 2015-2025 house out perform SP500, then I can put all my money to SP500 on 2026.
○ House has holding cost. and I am old man don't have a lot of energy to handle tenants. I have 10% REITS in my Portfolio, I prefer click mouse rather than go to site to collect rents.