My Top 3 Best Investments

Here are my top 3 best investments for 2021 and beyond. This includes stocks, real estate, and digital currency

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Today I want to talk about my top 3 best investments for 2021 and beyond. These investments are going to stand the test of time regardless if you are a growth investor, dividend stock investor, real estate investing, or a digital currency investor. Let’s start with the best investment of all time according to Warren Buffett – “This investment can’t be beat, you can’t be taxed on it, and inflation doesn’t touch it, this investment supersedes all others: invest in yourself. Nobody can take away what you’ve got in yourself, and everybody has potential they haven’t used yet.” Invest in yourself was the best cookie cutter advice I ever got, and I want to reiterate it back to you, more than you could ever imagine my passion for saying it. Now let’s get to real list of the best 3 investments and get more specific.

Investment 1: Dividend Investing. I look for a stock that yields between 2% – 4% or more depending on the dividend growth rate. For every $100 you invest, the % represents what you earn per year for as long as the company exists and pays a dividend. I also want to make sure it has a dividend growth rate of 10% or more, I’ll settle for a lower yield, if it’s less, I want it to grow faster. Here’s a really cool way to find that information.

Go to dividend.com, type in the stock you want to see, and you’ll find a new tab called “Payout Estimate”. If you scroll all the way to the bottom you’ll see the growth rates and how long they’ve been growing the dividend. Here I want to see that they’ve been paying dividends for at least 5 or more years (preferably 25 to be considered a dividend aristocrat)

I also look for a P/E ratio of 15 to 20 which allows me just to scan just the surface of the stock market to see where I could find some potential. You can find P/E ratios anywhere on the internet or inside your best brokerage app (Robinhood, WeBull, M1 Finance, Fidelity, Charles Schwab, Vanguard, etc.) but don’t use P/E ratios as your only metric, a lot of beginner investors make that mistake. Instead, use this little known secret which I haven’t shared until now. The P/B Ratio – price to book ratio. It measures the stock’s current value and divides that by the company’s asset value minus its liabilities (a P/B of 1 or below is generally considered a good investment in the sense that it’s undervalued in relation to where it should be. 1 is hard to find so people generally accept P/Bs of 2s, and even 3s much like they do with P/E ratios of 20 or less)

Investment 2: Real Estate. The cool thing about REIT stocks is they often pay monthly which means you can reinvest the money quicker allowing to it grow for longer. The downside is you pay taxes on them differently because they’re taxed at ordinary income tax rates which for me, is not good because even though I’m earning only $1100 which represents 13.3% of my yearly passive income, I’ll be taxed at 37% based on my current income which is not so great. Another platform I use to invest in real estate is called Fundrise and I like this app a lot.

Investment 3: Digital Currencies (BTC, ETH): I like digital currencies because I think especially with Joe Biden as president, we will see enormous inflation with more stimulus money pouring in from the government as well as the Fed if they continue adding to their balance sheet. Over the last 10 years, it has been the single highest returning asset class, and it’s also been the riskiest which is why I keep no more than 10% of my net worth in it but I think over the next 5 years we’re going to look back at 2020 and think wow, I wish I invested more. I use the ledger nano to keep my coins safe (link above) and I use BlockFi to generate interest for my account.

*None of this is meant to be construed as investment advice, it’s for entertainment purposes only. Links above include affiliate commission or referrals. I’m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

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