My mom just called to tell me that a $40K real estate investment her advisor put her in has been returning 12% the last 5 years and now the company just sold the property and she got $260K return. Also that she now has $100K more in her accounts than she did 10 years ago when she retired, despite traveling globally multiple times per year first class. I feel like an investment loser.

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Why would you feel anything other than joy at hearing your parents are doing well financially?
1. It’s less likely you’ll have to support them
2. Some of that money is coming to you eventually

likesmart

Why do you feel like a loser? What does your mom’s investments have to do with you? You would have had to try hard to lose money take last 10 years. My parents are retired and they have way more now when they retired. I am happy for that and I do not feel like a loser.

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I wish my retired mother could figure out basic finances.

likefunny

Oh, I’m happy for her, but I’ve never done nearly as well on a single investment!

Some of it may come to me - depends on a lot of factors.

So, your mom is retired, has one very successful investment that had an odd 1-off return?

While significant, if you frame it as something your mom literally worked her life for (to be positioned such that her investments in retirement could pay off and she can travel / do whatever she wants), you have PLENTY of time to have your own successful investments

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Why don’t you use her investment advisor? Sounds like your mom is financially literate.

I’m asking myself that now 😊

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How does that math work? 40k growing at 12% annually over 5yrs is $70k (a $30k return). For reference, VIGAX has a 10-yr annualized return of 18.9%. VTSAX is 16.1%. The 5-yrs are even higher.

She’s spent about about $80K/year on travel for the last decade. Multiple high-end trips per year, always first class flights. She’s currently a hundred thousand over starting amount. I don’t know if she could have had the money in index funds, spent ~$800K and still come out ahead, but there you go.

Just get to that 1mm+ accredited investor status to access alts like that

Sounds like you have the inheritance all figured out lol

I’m not surprised at all with that investment return - real estate is where the money is. I’ve invested with a local builder twice on 2 occasions and received 28 and 23 percent returns on all money invested after 12 month periods (she promised 20 percent). Builders love private money and it’s easy money if you don’t mind letting it sit

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