Buy-to-Let vs Index Funds: Which Makes You Richer?

Everyone knows someone who made a fortune in property, but 150 years of global data tell a different story: property and stocks delivered almost identical inflation-adjusted returns, about 7 per cent a year. Today, with UK house prices stalling and stock markets roaring, which really builds wealth faster?

Today’s video is sponsored by Freetrade, the commission-free investing platform.

New Freetrade offers:
2% cashback when you transfer £10,000+ in pensions (ends 31 Dec 2025)
1% cashback for new ISA customers transferring £10,000+ (ends 31 Dec 2025)

Plus, get a free share worth £10 - £100 when you sign up via a referral link!

Freetrade makes investing simple and affordable, with award-winning service and transparent pricing. Learn more at http://freetrade.io/pensioncraft

Capital at risk. ISA & SIPP eligibility, tax rules, and T&Cs apply. Cashback capped at £1,000. Annual subscription required for SIPP offer.

✔️ If you want to learn more about investing, why not become a pensioncraft.com member? To find what we offer and how you can join our friendly community click here https://www.pensioncraft.com/investor-education/membership/

What Else PensionCraft Offers:
💡 Book a coaching session with Ramin so he can answer your questions in a one-to-one video call via Zoom: https://pensioncraft.com/power-hour/
📰 Sign up for our free weekly market roundup to get news and views about what's going on in the stock market and wider economy https://pensioncraft.com/market-roundup/
📖 Understand investment in more depth with my online courses https://pensioncraft.com/courses-we-offer/
❓ Join PensionCraft on YouTube and you’ll be supporting me to make more content and I will answer your questions and respond to your comments on YouTube as a priority https://www.youtube.com/pensioncraft/join
🎧Check out our free weekly podcast "Many Happy Returns" on your podcast app of choice or at https://www.youtube.com/@ManyHappyReturnsPodcast

I Use The Following Data Sources To Help Me Create My Videos
(These links provide new users with a special offer and may also provide me with a small commission)
✔️ Stockopedia - New users get a special 25% discount on any annual plan if they use this link http://stk.pe/pensioncraft or enter our promo code 'PC25' at the checkout.
✔️ ShareScope & Sharescope Pro - special discount offers are available for PensionCraft viewers who use this link https://sharescope.co.uk/pensioncraftsp
✔️Cbonds - provides you with a high quality and comprehensive source of bond market data and up to 50% off their private investors’ dedicated plans when you use this link https://bit.ly/47nekIM

Timestamps
00:00 Introduction
00:30 Long Run Data
01:39 Robert Shiller & The Rental Yield Correction
04:53 Rethinking Housing Returns The Chambers et al. Review
06:09 Dimson–Marsh–Staunton & Siegel
07:00 Real World Costs & Friction
10:21 The 2025 Landscape
11:21 Portfolio Takeaways

Where Else You Can Find Me
🌐 Website - https://pensioncraft.com/
📱 Twitter - https://twitter.com/PensionCraft
👨 Facebook - https://www.facebook.com/pensioncraft/
🔗 LinkedIn - https://www.linkedin.com/company/pensioncraft

Take A Look At Some Of My Other Videos
📹 Investment For Beginners playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TcG9QNlRJ_QjI8iX_q_I8jo
📹 Investing For Retirement playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TcWFuRd51gkPyAGleZRvGcN
📹Investing With Vanguard playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TfMV4S_51E_zmbMio4UNBtM
📹 Portfolio Building Blocks playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TdRdp-hLnL5oxsaRjJZVSyn

DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.

If you need financial advice, Unbiased, the UK’s leading online directory of financial advisers, can connect you to an Independent financial advisor for free. Additionally if you use our link to register with Unbiased, your first consultation with a financial adviser is free. https://imp.i337888.net/c/4012142/1936845/11746 (This link provides you with a special offer and we will also earn a small commission)