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Real estate prices continue to rise unabated, while many investors face a natural question: Is it more worthwhile to buy an apartment or invest in Investment Funds?
Market experts are clear: investing in investment funds can bring profits up to three times higher compared to investing in real estate. The only condition is that the choice is based on stable and experienced funds, such as SIGAL Invest.
"Cold" calculations of an apartment
Every buyer should be well aware of the taxes and real costs that accompany the purchase of a property.
In Albania, a 5% tax is paid at the time of purchase or 15% on capital gains at the time of sale.
Let's take a practical example:
An apartment costs 100 thousand euros and after a few years it is sold for 150 thousand euros. The capital gain of 50 thousand euros is taxed at 15%, which means 7,500 euros in tax.
If the tax was paid at the time of purchase, the amount is 5 thousand euros. In both cases, the net profit is immediately reduced.
But the costs don't end there: you have to factor in notary fees, furnishings, maintenance, depreciation, and insurance against risks such as floods, fires, or earthquakes. If these are not taken into account, any nominal gain from selling the property is significantly reduced.
At the end of the day, real estate investment faces lower-than-expected real profits, limited liquidity (difficulty selling the property quickly), and net rental income that rarely exceeds 3–4% per year.
Investment Funds: the Smarter Alternative
If, instead of purchasing a property, 100 thousand euros were invested in a fund with an average return of 9% per year, such as SIGAL Invest, after 10 years the capital would reach around 236–237 thousand euros.
Not only does the money double, but there are no tenants, no repairs, and no hidden costs. This is the difference between a safe, passive investment and a property that requires constant care.
Properties make sense for housing or for diversification, but when the goal is wealth growth, liquidity, and stable returns, investment funds are the smartest choice.
SIGAL Invest offers this opportunity with transparency, experience and sustainability, making Investment Funds the most affordable solution for today's investors.
Po falimentoi sigali fluturuan investimet. A eshte sigal e listuar ne burse qe te kete garanci qe bilançet i ka te sakta? Ne nuk kemi fare burse .