Купувати квартиру в Україні vs інвестувати — моя відповідь з цифрами

My Telegram channel with cases and public portfolio: 🔗 https://t.me/+5GV-fLw5t1Y1NGYy “Buy an apartment is the most reliable investment!” is financial advice that is passed down from generation to generation in Ukraine. Many believe that real estate always increases in price and concrete will never disappear. I’m not saying that this is a lie. I myself have my own apartment, an investment property, apartments in Bukovel, and shares in hotel projects. But is this really the best investment in 2026? Let’s turn on the cold math. If in 2015 a one-room apartment in Kyiv cost about $30,000, today its price has doubled. But have you considered the costs of utilities for 10 years, depreciation, repairs every 5–7 years, taxes, and a constant headache with tenants? In this video, I frankly debunk the myths surrounding buying apartments, explain the difference between quality of life and a real investment, and share my own difficult experience selling an apartment in Bucha. Watch the episode to the end to learn how to properly balance your portfolio and why real estate should not take up 100% of your savings! 00:00 — The main financial advice of generations: is it worth buying an apartment? 00:50 — Frankly About Money Channel: My Experience and $600,000 Capital 01:23 — Real Math: What Happened to $30,000 in Concrete in 10 Years 01:45 — Hidden Costs: Utilities, Repairs, Taxes, and Home Depreciation 02:32 — Scenario #2: What Would Happen If You Invested $30,000 in the S&P 500 in 2015 03:04 — US Stock Market Returns Over the Long Term, Taking All Crises into Account 03:32 — Why Buying an Apartment for Yourself Is a Quality of Life, Not an Investment 04:29 — Location as a Roulette Wheel: What Really Determines a Property’s Success 04:55 — Passive Income vs. Capital Growth: When Real Estate Is Powerless 05:57 — When the Stock Market Totally Wins Over Real Estate (Analysis of Amounts from $5,000 to $30,000) 06:29 — Partial (equity) investment: pros and cons of hotel franchises 07:28 — Additional risks of real estate in Ukraine during the war and liquidity 08:11 — How to protect money from hryvnia devaluation using ETFs 08:45 — My personal case: construction delay and 4 months of selling an apartment in Buch 09:34 — How many percent of real estate should be in an ideal investment portfolio 09:57 — My Telegram channel