Stocks Are Slipping. Real Estate Is Steady. Here’s Why It Matters.

In today’s unpredictable economy, investors are asking a big question: Where can I build real, lasting wealth? At The CL Team, we believe the answer is clear: real estate.

With inflation pressures, interest rate shifts, and global tensions making headlines, it’s more important than ever to make smart, stable financial decisions. Your money deserves a home that grows with you—and that’s where real estate comes in.

From first-time homebuyers looking to stop renting to seasoned investors expanding their portfolios, real estate offers powerful advantages over the stock market—especially in 2025. Let’s take a closer look at why now is the time to make your move.

The Stock Market's Recent Volatility

The start of 2025 has been anything but smooth for Wall Street.

In early April, major U.S. stock indexes dropped sharply:

• The S&P 500 slipped 2.2%
• The Dow Jones fell 1.7%
• The Nasdaq tumbled 3.1%

These drops followed the announcement of new U.S. tariffs and trade policies, triggering investor uncertainty and market sell-offs.

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By mid-April:

• The Nasdaq had declined 15.6% YTD
• The Russell 2000 was down 16.4%

Between sudden drops, algorithmic trading, and emotional reactions to headlines, the stock market can feel like a guessing game. Real estate, on the other hand, doesn’t panic. It builds value steadily, based on supply and demand—not speculation.

Real Estate Delivers Steady, Competitive Returns

Real estate offers something stocks simply can’t: predictability with growth potential. While stock market returns average around 10% annually, real estate tends to move at a steadier pace:

• Home prices have more than doubled over the past 20 years.
• Rental properties and REITs show strong returns between 8–17%, depending on strategy.
• Real estate provides both appreciation and income—building equity while collecting rent.

Plus, real estate gives you control over your investment decisions—a hands-on wealth-building opportunity stocks don’t offer.

Real Estate Builds Wealth You Can Live In

One of the most compelling reasons to invest in real estate? You can see it, use it, and live in it. It’s a place to call home, a source of rental income, and a tangible asset you can pass down to future generations.

Real estate helps you:

• Find stability during uncertain economic times
• Leverage your investment to maximize returns
• Take advantage of tax benefits
• Protect your money against inflation

How The CL Team at Luminate Bank Can Help You Get Started

You don’t have to figure it all out on your own. At The CL Team at Luminate Bank, we help buyers and investors take meaningful steps toward property ownership—whether you’re purchasing your first home, expanding a portfolio, or anything in between.

We offer:

• First-time homebuyer programs with low down payment options
• Down payment assistance to make moving more affordable
• Investment property loans
• FHA, VA, Jumbo, and Conventional loan options
• Custom lending solutions for unique credit or income profiles

Our local loan experts know your market and will walk with you every step of the way—from pre-approval to closing.

Ready to Build Wealth You Can Live In?

If you're ready for a smarter alternative to the stock market roller coaster, real estate could be your next big move. With The CL Team at Luminate Bank, you’re not just getting a mortgage—you’re gaining a partner in building your future. Connect with us today to explore your options, ask your questions, and take the first step toward lasting, stable wealth.

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