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Today’s edition is brought to you by Pacaso.
If you care about building wealth through real estate but don’t love the idea of sinking 100% of your capital into one property (plus all the management headaches), I think you’ll like this one.
Pacaso has introduced a smarter and more convenient way to own luxury second homes through managed co-ownership. Imagine fractional ownership with the added benefit of professional design, maintenance, and scheduling handled effortlessly.
We are sharing this because we truly believe it can help you think more clearly about diversification and real estate allocation in your portfolio.
Take a quick look below. If it sparks an idea, great. If not, no worries — either way, thank you for supporting sponsors like Pacaso, which helps keep this newsletter free for everyone. Enjoy!
Let’s embark on this transformative journey together and position your portfolio for success in this evolving market landscape!
Be sure to read through to the end to catch all the valuable insights this newsletter delivers to your inbox today.
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A better structure for real estate allocation is emerging
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A better structure for real estate allocation is emerging
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If second-home ownership is part of your wealth strategy, the question isn’t whether real estate belongs in your portfolio — it’s whether your capital is structured to perform.
Our 2025 Co-Ownership Index Report, anchored by a national survey conducted in July 2025, reveals a decisive shift in how Americans think about second homes.
Eight in ten adults now favor co-ownership — a model that removes inefficiency without sacrificing luxury. The findings reinforce what financially minded buyers already recognize: whole ownership ties up 100% of your capital, delivers limited usage, and creates ongoing operational burdens.
In this landscape, Pacaso’s structure — LLC ownership of 1/8 to 1/2 share in a luxury home — stands out as the more efficient alternative.
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Every Pacaso home is fully managed with professional interior design, year-round maintenance, and our proprietary SmartStay™ scheduling system, which ensures fair, predictable access to your home. You simply arrive and enjoy.
With over $1B+ in transactions and a Zillow-founded leadership team, Pacaso is the global leader in luxury second home co-ownership.
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This is more than just a real estate asset; it's a place for your family's legacy to unfold. Connect with our team to discuss your portfolio strategy and ideal destination.
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TOP MARKET NEWS
Top Market News - December 03, 2025
Top Market News - December 03, 2025
Dear Reader, welcome to today’s dive into the financial world! I’m sharing my thoughts on the latest market moves, from Bitcoin ETF outflows in a bear market to a Korean worker's ETF success story, retirement planning with $145K, and InvestingPro's accurate stock collapse prediction. These insights, drawn from recent trends, are my way of helping you navigate the path to financial freedom. Let’s explore together.
BlackRock's iShares Bitcoin Trust (IBIT) recorded a record $523 million single-day outflow on Tuesday, the largest since its January 2024 debut, as Bitcoin fell nearly 30% from its October peak, pushing ETF investors into the red amid weakening confidence and broader market downturns, with total spot Bitcoin ETF outflows nearing $3 billion for November.
Tip: In crypto bear phases, consider reducing exposure to spot ETFs like IBIT and reallocating to stablecoins or diversified assets until sentiment stabilizes.
Kim Ji-hoon, a 40s office worker, grew his 300 million won ($220,000) investment into 1.5 billion won over five years through three U.S. ETFs (S&P 500 for stability, Nasdaq 100 for growth, and dividend-focused for income), achieving financial independence with 4 million won monthly post-retirement income, as detailed in his bestselling book "Retire with Just 3 U.S. ETFs."
Tip: Emulate Kim's balanced ETF approach—allocate across S&P 500, Nasdaq 100, and dividend funds for steady compounding toward financial freedom.
A soon-to-retire individual with $145K savings, a paid-off home, no debt, and travel aspirations seeks advice: Experts recommend a conservative 3-4% withdrawal rate ($365-487/month from savings) plus Social Security (~$1,500/month average) for $50K annual spending, suggesting part-time work or home equity access if needed, while prioritizing diversified low-risk investments for longevity.
Tip: With your debt-free status, use a 3% safe withdrawal on $145K (~$360/month) plus SS for basics; budget travel at 20% of income and consider gig work for extras without depleting principal.
InvestingPro’s Fair Value model flagged Bullish (NYSE: BLSH) as overvalued at $69.18 in September 2025 (intrinsic $40.88, 41% downside), accurately predicting its 45% drop to $37.79 by November amid negative EBITDA (-$82.5M) and EPS (-$1.29), despite Clear Street's Buy upgrade with lowered target.
Tip: Use fair value tools like InvestingPro to spot overvalued stocks like BLSH early; focus on fundamentals over analyst hype for timely exits.
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Disclaimer: This newsletter is for informational purposes only and should not be considered financial advice. Please consult with a financial advisor before making any investment decisions.
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