I'm not talking about 12 months. Ha! I'm talking about over years. My spreadsheet model focused on the 5-year and 10-year returns, where capital gains is factor

I'm not talking about 12 months. Ha! I'm talking about over years. My spreadsheet model focused on the 5-year and 10-year returns, where capital gains is factor. What I found was counter-intuitive, but looking at historical returns on index funds and housing, the stock market almost always delivered higher returns. If you have to hire a property manager and pay for repair services, that gap widens.