In this episode of The Grow Your Wealthy Mindset Podcast, we're diving into two primary strategies investors use to grow their wealth: investing for appreciation and investing for cashflow. Whether you're aiming to build long-term wealth or looking to create more immediate income from your investments, understanding the difference between these two approaches is essential to aligning your strategy with your financial goals.

You'll learn:

The difference between equity appreciation and investment cashflow

How payment structures can impact your total return and reinvestment opportunities

Why your financial phase (accumulation vs. decumulation) influences your preferred investment style

Which types of assets typically favor appreciation (e.g., stocks, Class A real estate)

Which investments are better known for cashflow (e.g., REITs, bonds, Class C real estate)

The tax implications of appreciation vs. cashflow investing

How passive income vehicles like dividend stocks, CDs, and bonds can complement your investment strategy

Resources & Mentions:

Episode 143: REITs: The Simplest Way to Invest in Real Estate – Released Feb 19, 2025

Episode 34: Understanding Certificates of Deposit (CDs) – Released Jan 18, 2023

Vanguard High Dividend Yield Index Fund – With a recent 30-day yield of 2.63%

Dividend-Paying Stocks Mentioned:

AGNC Investment (AGNC) – 17% yield

International Seaways Inc (INSW) – Up to 14% yield

AG Mortgage Investment Trust Inc (MITT) – Up to 12% yield

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Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

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