EconomymultigenerationalReal EstateSANTA CLARA COUNTYWealth May 11, 2022

Why Diversifying Your Concentrated Portfolio Is A Smart Move

The Bay Area is a hub for many industries, including tech, and investors here often find themselves with a concentrated portfolio due to restricted stock grants and incentive stock options. If this describes you, take note: Diversifying your investments can be a smart move.
Lynne MacFarlane Blog - What does job market mean to real estate market?
Silicon Valley tech employees have been jolted by their stock options performance lately. At Intero Los Altos’ Monday office meeting, our title company rep brought up a point reminding us that in 2009, people who sold their stocks to buy residential real estate have done very, very well!
The Bay Area has historically been home to many companies that offer stock incentives to high-level executives. If you’re a leader in one of those companies, you may hold far too high of a percentage of wealth in your employer or previous employer’s stock. Here’s a recent article which considers the recent plunge in technology shares providing investors with a harsh lesson in that can hamper employee retention and threaten cash flow when share prices collapse.
“As stock prices fall, companies may have to offer employees even more shares to achieve the same compensation levels.” Here are companies that heavily rely on employee stock rewards.
Having a large percentage of your holdings in a single company can help you build wealth quickly when that company is on the rise. However, that same volatility can wipe you out if something goes wrong.
It may seem counterintuitive to cash out stock options now. Nobody wishes to cash in when their stocks are plummeting, but remember that nobody wants to let go of their stock when it is skyrocketing either. Real estate is a safer haven during times of inflation. It appreciates over time and it’s tangible. There are many ways to profit from real estate, from cash flow of rental properties to
appreciation of assets.
Consider balancing your asset class portfolio and cash out. Why not buy a multigenerational house? Think of an extra guest space for relatives visiting, building an ADU, or buying a property under $800K (I can suggest several areas). Real Estate can create passive income with lower volatility and that might be the right move for you.
Let me know if you would like a no pressure introduction to our financial wealth advisors providing Intero concierge service and advice before making any financial decisions.
Also please keep in mind that I’m always available to help your family/friends with any real estate or financial questions.
Lynne Watanabe MacFarlane, Realtor
Intero | Berkshire Hathaway affiliate
408-800-1141 or 831-346-2743
Housing MarketMarket ReportMONTEREY COUNTYReal EstateSAN MATEO COUNTYSANTA CLARA COUNTYSanta Cruz County February 8, 2022

Presentation – MLSlistings Silicon Valley and Coastal Regions SFH Overview Dec 2021 | Lynne MacFarlane, Realtor

Housing MarketMONTEREY COUNTYSAN MATEO COUNTYSANTA CLARA COUNTYSanta Cruz County August 12, 2020

Strong Demand for Housing Continues Despite COVID

Here’s the latest from MLSListings Silicon Valley and Coastal Regions

– Single-Family Homes Market OverviewJuly Market Stat in the SF Bay Area 5 Counties

The SF Bay Area real estate market continued to show its strength during July, even in the midst of the COVID19 pandemic.

Median prices again rose across all five MLSListings counties compared to July 2019; the lowest gain was 7% in Santa Clara County, and the highest increase in median price was 19% in San Benito County.

Closed sales remained robust across the board, both month-over-month and year-over year.

Further displaying this resilience, median days on market dropped in every county except for San Benito and new listings coming on the market grew versus last year in all counties except for Santa Cruz.

 

Inventory stayed problematic in all counties, with 4 out of five counties showing year-over-year decreases.

Santa Clara’s inventory is 1/3 less than this time last year and Santa Cruz inventory is down by 35%.

While San Mateo showed a modest 12% gain in inventory, it is still at historically low levels.

Even with the strong demand, premiums paid (amount paid over asking) is close to 100% in all counties and steady with both last month and last year in all counties except for San Mateo, which saw a 4% drop in average premium paid, from 105% of list last year to 101% of list this year.

Housing MarketSAN MATEO COUNTY February 5, 2020

Q4 2019 Market Overview of San Mateo County – from MLS Listings

San Mateo County – Q4 2019

• In San Mateo County, median sales prices for single family homes rose to an all-time high of $1.544 million.

• Inventories have rebounded slightly from 2017 but are still very low.

• Sales are dismal; the weakest they’ve been since 2008.

• All metrics still point to a very tight market – there are very few active listings, median days-on-market is just 14 and final sales price is consistently well above listing price.

• “Even with prices hovering around $1.5 million, there’s simply nothing to buy.” – Elliot Eisenberg, PhD

• The common interest market in San Mateo is not quite as tight as the single-family market and seems to have loosened up a bit from last year, as seen in median sales price declining from $920k to $901k, and days on market rose slightly. However, inventories remain tight.

 

For private tours & buyer consultation meeting, contact Lynne MacFarlane, Realtor

DRE #02066698

(831) 346-2743 text/voice

lmacfarlane@intero.com

 

 

 

 

Lynne MacFarlane Homes

Housing MarketMarket ReportSAN MATEO COUNTYSANTA CLARA COUNTYSanta Cruz County January 17, 2020

Silicon Valley & Coastal Regions Market Report (for Single Family Homes)

2019 concluded with median sale prices up year-over-year in every MLSListings county except for Santa Cruz. The number of homes sold in December 2019 saw double-digit increases in all counties versus last December, while inventory was down compared to December 2018 (and month-to-month) across the board.New listings also fell in all five counties in comparison to both last month and last December. Meanwhile, the actual price paid versus list price hovered around 100% in every county, from a high of 102% in San Mateo to 97% in Monterey.

** If you’re interested in receiving a property analysis of your home don’t hesitate to call or email me!

LYNNE MACFARLANE, MCDM, REALTOR

DRE# 02066698

INTERO | A BERKSHIRE HATHAWAY AFFILIATE

lmacfarlane@intero.com

831.346.2743

Lynne MacFarlane Homes