Property or ETF: I’m in my 30s with a spare $100,000. Should I buy an investment property?

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I’m in my 30s with a spare $100,000. Should I buy an investment property?

Paridhi Jain Money contributor September 16, 2025 — 11.52am

I’m in my 30s with a stable income, and have about $100,000 to invest. I already have a home and enough cash in my offset to match my outstanding mortgage amount, so this is on top of what I have in my offset. I have some ETFs already, but I’m thinking maybe I could get an investment property. I know a buyer’s agent, who has recommended a property. I’m hoping it’ll appreciate in a few years, and then I can sell it and reinvest the money into ETFs later. Which is the best option?

What makes an investment the “best” investment? Is it the one that will give you the highest, fastest return, with the lowest risk (thi