Sell or Hold Checker
Should you keep this property or sell? Compares ending wealth from holding (equity at horizon + cash flow over the period) against selling now and reinvesting the equity at your alternative return.
Holding leaves you €25,327 ahead at 5 years versus selling and reinvesting at 6%/yr. The cash flow plus expected growth is doing more than your alternative would.
Red flag · Cash-on-equity is only 3.0% — well below what dividend equities or even cash deposits return today.
Next move · Pressure-test the growth assumption at 1% and 5%. If the hold case holds at 1%, the signal is robust.
Free saves the scenario. Trial unlocks the full report.
Free stress test
Hold advantage at horizon under stress
Three what-ifs. Individual unlocks the full sensitivity grid.
| What if | Base | Under stress |
|---|---|---|
| Capital growth −2%/yr | €25,327 | −€11,429 |
| Alt return +2%/yr | €25,327 | €4,416 |
| Selling costs +2pp | €25,327 | €26,579 |
A positive number favours holding; negative favours selling. Individual models tax-adjusted disposal scenarios.
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How to interpret your results
- Hold advantage in your favour means keeping the property beats selling and reinvesting. Negative means the freed-up equity earns more elsewhere.
- Within 5% either way is borderline — model uncertainty alone covers that range, so treat it as a coin toss.
- Cash-on-equity is the income return on the equity stuck in the property. A useful sanity check against alternative income-producing investments.
- Capital growth assumption is the single most-leveraged input. Stress-test it both ways before betting on the outcome.
What this doesn’t include
Capital gains tax on disposal, refinance options that would change the equity equation, transaction-cost variation by country. Pro adds tax-adjusted scenarios.
Keep going on this property, or move it into the full portfolio so you can track it month after month.
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