>Real estate: goes up, goes down. Long term good, mostly if you bought low
>Cash value life insurance: policies with savings built average 6-8% with tax free loans & tax free withdrawals. As well as safety with not losing money in a down market.
>Annuities: Also have the safety of not losing money and will give you a 5-7% return.
(For people thinking about retirement - they do not like the idea of a large mortgage & high debt.)
RE still has a long way to go in the average market. (RE is local not National). Good to know the SF market is doing so well. We love to frequent SF. You need to wear that hat to opening day at Del Mar. I'll bet you'd win! LOL!!