Let me give you some personal advice:
1, real estate.
China's future real estate must be divided, and the population determines the house price!
In the case that the population in the big environment has peaked and the aging is very serious, cities with a continuous net inflow of population such as first-line and new-line will have investment value, which can not only preserve the value, but also appreciate it.
But for a city like Line 345, if there is a net outflow of population, there is no need to invest, because it will only fluctuate, adjust back or even depreciate.
2. stocks.
China stock market will become the "golden cycle field" to replace real estate in the next 10-20 years, so the appreciation probability of stock investment is very high, just like real estate in 1990 and 2000.
However, we must know the difference, because the stock market and the real estate market are different. Referring to the mature financial market, it is definitely a case of survival of the fittest.
Therefore, for those high-quality, low-valued, industrial stocks, they have more investment value, while for those sunrise industries, even those listed companies that are overvalued, inferior and rubbish, they should be avoided.
Conclusion:
From 1987 to 20 19 in June, the currency depreciated by 77.4%! 4.5% per year. Assuming that the inflation rate is 4%, cash will depreciate by 56% in the next 20 years. Highly indebted banks, insurance companies and real estate companies are the biggest beneficiaries.
Do you know how to deal with it? Buy core assets! !
History has repeatedly told us that in addition to investment, investment can fight against devaluation! Most deposits, even gold, can't achieve the purpose of appreciation or even preservation!
In the next few years, the national five-year plan will be used to set the time, that is, from 2020 to 2025. In these five years, what will residents invest the most?
We can first analyze the residents' regular investment channels to see which ones are easier to preserve their value: 1. Real estate: The past 20 years have been the golden period of real estate investment, but from 18, the position of the state on real estate, coupled with the bubble degree of real estate prices in various places, shows that real estate has passed the general growth stage in the next five years, and the future will be a structural market. Structural market, that is to say, the general public is more difficult to grasp. 2. Savings and financial management: I don't need to say this, inflation can't run away, what's more, financial management now doesn't guarantee the principal and income. 3. stocks and funds: this is the most likely to outperform inflation, that is, it can preserve value. There are many reasons. The most important thing is that the national economy begins to take an L-shaped horizontal direction, which is not much different. This is the bottom. In addition, the stock market also underestimated the bottom. With the completion of national industrial upgrading and structural adjustment, the economy will begin to improve in the future, and related listed companies will also rise.
Answer over!
What is the most valuable investment in the future depends on what is the most scarce. The rarer it is, the more valuable it will be over time. Specifically, I think the following assets will be more valuable in the next few years.
Although the property market in China has reached an inflection point at present, it is impossible for house prices to rise as rapidly as in the past, but for those first-and second-tier cities with a large net inflow of population, I think there is still room for house prices to rise in the next 5~ 10 years. As long as the room for rising house prices in these cities exceeds the level of rising prices, they can preserve their value.
Precious metals such as gold are completely different from the direction of economic development. Under normal circumstances, the economic development situation is relatively good, so the price of gold will be relatively low. On the contrary, if the global economic development is not optimistic, then the gold price will usher in an upward trend.
According to the current global economic development trend, the global economic development in the next few years is not very optimistic, especially the economic development of the United States may face some uncertain factors, and the dollar may further depreciate. If the dollar depreciates, the price of gold will rise, so precious metals such as gold should have a certain role in maintaining value in the next few years.
With the continuous development of rural undertakings in China, the living environment in rural areas has been greatly improved. In the future, I believe many people will be willing to buy a house in the countryside for vacation or pension. Therefore, for those rural areas with convenient transportation and good environment, there is definitely room for appreciation of their land.
With the continuous improvement of living standards in China, there are more and more rich people. Once everyone's income increases, everyone's pursuit of quality of life will also increase accordingly. In the future, there will be more and more millionaires in China. In addition to basic food, drink, housing and transportation, these people will also pursue some artistic things, so the demand for those rare collections may increase, so the prices of those collections with less stocks may continue to rise, so these collections will have a certain value preservation effect.
At present, many mineral resources in the market are relatively scarce. These resources will decrease day by day, and they are non-renewable. In the future, the prices of scarce resources related to high-tech industries, such as rare earth, cobalt, zinc, nickel, etc. , may continue to rise, so they have a certain value.
Of course, what we have listed above are tangible assets, that is, visible assets, but I think what can really preserve value in the next few years is my intangible assets, that is, my ability, because as long as my ability is strong enough, I can adapt to the changes of the times, and then I can control market opportunities in time and accurately, so as to earn more wealth. This is the most valuable asset.
So instead of buying some precious metals or real estate when people have money, it is better to spend more money to learn and improve themselves. Only by improving one's ability, expanding one's horizons and opening one's contacts can one be in an invincible position in the future.
Simple question. You see what bank lending institutions use as their main mortgage assets and what is the most valuable! Because they are the most professional and smart.
Let me say it backwards.
Let's start with stocks. Comrades, not surprisingly, this year's IPOs are all registered. Simply put, as long as they meet the conditions, they will be released ... There is no approval mechanism, and it is normal to withdraw from the market in the future. To put it simply, stocks can no longer be played as before, and retail investors basically have no way out. Those who maintain stocks can wash and sleep. This is a standard pit. ...
Then real estate.
Not much else, but after the epidemic, house prices will fall, and in fact the economy will be affected ... Simply put, the overall environment is not good, and I can't find any reason to explain why house prices will last. It is said that people who buy a house can also wash and sleep, and those who are like the pick-up man can leave at will. If they can keep their jobs this year, they will burn incense. s
work of art
..... Well, by the way, I personally think it's better to wait for mortals and not touch them.
golden
You can have this, but only if you promise to buy real gold, and the rusty one will still fall down in a few days.
dollar
The idea is beautiful, but the reality is very skinny. Ask how much you can buy for each account.
So, to sum up, I personally understand that static is better than moving. At present, it is better to throw money at the bank to stabilize the currency. I'll fix it when I have a chance.
History is the mirror of the future. Let's review the most valuable assets in the last twenty years. The first real estate. In particular, the residential appreciation in Beishangguang is about 10-20 times. Shanghai was only a few thousand dollars 20 years ago, but now it has reached ten times. Even in third-and fourth-tier cities, there are five times more books. Followed by collectibles, such as Hetian jade in jade, more than ten times, but the liquidity is not as good as real estate. Thirdly, equity investment, with risks and benefits, is not the financial object of the general public. Other less risky ones are bank financing, fund investment and precious metals investment.
In the next few years, faced with several changes, the economy will no longer develop at a high speed, inflation will drop, the return on investment will definitely drop sharply, and the days of large-scale wealth increase have passed. Like real estate, the risks are definitely greater than the benefits. Once the finance is exhausted, the real estate tax will inevitably be introduced, and antiques and other collectibles will be far away from the collection of ordinary people. It is estimated that the following are worth looking forward to.
One is precious metals investment. It is suggested to properly allocate gold investment.
First of all, gold is the most traditional investment variety among precious metals, the so-called prosperous antique gone with the times gold. In recent years, with the rapid development of national economy, the investment function of gold has obviously declined. However, after years of high-speed economic growth, it has now entered a medium-speed economic growth. For ordinary individual investors, the dividend of investing in real estate has basically ended, and the investment attribute of gold has gradually emerged. Intervention after 2020 is a better choice. In particular, the panda gold coins issued every year are very cheap and worth collecting and investing by investors.
The second is fund investment. The most disappointing thing in the past decade is the securities market, but the wind and water turn around and there is no fixed East. In the next few years, holding a good fund may bring different benefits. Funds are very mature investment products abroad, such as American pensions. The main investment object of housing enterprise funds is funds, with the purpose of long-term stable profit. China's funds are affected by the unhealthy development of the stock market, but they will continue to look good in the future.
The third is core commercial real estate. In recent years, housing has risen too much, but commercial real estate has lagged behind seriously, mainly affected by Internet sales such as Taobao. However, commercial real estate, especially in the core area, still has investment value. Of course, the timing of intervention is very important and there must be comparative advantages.
The above suggestions are for reference only!
What assets can best preserve the value in the next few years? I think there are three things!
First of all, health is priceless.
I am deeply touched by the epidemic situation during the Spring Festival holiday. Seeing that the number of confirmed cases is increasing day by day, the death toll is also increasing day by day, and the whole country is fighting the "epidemic", I think the most important thing is health, plus Kobe's plane crash. Sometimes, I really don't know which comes first, accident or tomorrow. Therefore, whether in the past or in the future, life and health are the most important and valuable, because health can enjoy everything, which ranks first and does not accept any refutation.
Second, China A shares.
At present, the stock market is at a low level, with a large amount of foreign investment and low valuation. In addition, with the continuous improvement of the market and the deepening of the concept of value investment, the future stock market will be relatively slow. At present, the housing market has passed 10 years, and the stock market will be the largest investment market, and the future will be one of the most stable and profitable opportunities.
Third, real estate in first-tier cities.
Third, I think it is real estate in first-tier cities. Although the housing market gold 10 is a thing of the past, as a first-tier city, Beishangguangshen has a large economy and a dense population. You can still enjoy the dividend brought by the population, even if the price increase slows down, plus regulation. It will fluctuate within a range, but I think the real estate in first-tier cities is still one of the best products to preserve value.
The above is what I think is the most valuable. The first life is healthy, the second stock market, and the real estate in third-tier cities have the opportunity to outperform the currency, which can preserve and increase the value.
What are the main points of assets? First, see how much capital you have? Don't invest in real estate if you have10 million. You should invest in a project with an annual production capacity of 400 thousand to 500 thousand. For example, a hotel is a very good project. The initial investment is 800,000 to/kloc-0,000 yuan, and the annual profit can be about 30%. After three years, you can basically recover all your investment. If the investment is1100,000 to1100,000, then you should consider long-term and stable investment. For example, looking for a securities company with 50% investment and an annual income of 5%- 10% is still very good. Or if you invest, you can buy bonds or stock indexes, and the income will be between 2% and 6%.
The best assets, houses, gold and equity investors in the future.
Let's start with the house. Many people, including experts, say that house prices will fall. What I want to ask is, three years ago, construction workers were working every day 150- 180 yuan, but now workers are working 300-360 yuan. Environmental protection policies have also increased the cost of materials. The house that was originally completed in two years will be completed in three or four years, and the cost is one third higher. On the one hand, people's income has increased, on the other hand, houses in the future can only be said to be different in different regions, and house prices will form a seesaw price!
Gold is a rare commodity, and international tycoons and consortia prefer to store gold! Follow your heart.
Equity investment, the United States and other developed countries are examples. Whoever owns the equity will control the wealth.
If time went back to 10 years ago, what would you invest? Needless to say, you must choose to buy a house. /kloc-the skyrocketing housing prices in the past 0/0 years have opened the wealth gap between housing and no housing. What about the next 10 year? Besides the house, what other assets can best preserve the value?
1, real estate
Let's start with the house. Real estate is a cyclical industry, and its prosperity is based on the macroeconomic situation. As long as the general trend of China is upward, the real estate in central cities can not only preserve the value, but also appreciate. Second-and third-tier cities will also develop, the population will increase, the overall demand will increase, and the value will be bullish for a long time; As for small places such as fourth-tier cities, it is hard to say whether they can preserve their value. In many places, the original population is in a state of net outflow, which just needs to be reduced. The space for traditional infrastructure investment to drive housing prices is getting smaller and smaller, so the inertia of rising housing prices will become smaller and smaller.
However, this is only from the perspective of self-occupation. If it's real estate speculation and investment, Feng Xiaojin doesn't think it's necessary to consider it, because at this stage, whether it's the first or second line or the third or fourth line, house prices are at a relatively high level, and after the regulatory policies come out, the transaction volume of several big cities is falling sharply, and a lot of funds are in real estate, which is very risky.
Knock on the blackboard and notice that many people only consider housing when buying real estate, but ignore shops! Think about it, there will be a steady influx of people in first-and second-tier cities, and with the subsequent promotion of "renting and selling the same rights", the sub-center of the city or the bottom business potential of large residential areas along the subway is huge.
Now people's life pressure is getting bigger and bigger. It is normal for them to go out early and come back late, eat downstairs after work, or go downstairs to the fruit shop to buy some fruit. Therefore, there is more room for maintaining and increasing the value of shops. Even if you don't plan to do business, it's good to buy it and rent it out. At present, shops are not limited to buying, which is completely worth considering.
2. Fixed income investment
For a long time in the past, the most conservative and prudent investment and financial management was to go to the bank to deposit time deposits and buy guaranteed financial management. However, last year, the new regulations on asset management were introduced, which required to break the rigid redemption, and bank wealth management was no longer guaranteed. If you calculate according to the average inflation rate of 5% announced by the state in the past ten years, you can basically ensure that your assets will not shrink by buying wealth management with a yield of 5%.
However, with the further increase of inflation rate and currency depreciation, the 5% yield can no longer meet our demand for asset preservation. In the future, you can choose to allocate other fixed-income products with higher returns, such as bond funds and P2P.
It is worth noting that the P2P industry is accelerating the reshuffle after experiencing the thunder tide, and the head platform that can be left will eventually stand in the forefront of the industry and usher in a new round of development. Seizing the opportunity and choosing a reliable platform for investment is one of the ways to preserve and increase the value of assets.
3. Private fund raising
Many people don't understand private equity funds because of the high initial investment amount and the related threshold of income and assets. Compared with public offering, private equity funds pursue absolute returns, because the performance of their fund managers depends on 20% commission.
Therefore, the more you earn for your clients, the fund managers themselves will benefit. Therefore, from this perspective, private equity is more motivated to maximize investment and leave the most stable income to customers and to themselves.
Private equity fund should be one of the options for asset allocation. When choosing products, you should choose some private placements with a long history and outstanding performance as your own asset managers, which is also one of the choices for long-term value preservation in the future.
4. Equity investment
Equity investment has been hotly debated for several years, but the information transparency of equity has been questioned by the industry. After all, this is a long-term investment, and the operation is closed with little information disclosure. No one is at ease! But I always heard that a company went public, which created countless equity investors and made everyone eager to move.
I would like to remind you that equity investment is not necessarily for making money. According to SethLevine's statistics, about 2/3 of VC's diversified investments may be losses. But if several of them succeed, the overall income will increase and the return will be considerable. At present, the domestic equity investment market is not perfect, but there have been many successful cases in recent years. I believe that in the next 10 year, equity investment will also usher in its spring.
5. Self
Buffett once said: "In the end, there is an investment that exceeds all other investments, and that is investing in yourself. No one can take away what you have learned, and everyone has such investment potential. "
Investing in yourself not only means improving your ability and getting more benefits, but also means changing your way of thinking. If we can re-examine our strengths and weaknesses from the perspective of investors and wake up and work hard from the perspective of investors, then you will become rich both materially and spiritually in 10 years.