When it comes to real estate, there must be many people whose eyes are wide open and their adrenaline is rising, because many of them have become high-net-worth individuals by buying from buy buy. Take the famous Xinhualian Home in Tongzhou, Beijing as an example. 10 years ago, it was 3,000 yuan per square meter, but today the unit price is nearly 40,000 yuan. However, can you imagine that the unit price here will rise to 400 thousand in the future? Even if it rises to 654.38+ million, it is estimated that everyone will feel crazy.
Of course, some people will say 10 years ago, you didn't expect it to rise to such a high price today. Yes, but this growth is accompanied by the rapid development of China economy and Beijing economy. In the next decade, it is impossible for China's economy to replicate the past growth rate. Wake up, this is reality.
But as one of the important alternative investments, the importance of real estate investment is indispensable. In the past ten years, the average assets of the famous Yale University Endowment Fund were 1/5- 1/4, which ensured a stable income. Although this proportion is decreasing, it is still the most important part.
However, the investment of Yale Fund is not to buy a house, but to invest in real estate funds, specifically global real estate funds, which is also a popular real estate investment method in the world. For example, for the same 3 million yuan, in Beijing, you can buy a house with less than 100 square meter at most in Tongzhou, but you can invest in several real estate projects around the world at the same time through real estate investment funds, or buy real estate parent funds and invest in dozens of real estate projects of several fund companies. Generally, the return of this kind of investment is around annualized 10%, and the risk is much smaller than that of the capital market. So it is a good choice to allocate about 20% of the funds.
2. Private equity
People without equity are not rich, which is almost as well known as "Don't put your eggs in one basket".
There are many ways to invest in equity. For example, you can be an angel yourself, and you can invest more than10.002 billion yuan in many startups. If you are optimistic about who will invest all the money in him at one time, it is understandable, of course, the risk is great; Or invest in private equity funds, the starting threshold is generally 6.5438+0 million RMB; Or the form of FOF mentioned above, is also very common in the field of private equity investment.
With the listing of Alibaba and Jumeiyou in the past decade, I don't want to say more about the huge benefits that equity investment can bring. Xu Xiaoping, Xiong Xiaoge and other equity investment bosses have also become public celebrities, and their "China Partner" programs have been very popular recently.
However, it should be reminded that, after all, equity investment is risky and big. Xiong Xiaoge once said that people can never challenge the "28 Law". IDG invested in more than 400 companies, and more than 80 companies went public, with a success rate of 20%, which was not bad.
Specialization does exist, but it is only 20% in Xiong Xiaoge, and we estimate that it is not 2%. Therefore, honestly investing in FOF is the best advice I can think of. I want to share the huge benefits of private equity investment without taking too much risks. It is suggested that the allocation of funds should not exceed 20%.
3. Cash and fixed income
Finally, and most importantly, no matter what you invest, you need to ensure that some of it is the most flexible and reliable, some of it is used to meet unexpected needs, and some of it is used to obtain stable income. In the case of risks in the capital market and equity investment, this part of the income can be properly balanced to avoid all losses after the "showdown".
Not to mention this. About 1-20% of cash is reserved, which can be used to buy some money funds, and 1-20% can buy some fixed-income wealth management products. The annualized income is between 6-65,438+00, which is reasonable and reliable.