1. When I was in Beijing a few years ago, I met a high-net-worth customer, which was very representative. Her concept of financial management is also very special: maintaining a high level of relative assets. Are readers deceived as soon as they hear this word? What does it mean to "maintain a high level of relative assets"?
Simply put: buy a house if you have money. Having the money to buy a house in Beijing is also a real local tyrant. However, this concept of financial management has really kept her in a high position in the circle of friends, whether it is high-net-worth friends around her or some friends she knows.
She regards real estate as an asset of social resources and market resources. I also learned something when communicating with her. First of all, the difference between urban and rural areas is discussed. The so-called cities include residents, streets, hospitals, schools, public facilities, office buildings, shopping malls, squares and AD, while rural areas are the opposite, but they just can't reach the convenience of cities. For example, although there are passepartout in rural areas, it takes a long time to go to shopping malls and office buildings, but it may be close at hand in cities. There are great differences between cities and villages, and cities are gradually becoming resources.
Secondly, the resources of the city are gradually improving, and some mature areas can be described as "no room for sale". The news you watch and listen to is all negative information about real estate, because it excites more people. In some mature areas of cities, there is no new site for sale, which is also a state of "no room for sale". In other words, urban planning is not unrestrained planning. The mature areas ten years ago were immature, but now some new areas are also urban resources.
Moreover, urban resources are very different. She doesn't think that the suburbs of the city have great potential now, nor does she think that the mature areas of the city have any potential. Instead, she thinks that there is a business circle in the new city, and the probability of people flowing in the future is high. It can be understood that her choice of real estate is a lot of choices.
Finally, if it is pure real estate investment, that is, real estate speculation, there is no benefit at all. After all, the policy is there. The property she chose is a potential property in a high-quality area of the city. Of course, these properties are not vacant, but choose to rent. At that time, she said that her most successful real estate investment was a new store in her hometown city. Although the investment price was not cheap at that time, the return rate of single rent is as high as 15% now!
Her philosophy is to use the money to buy real estate and then maintain the high value of assets. I am deeply impressed by this, because after so many years, her wealth has only increased. Therefore, "maintaining a high level of relative assets" is the choice of the rich.
I have a colleague whom I know in Beijing. Now I'm back in my hometown, and I often keep in touch. Of course, he is rich, so I won't count, heh ~. Because of his work, his investment philosophy is also outstanding: invest money in the core resources of the stock market!
He is not a securities practitioner and can invest in stocks by himself. What is "the core resource of the stock market"? There are 3,700 listed companies in the stock market, and there are 10000 companies in Qian Qian. Which is good and which is not? This is just like the concept of real estate investment mentioned above. She chooses the resources of the city, and this peer chooses the resources of the stock market.
The stock market is like a city with a big center, but there are thousands of listed companies in the stock market, so there are so many central assets. Simply put: high-quality listed companies. Of course, although his investment method has asset fluctuations, he has benefited a lot in recent years.
When it comes to the stock market, many readers will be confused. After all, few people understand the investment concept of the real estate stock market. I think it is very representative that he put money into the core assets of the stock market. The stock market is the stock market of listed companies and the stock market where thousands of companies in Qian Qian gather together. Which of these listed companies have the highest quality and which can add value every year? These core assets represent high-quality competitiveness. Under this kind of competition, the stock price rise of high-quality listed companies often plays a stronger role.
3.20 18 visited a farm, and an investor's investment view is: commodity resources! He only invested in enterprises, factories, enterprises and companies related to aquaculture, and it was very successful. Speaking of this, more readers will be confused, and I am also confused when I communicate.
What are commodity resources? There are many kinds of aquaculture, including raising chickens, pigs and cattle. Eventually, chickens, eggs, pork and beef will become commodities and then circulate in the market. He only invests in aquaculture and opens up various channels with commodity resources. Don't underestimate this industry. Meat food in daily life is a necessity, and every city has a demand. He regards the breeding factory as a very important commodity resource investment. As long as the funds he raises do not affect his production, and the management and technical personnel are fully equipped, he will go to various places to invest and build factories. And this kind of resource is indispensable to the market in his eyes.
Many readers know that when I just returned to my hometown a few years ago, I did business with my friends. 20 16 A friend from Wuhan came to see me. He is also a winemaker. At that time, it coincided with the worst time of the liquor industry, and the influence of the "plasticizer" storm. And he has been making wine since he entered the society. He is an old-timer, and his investment philosophy is: hiding wine.
Maybe the rich people put their money there and it has a lot to do with this industry. During our communication at that time, the digestion of Kweichow Moutai market was not ideal, and the ex-factory price at that time was around 650 yuan/bottle. Then he makes wine one after another, because he makes wine himself. Sales at that time were still influential, but he still kept the wine. Now the market price of Kweichow Moutai is about 2400 yuan per bottle.
Different industries have different choices, and basically they choose to invest in the industry they are most familiar with in order to succeed. Of course, some rich people put their money into unfamiliar industries, but most of them failed.
Where do rich people put their money? The truly rich are misers. The poor man has gold nuggets, so he doesn't feel safe eating and sleeping. The rich got the gold nuggets. I'm afraid of people. Real rich people are most afraid of showing off their wealth. Keep all your money at home and be the guardian of wealth every day. People with little money. Try to make money. What is real estate sales? Buy a house in a good location and earn tens of thousands of dollars. Another is financial management. Or do business with friends to make some money. Most people who do business now keep all their money at home. Cash transactions are more convenient. Not many people put a lot of money in their cards. Worried about what might happen. Anyway. People think hard for money, and people engage in different occupations. Money is used in different ways. Where the heart is, the money is there.
Real rich people understand the truth that the three caves of cunning rabbits protect themselves and will invest their money in different channels.
The most representative rich man is Li who has a Canadian hukou. His wealth has been invested in dozens of countries around the world, with a large number of real estate, land, stocks, options, properties, ports and docks and so on. In addition, it has invested in more than 60 technology companies, with actual wealth exceeding 850 billion.
If the wealth reaches a certain level, the rich will not put all their money in the bank to pay interest, so they will only watch inflation devour their wealth.
Specific to where the money of the rich in China is put, it is nothing more than the following channels:
1. The deposit threshold of private banks and large banks is 6 million yuan, and the financial return rate can reach more than 6%. Although it can't beat inflation, it can also reduce the losses caused by inflation as much as possible.
China Merchants Bank has 72,000 private banking customers with excellent retail business, with a deposit of 2 trillion yuan, with an average of 27.77 million households and 2.36 million sunflower users, with total assets of 5.5 trillion yuan and an average of 2.33 million yuan. It can be seen that the rich will still deposit some funds in the bank.
2. Investing in real estate In the past two decades, investing in real estate was the only option that could stably outperform inflation. Some ordinary people are bold, borrow money to pay down payment, buy several suites intermittently, realize financial freedom unexpectedly and get rich overnight. Some rich people took tens of millions of deposits to start businesses, and as a result, they lost all their money in these years, but they bought several houses unintentionally and earned a lot of money.
The house is not only used for living, but also for investment, and its financial attribute even exceeded the residential attribute for a time. Real rich people basically have more than two properties. Several big cities in China have houses, and even foreign countries have houses.
3. Investment companies and equity ventures are risky, but for the rich who have come from the storm, a considerable proportion of the first bucket of gold comes from entrepreneurship. In order to increase the value of wealth, rich people will still do business and start companies. On the one hand, there are enough funds, on the other hand, there are all kinds of contacts, and the chances of success and entrepreneurial choices of the rich are much higher than those of ordinary people. For some companies that are short of money but in good operating condition, in order to solve the financial problem, they will also consider finding rich people to cooperate and sell some shares.
4. Insurance and trust Although inheritance tax has not been levied in China, it is the general trend and may be levied one day. As the saying goes, the core reason of wealth is social unrest and dynasty change, and the education of children is also the key. In order to better inherit wealth and prevent accidents and debt risks, some rich people will invest some money in insurance and trust to ensure the inheritance and safety of wealth.
5. Collect beautiful women, cultural relics, luxury goods, gold, jewels, jade, precious stones, famous wines and famous cars. Rich people are seldom misers and pay more attention to enjoyment. Everyone has different hobbies, most of them like to collect beautiful women, and some like cultural relics and various luxuries. Some people have not only safes at home, but also secret rooms for storing valuables, where all kinds of treasures are stored, and they have nothing to do, which is very fulfilling and satisfying.
6. Hide the money in a hidden place. Some rich people feel more secure. They will rent several houses to save cash and even save hundreds of millions of RMB. Some people will choose to hide on the beams in the countryside, in the soil of the pigsty, in the mud of the pond, in the homes of relatives who know the root of the matter, and so on.
Let me tell you an example around me, which my father always says in my ear. As the saying goes, "other people's children."
Let me talk about his basic situation first. He comes from a very ordinary family. Like me, he comes from the countryside. He is five years older than me. Now he is the boss of a listed company, engaged in software work. Two years ago, he, his parents and his wife's parents bought two villas in Wuhan. As for me, as a small financial worker in the headquarters of a bank, the down payment is still a large part of my parents' investment, and there is a mortgage of 1 10,000. Although the gap is not as big as the question says, it is not small.
Later, I analyzed why there is such a big gap between two people.
There are several reasons.
First, the root of differences has been buried from parents. My father and his father are both in the fruit business, but my father is cautious and steady, never taking risks, never playing tricks and cheating, and is honest and dutiful. His father is the kind of person who dares to challenge, likes to take risks and then pursues higher. At first, I was engaged in fruit retail. In the 1990 s, you could earn a lot a year, so don't say how much. In any case, it goes far beyond the working class. My father was satisfied at that time, but he was not satisfied at all. The watershed came out, my dad continued to do fruit retail, and his dad switched to fruit wholesale, which was more risky but more profitable. By 20 10, there are more and more people selling fruits, and the competition is getting bigger and bigger. My father's income is gradually decreasing. His father turned to wholesale and began to lose a lot of money, but after finding a way, he earned all the losses back in one year, and the profit in the second year was my father's ten years' hard work. This gap is not too big.
Second, their family education environment leads to completely different personalities and different final choices. My university is 2 1 1, and my major is economics. He is an ordinary computer. These are our own majors. I prefer reading books, studying history, making the past serve the present and analyzing politics, economy, society and people's livelihood. I seek stability. He likes new and challenging things, and he seeks excitement. Then I graduated and went to the bank. He started his own software company after graduation. I entered the system step by step. He analyzed the future development trend, seized all available resources and opportunities, constantly pushed the company to another height, and then went public a few years ago.
If compared materially, he and I are heaven and earth, he is heaven and I am earth. Many times I envy him, but I know I can't do it. Even if I spend my whole life, I can't make the wealth he earned in a year.
Someone who can get rich quickly. Nothing more than these factors. There is start-up capital. Seized the opportunity, with the help of nobles, contacts, courage and caution, not afraid of failure, has always insisted on their own fields. And those who have "exhausted their lives". Without start-up funds, connections and fear of failure, they will never dare to take the step of 1. Some businesses fail, they can't persist, or they don't make money doing this today, and they still don't make money doing that tomorrow. They keep changing, and finally they don't make money, but they stick to it. This is the thinking of the poor and the rich. When the poor start a business, they will think about what to do if they fail, and there is nothing left. What if the rich start a business and make a profit? People who say they are rich are getting richer and the poor are getting poorer.
Although people are equal in status and property, your financial resources are constantly improving, your status is also rising, and your circle is also expanding. In this diversified world, investors become diversified and flexible. If all your friends are doing it, which industry do they turn to for money? Maybe your friend is close to which industry, your vision and courage determine your personal financial resources, cultural knowledge makes your soul, and your circle determines your ability. Only old people, timid people and honest people put their money in the bank and save money to solve their urgent needs, while most people who use Alipay and various wealth management products are young people. Middle-aged people have a little money, such as ordering goods, real estate, and various wealth management products. Wealthier people have strong financial resources and diversified investments, such as network, energy and overseas investment. Anyway, the society is developing and growing, as long as rational investment will pay off, the financial planner said, if you don't manage your money, money will ignore you. I am an ordinary person who has neither foresight nor courage. I don't have a high education level, I don't have many friends, and I don't have any extra money for investment. My pockets are often empty, so I don't know where the rich put their money.
The author has a say in this issue. China financiers' club consists of the first, second and third richest people, and the wealth club under the wealth manager is the rich club. These two clubs are gathered by the rich for the sake of wealth appreciation.
The Fortune Club is led by JPMorgan Chase of China and Hong Hao, the father of private equity funds.
The investment of the rich is mainly equity investment. From Ma Yun, Ma Hua Teng, Liu Chuanzhi, Xu Jiayin to the rich in various provinces and cities, equity investment is the main investment. Investing in stocks means investing in the future. Finding a promising company for equity investment is the best investment. All the rich people in the world mainly invest in equity investment. Only equity investment can outperform inflation and gain the greatest wealth. In this world, no one can make money faster than buying and selling equity, and no one can make money more than investing equity. Wealth Manager is the most valuable equity investment platform in China. Why are there so many rich people in China financiers' club and wealth managers' wealth club, but JPMorgan Chase of China and Hong Hao, the father of private equity funds, have been given seats?
There is a simple reason. Hong Hao is the most authoritative and professional in the field of financial investment. All the rich people understand that only by following Hong Hao can we truly preserve and increase the value of wealth. In China, no one has this ability except Hong Hao. Numerous practices have proved that it is the right choice for the rich to follow Hong Hao. If you want to make a lot of money, the only way is to follow Hong Hao to invest in the shares of unlisted companies, carry out industrial integration and upgrading and capital operation, and hold a number of companies in shares, and then let these companies go public or sell them to listed companies. Hong Hao is leading a group of entrepreneurs to do this kind of work.
Values of wealth managers: use experts to cultivate new profit growth points of enterprises and create wealth opportunities for investors. Wealth Manager is the most valuable equity investment platform, docking funds for high-quality projects and tapping wealth opportunities for investors.
In the past, rich people bought houses, but now rich people sell houses. In addition, Hong Hao will help the rich manage their wealth according to their different situations, such as insurance, trust, cultural relics collection, luxury goods, gold, jewelry, jade and precious stones, and global asset allocation. For the rich, assets can't be placed in only one country. Wealth management of the rich is to allocate assets on the premise of ensuring safety.
This question is not very good. Obviously, the questioner doesn't know how the rich get rich.
0 1, correct question: Where do rich people put their money? It feels like a person has money, and then consider where to put the money, deposit it in the bank, buy stocks, buy a house and so on.
But this is not the case.
A rich man is not where he puts his money when he gets rich, but where he put his limited money at the beginning, and now he is a rich man.
If the question is changed to where to put the money, it will be easy to get rich in the future, then this question will be perfect.
Let's take Ma Yun as an example.
If we ask Ma Yun where his money is, we all know that his main money is equity. Including the shares of listed companies, a large number of companies hold shares.
But he didn't invest his money in equity. He was a shareholder in these companies before he became a rich man. At the beginning, he invested his limited funds in these companies, especially Ali. Through continuous efforts, the company grew bigger and bigger, and even went public. He kept these shares and became a rich man.
Tell me a common example in our life. I have a friend who has more than a dozen houses in Guangzhou. He is also a little rich man.
If you ask him where the money is, most of it must be at home. But by the same token, it is not that he put his money in the house after he got rich, but that he put his money in the house in those years. With the rise of the house over the years, it has become a rich man.
Where should we put the money now? You must not put it in a conservative place, otherwise you will never become rich, so if you only consider putting your money in the bank or buying bank wealth management products or Yu 'ebao, you are doomed to be an ordinary person.
If you put your money in the house now, it's hard for you to become rich. Because that wave has passed. The future house can also bring us a stable income, but it will not be too high.
You can consider putting money into the stock market, by buying stocks or buying funds. In fact, this way is to find some excellent enterprises to grow with him. You may not be able to create an Ali, but with luck, you may have invested in Ali long ago.
You can also consider investing money in some emerging industries, participating in other people's entrepreneurship or starting your own business.
In a word, we don't study where the rich put their money now. We should study where these rich people put their money in those years, so as to get inspiration and turn themselves from ordinary people into rich people.
How do rich people put their money? Everyone should know that there are only a few channels, such as savings, real estate, investment (insurance, wealth management, funds, stocks, futures, etc. However, most people will make reasonable asset allocation. How to say, how to assign scoring groups and divide the situation. Rich people are also graded and stratified.
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First of all, the conservative rich, that is, the ordinary working class, have a large proportion of deposits, and at the same time they will buy some sound wealth management products, or buy houses to preserve their value, which is more rational. Other risky and complicated ones are generally not considered.
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Second, the middle class. They are smarter. These people often have their own financial advisers and don't put their eggs in one basket. One is cash assets. What is guaranteed is the short-term expenses of the family, which are basically fixed every month. The needs of buying clothes, traveling and changing mobile phones should also be paid from this account. This is a leveraged account, which contains safe assets, generally accounting for 20% of household assets, and is specially used to solve sudden large expenditures. The second is security assets. In order to use the special fund for special purposes, we will ensure that there is enough money to save our lives when family members have accidents or major diseases. Because only insurance can make a big bet, 200 yuan is changed into 654.38+ 10,000 yuan, which generally does not take up too much money, and there is also a lot of money when used. The third is to invest in assets. The aim is to create high income for families in Qian Shengqian, including stocks, funds, real estate and companies. , generally under the guidance of financial advisers. The fourth is sound assets. That is, the preservation and appreciation of money. They generally account for 40% of family assets. In order to protect the pension of family members, children's education fund, money left for children, etc. And resist the erosion of inflation, the income is not necessarily high, but it is long-term stable.
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Finally, there are well-known entrepreneurs, politicians, rich people and the second generation of officials. Some of their assets have been rationally allocated with reference to the above, among which the proportion of insurance is relatively large. As we all know, some types of insurance will not be enforced by the court and cannot be used to pay off debts. Some of them have invested in entities, overseas assets and made venture capital, and some may be deposited in foreign banks in case of accidents.
Bank, stock market, fund market, real estate market, and under your own bed!
The rich are what banks call high net worth people. The assets of these people are around 20 million, accounting for about 8% of the total population of China. We call them the rich. Most rich people will make a comprehensive plan for their assets, and they will also store cash in various ways to counter the dangers of inflation, economic downturn and economic crisis. This is what the rich often do. Investment philosophy of not putting eggs in one basket.
The assets of the rich are stored in the following aspects.
First real estate,
Since ancient times, people who have houses and land are rich, so rich people will put a lot of assets in residential commercial houses, office shops and facade houses. There are also land leasing, various commercial land, planting land and industrial land, and real estate is spread all over the world. In particular, real estate in developed countries is used to preserve value, while real estate in developing countries is used for investment.
Second, holding multi-national currencies,
The third kind of equity,
Most of the rich people will hold a large number of shares in listed companies, hold some shares or even directly buy the shares of listed companies and large group companies to become shareholders. This is why we see that many listed companies have many natural person shareholders. Rich people prefer to invest their money in such companies. Such a company is like a hen that keeps laying eggs, creating profits for the rich and making them have a steady stream of income.
Fourth, have your own business,
The rich tend to form their own business kingdom, occupying a key position in a certain dominant position, such as hotels on Chang 'an Avenue in Beijing, such as
Five-star hotels in major tourist attractions and popular cities. These commercial properties, like a hen that never stops laying eggs, will bring profits to the rich, because their business logic is the most dominant asset.
To sum up, the rich have a lot of capital to flow, they will always wait for the opportunity to occupy the most favorable assets, or they can hold the currencies of various countries and wait for the low value, that is, we often say that after the financial crisis, they will buy cheaper assets and wait for high cash, which is a frequent investment behavior of the rich.