The family net worth is 654.38+0,000,000 yuan, belonging to the top affluent class in China. At present, some survey data mainly include the following items:
I. Hurun Wealth Report. According to the Hurun Wealth Report 20 19, by the end of 20 18, 12 and 3 1 year, the number of "high-net-worth families" with tens of millions of assets in China was as high as 158, including 850,000 "high-net-worth families".
In fact, according to China's population data released by the sixth population census in 20 10, the average household size in China is 3. 1 person. There are about 450 million families in China, and the proportion of families with 10 million assets is about 3.5‰ and 1.9‰.
Second, China's private wealth report. According to the 20 19 China Wealth Report released by China Merchants Bank and Bain Company, the number of high-net-worth individuals in China with investable assets exceeding100000 RMB has reached1970000 RMB, and each person holds investable assets of about 30.8 million RMB.
Because it is not pointed out whether it is a family or a pure individual, the proportion accounts for about 1.4‰ of the total population if viewed from the population. If the number is 1.97 million, then the ratio is 4.4‰.
Third, the survey of assets and liabilities of urban households in China. According to the survey report released by the assets and liabilities research group of urban households in the Survey and Statistics Department of the People's Bank of China, the average total assets of urban households in China are 3 1.79 million yuan. This is richer than many people think, but it doesn't take into account the debt situation. The asset-liability ratio of urban households is 9. 1%, and the average household debt is about 300,000.
The main assets of urban households are physical assets, accounting for about 80%, of which housing accounts for nearly 70%, and the housing ownership rate in China is as high as 96%.
The average asset size of urban households with total assets before 10% is 1, 5 1, 654,380+0.5 million yuan. The average net assets of 90%~99% of the top families are 654.38+002.57 million yuan.
However, the relevant survey report gives a clear proportion of 5.2% to the number of people whose family assets exceed 1 10 million. According to the urbanization rate of 60.6% at the end of 20 19, the proportion of household assets exceeding10 million yuan is 3.2%.
This ratio is actually much higher than the above two data. The main reason is that too many personal housing assets and personal mortgage liabilities are included. After all, in first-tier cities such as Beijing, Shanghai and Shenzhen, a similar house can be worth 78 million yuan.
Generally speaking, normally speaking, those with assets exceeding 10 million are the top surplus families in the country, unless they are rich enough to have only houses left.
According to the convention, we come to a conclusion: "According to the latest data of Hurun Wealth Report 20 19, the net assets of households with100000 are quite large in China, accounting for 0.47%, but the disposable assets of households with100000 only account for 0. 12%, and the difference is real estate." Based on this, we can extend several topics.
1. What is the difference between 0.47% and 0. 12%? How to calculate? Needless to say, everyone knows that the price difference is the real estate, so many people will say that selling the house will become a one-time thing. At this time, another problem appeared. The latest Hurun Wealth Report shows that the proportion of households with assets of 65.438+million in first-tier cities and first-and second-tier cities is as high as 60%. Frankly speaking, most of the disposable assets of the 0.47% people are real estate. Frankly speaking, there are more disposable real estate here (most of the 0.47% middle class are in big cities, and we know how much the house price is. There is also the obsession and sense of belonging of China people, which makes it impossible for these middle classes to sell their houses as disposable assets (except in special circumstances). To sum up, 0.47% of the middle class portraits "the vast majority of people come from super-first-tier cities and first-and second-tier cities with only one house. Except for real estate, the rest are disposable assets."
Second, among the 0.47% middle class, some people buy houses through loans, so their assets may be negative. I think of a joke from Zhou Libo's Shanghai School. Now many entrepreneurs "count loans and borrowed money as personal assets", which is a bit close to the meaning here.
Third, survivor bias, which was a popular saying last year, Baidu Encyclopedia means: "Survivor bias means that when the channels for obtaining information only come from survivors, the information may deviate from the actual situation. The prejudice of survivors is a truth of natural selection after the survival of the fittest: survivors can't speak. People only see the results of a certain screening, but they don't realize the process of screening, so they ignore the key information that has been screened out. "For example, when we see many successful Internet entrepreneurs ringing the bell, TV, news and new media hype reports and interviews, we will think that most people on the Internet are well-paid and rich. In fact, many people are glamorous and many people are heavily in debt. As a serial entrepreneur of the Internet, I have seen too many entrepreneurial failures overnight, but the public will not pay attention subjectively. These losers can't find a good hole to drill down, how can they come out and talk? As a result, the public only saw Ma Yun ringing the bell, Ma Hua Teng listed, and Wang Xing's wealth was free. Survivor prejudice applies here. Many people around us have assets of more than 654.38+million. In addition, we see reports everywhere, who rewards millions in one night, and Li Jiaqi Weiya Double 654.38+065.438+0 is credited to 654.38+0 billion, and so on. How can there be only 20 10/00000 households in China? The data and statistics are wrong. Survivor bias appears here. There are not so many people around us with assets exceeding 6,543,800+million. Media reports also misled us. Even Robin Li, the founder of Baidu, said, "What you see is what you want to see, and the truth is behind the news. "The truth here is that only 0.47% of middle-class families have assets exceeding 654.38+million. In most cases, we run counter to the facts.
Fourth, in the current consumer society background of excessive consumption and overdraft, most of the assets you see are beautified and packaged. As mentioned in the second point, those entrepreneurs regard the money borrowed by the company as personal value, and entrust it to individuals. When you see friends spending money in bars and live broadcast rooms, you may be eating instant noodles in private at the other end of the screen. Simply put, most people are bragging about income and assets. Let me tell you an interesting thing. I have investigated friends around me and found that friends who earn more than 300,000 say that their annual income is 6.5438+00,000. However, we can understand that assets and income are quite private after all.
Take the income of well-off families in China as an example. If you want to reach the family net assets of more than 6.5438+million, at least wealthy families have basically achieved financial freedom, with net assets of10 million. Take house prices as an example. If the total house price is 3 million, 30% down payment is 900,000, the mortgage is 265,438+10,000, and the net assets refer to down payment of 900,000.
For the working class, it is quite difficult to achieve a net worth of10 million. /kloc-nearly 60% of the population is business owners.
Although "wealth comes from simplicity", wealth is not created by saving.
According to the current wage earners, the average monthly salary is 6K, and the annual income is 7.2w The annual income of a family is still below 15w. According to statistics, if ordinary people want to achieve financial freedom, about 40% of them need 6-65,438+00 years, and the financial freedom here is far from the net assets of 654,380+million.
A steady stream of income is still necessary, whether it is work, entrepreneurship or investment, it is the way to maximize the return of 654.38 million assets. According to individual division, the total assets of 6,543,800,000 yuan are basically in the gold collar class, that is, the middle class, which is at the tail of the rich class.
654.38 million positive assets, including real estate, belong to the small rich class. Excluding real estate,100000 (cash or funds or stocks) is the proper rich person. Be confident and be a rich man anywhere in the world! 1 100 million net assets belong to the richest man. More than 654.38 billion+0 billion belong to the super rich. Super rich with a net worth of more than 2 billion, congratulations, Hurun 2000.
rich
That depends on which area. It also depends on how these assets maintain and increase in value. For example, in Beijing, it's a school district, and you still have to work to make money in your daily life, just ordinary citizens, but if you are in Lanzhou, wow, that's awesome.
Look at your city. If it's a first-tier city, it's a house! A poor man! If it is a second-and third-tier city, it is medium! The fifth and eighth tier cities are the best! In the countryside, it is up and down, high above, littering!
Personally, I feel bad. This is a personal experience.