(1) If the subject asks about some urgent needs (what you really need to buy, not just need to invest), for example, you can't get married without buying a house. Then buying a house is beyond doubt!
Although I am not optimistic about the property market in the next few years, and even many properties will have lower prices, the mortgage interest rate (real interest rate non-nominal interest rate) will definitely go down further. But for such people, not buying a house will also pay other costs, and more consideration is given to residential property.
(2) If it is a comparison between buying a house and investing in financial management, it is meaningless to invest in financial management at this stage. The only difference is the different strategy.
The proportion of real estate assets is relatively high, or the proportion of real estate assets is relatively high. At this stage, we should not only continue to increase the proportion of real estate investment, but also reduce leverage and reduce the proportion of real estate.
I also have the obsession of investing in real estate, or think that the property market will replicate the rising myth of previous decades. There is absolutely no need to rush into the market, wait and see in the living room for a year, or even wait and see for a few more years according to the situation. You can choose to invest in financial management this year or several years, and it is completely too late to consider intervention after the market turns and the property market stabilizes.
Because the skyrocketing housing prices never rely on the just-needed residential properties, but actually rely on the speculative financial properties. At this stage, whether it is the domestic and international economic environment (it is the stagflation period of the global economic depression, and it is also likely to enter the deflation period of the global economic recession) or the policies to combat housing speculation in the domestic property market at this stage (such as directional interest rate hikes, restrictions on purchases and sales, restrictions on loans, restrictions on credit funds entering the property market, and restrictions on banks' trust in the financing of overseas indebted housing enterprises, etc.)
This is the fundamental reason why there will be no big market in the property market in the next few years, but we should also pay attention to risks. Excluding transaction costs, real estate investment will not win the yield of e-government bonds in the next few years, but there will be risks, so I personally suggest waiting and seeing.
(3) There are many financial investments, which can be selected according to everyone's risk preference and assets. Personally, I suggest reducing risk preference at this stage, emphasizing safety > paying attention to income.
From the perspectives of current assets, fixed income assets, equity assets and defensive assets, the subject can make a reference for himself.
① Liquidity assets: smart deposit (daily interest-bearing deposit withdrawal), short-term bank financing (or t+0-t+ 1 redemption financing), money fund, etc. The importance of such assets lies in the flexibility of funds. And at this stage, there should be some funds to match this for a rainy day.
② Fixed income assets: recommended national debt (4-4.27% at present), bank deposits (2-6% at present, in which the relative rate of return of private bank deposits is generally high, and the security of principal and interest is the same within 500,000 yuan), self-raised by banks (3-5% at present) and fixed income trusts (7-9% at present, and 6-8% for bank consignment trust).
Peer-to-peer, private placement (fixed income of fixed shares and fixed debts) and fixed financing (funds are directly credited to the account of the financier, and people who think they have the ability to identify risks and defend their rights themselves choose) are not recommended.
Bond funds are not recommended: after deducting the handling fee, the general rate of return is not high, and debt-based bears (such as 13' s money panic and 16' s radish chapter) suffer more losses (including pure debt funds), and most debt-based bonds actually can't outperform electronic government bonds (annual compound interest) after deducting the handling fee.
3 Equity assets: If you don't have certain stock market experience and actual combat experience, and your historical record is not bad (you have experienced bulls and bears with a small amount of money), then don't touch the stock market. Ordinary people (including retail investors with assets of hundreds of millions) are the targets of harvesting. The stock market can close positions in time, control positions and open positions in batches, which is safe when it is small. But those who expect to get rich and make a lot of money will lose sooner or later.
Defensive assets: such as guarantee insurance and accident insurance. The worse the family's economic conditions, the more they want to buy, and the more members of the family's core income source want to buy. (There are not many rich people)