This question must be answered objectively, otherwise you will be criticized completely... Let's talk about houses first. What is the future value-added space of a house worth 5 million in a first-tier city?

Let us take an objective example. In the past twenty years, housing prices have increased tenfold, so the average annual return is 50%. This is very impressive. Many cities cannot reach this level.

Nowadays, the real estate turning point has appeared and under the control of policies, the growth rate of real estate has declined significantly. If we assume that it can only increase five times in the next 20 years (which is also very scary), then the average annualized return will be 25%.

If this rate continues, a 5 million house will become 25 million in 20 years. I think this is objective enough. Of course, this leaves aside the possibility of devaluation of the house in the future.

Next, let’s look at 8 million financial management. According to the current risk-free interest rate of 3%-4%, and also taking 20 years as an example, 800*(1+4%)^20=17.53 million, also for 20 years, the contrast is obvious

People who own houses will have more money in the future, but what about 800% and only 4% annualized?

If you were a professional investor, that would make you laugh out loud.

Let's take an example. A listed bank company, such as the four major domestic banks, can achieve an annualized return of 6% over a 20-year period, and a dividend rate of 4%. This is an annualized rate of 10%.

, then 800*(1+10%)^20=53.82 million, this is the annual income that the middle class should have, and it can even be said that this is the lowest.

Some people may wonder why the 50% annualized growth of a house cannot keep up with the 10% annualized growth of bank stocks?

It's very simple, because the appreciation of the house is simple interest, while the appreciation of the stock is compound interest, so the conclusions drawn are completely different. Finally, what I want to say is that whether it is a house or financial management, there is a possibility of loss. Today's China

China is no longer the China of yesteryear. It has passed the era of driving GDP growth through fixed asset investment. In terms of Kondratieff's cycle, no matter what asset it is, it cannot escape the development cycle. Stocks will not keep rising, and houses will not continue to rise.

The same principle applies... Either way, you can make more money, or you can have no money at all.

The key is how to do it. If you spend 5 million to buy a house in a first-tier city now, then the house prices will not only stop rising in the future, but may also fall sharply. Of course, it is impossible to lose your money. After all, the house is still there, but your money

Already less than 5 million.

And if you use 8 million for financial management, you will lose faster if you don't understand financial management, and you may lose all your money.

So let’s analyze these two methods below and see how we can make more money instead of losing money.

How to maintain and increase the value of a house. When investing in real estate now, the focus is on the rate of return. If the rate of return can be around 10%, you can consider it. If it is not achieved, forget it. It is better to buy financial products.

Let’s analyze and analyze which properties are worth investing in right now.

1. A house whose rent can offset the monthly payment. If the rent of the house can offset the monthly payment now or in a few years, then such a house can be invested.

Even if you can't sell it in the future, you can still rent it out. You can pay the rent with rent, so there's no pressure anyway.

As a fixed asset, a house has a strong ability to maintain and increase its value.

But if the price of the house is already very high and the rent accounts for less than 1/3 of the monthly payment, then there is no need to buy such a house.

If house prices fall in the future, you will be eager to sell. At that time, you can only sell at a loss.

Therefore, when buying a house now, you should focus on how much you can rent it for every month. If house prices fall by about 30% in the next few years, will you be able to afford it? If so, then you can invest.

2. Houses that can be used as B&Bs. B&Bs have become very popular in recent years. They are being developed in many tourist cities. Many tourists now like to stay in B&Bs when traveling.

My family went to Guilin during the National Day last year. We rented a B&B with three bedrooms and two living rooms, which gave you a good feeling of staying at home.

Then I went to Xiamen for National Day this year and rented a B&B.

So if the city where the house is located is a tourist city and it is near a popular tourist attraction, then 5 million can buy several houses like this for investment.

After buying it and setting up a B&B, it will definitely be no problem if the annualized income is 10%.

How to quickly increase the value of 8 million financial management. My personal suggestion is to divide your 8 million funds into three parts, one for buying stocks, one for buying public funds, and the last part is a bank time deposit.

1. Buying stocks. Why buy stocks? Many people think so because they don’t know how to trade stocks.

You buy stocks because you want high returns. Stocks can give you the opportunity to make a lot of money. It is precisely because of the opportunity that many people invest in stocks.

It doesn’t matter if you don’t know how to trade stocks now, you can learn it, as long as you don’t buy stocks with relatively high valuations.

Stock trading is not about buying today and selling tomorrow. Stock trading is about buying blue chip stocks and then just letting them sit.

So if you don’t understand, it doesn’t matter, just slowly learn value long-term investing.