Assets are really nowhere to invest in real estate money?

Invite friends to send Hao Li! 185 yuan red envelope waiting for you to take! Fund Mall 1 fold purchase

On September 14, 2016, the central bank announced major financial data. The readable language was: In August, new RMB loans were 948.7 billion yuan, of which 675.5 billion yuan were residential loans, the second highest monthly value this year. In other words, more than 70% of the water that Yang Ma put into the real estate industry.

On the same night, Li Ka-shing's Cheung Kong Real Estate Hong Kong stock market 01113 won the Hong Kong New Territories Shatin luxury residential land for HK$1.953 billion. This is also after four years, Li Ka-shing once again shot in Hong Kong.

These two news, in fact, have a main line - "asset shortage", in addition to investing in real estate, there is nowhere to go.

Assets are scarce, money really has nowhere to vote?

There have been many "wildness" in Chinese history. In the late 1950s, the three-year natural disaster in China was a famine. After the reform and opening up, with the rapid economic growth, China has a power supply gap – electricity shortage. In June 2013, the central bank tightened the currency and triggered a tighter fund – money shortage. Nowadays, the biggest problem in China's economy is that huge amounts of money can't find a suitable investment product – the asset shortage.

As the online section said, the local tyrants died in trust, the middle class died in financial management, and the silk died in P2P. There is always a scam for you.

However, now, there may be no chance that you will be cheated. Because the “asset shortage” that swept the world is that all investments are only meager or even unprofitable, resulting in nowhere to invest in funds, or idling within the banking system, thus pushing up the growth rate of M1 in the short term.

The latest survey shows that the potential size of China's personal investable assets is about 154 trillion. Nearly half of them are entrusted to banks, trusts, brokerages, insurance and funds (including private fund companies' wealth management accounts. In 2015, the total assets managed by various asset management institutions in China were about 93 trillion, of which 60% came from residents. Personal property. In the past five years, the assets of high-net-worth individuals have grown rapidly, and the proportion of investable assets in personal assets has also increased, from 24.58% in 2011 to 28.83% in 2015. The current total assets are about 37. Trillion.

A large amount of spare cash is in the hands of residents and banks, and has been increasing for many years. However, in the context of unabated economic downturn, combined with the continued decline in risk-free interest rates, it is already more difficult for investors to find high-quality asset projects with low-risk investment yields and low-risk assets. Now let's take a look at the hot investment products that have been in the past.

The "Internet Baby" has an annualized rate of return of 6.8% at the highest level, but now it is less than 2.4%. According to the monitoring data of Rong 360, on September 12, the average 7-day annualized return rate of 72 “Internet babies” was 2.54%.

At present, most of the wealth management products of state-owned banks do not exceed 4%, and 3.7%~3.8% of products are more common. Even if they are purchased through salary cards or online banking, the yield will only increase by 0.1%. Last year's average yield was still 5%.

Middle-class families are mostly involved in P2P financing, because they have the highest rate of return among many financial management methods. This year, interest rates have declined, and they are generally above 7%.

As for the sad reminder of A shares, not to mention, in the first half of the year, the three major indexes of A shares were at the bottom of the world, and several times of melting and destroying tens of millions of middle class.

From the recent "second light" of saving national debt, and the phenomenon that high-quality wealth management products have been snapped up in the short term, investors' demand for investment and wealth management for asset shortages has become stronger.

Real estate is still the first choice

The reality is: deposits are not enough for inflation, stock market risks are high, P2P does not dare to touch, bank wealth management and "baby" products have low returns... The whole capital market is increasingly lacking in low-risk and high-yield products, and the huge amount of money in the country cannot be found. Investment products. Investors hold the funds in their hands, some "illly rushed to the doctor", endure low-yield assets; or eager for money, blinded by high-yielding scams, so that they are deceived; others insist on constant change Resist the temper, look for better investment opportunities, and look forward to surviving the asset shortage as soon as possible. However, the pressure to bear inflation is uncomfortable. Ordinary investors who are in a dilemma are turning their attention to the property market.

Whether it is from the market or from the data, large sums of money are flocking into the real estate market. This happened in the case of repeated warnings by the competent authorities and the regulation and expansion of second-tier cities.

On September 14, two heavyweight data were released. According to the August financial statistics released by the central bank, RMB loans increased by 948.7 billion yuan last month, of which personal housing loans increased by 528.6 billion yuan, accounting for 55.72%, which became the main force of credit growth.

The report released by Renmin University on the same day also showed that of the 7.5 trillion new RMB loans in the first half of 2016, at least 2.3 trillion were invested in home purchase loans (close to the full year of 2015), accounting for 31% of new RMB loans. In addition, with 1.1 trillion loans to real estate development companies, a total of at least 46% of the loans were invested in the real estate market.

On the 14th, an exciting news came from Hong Kong across the water. Li Ka-shing spent a huge sum of 1.953 billion yuan in Hong Kong, raising the market valuation ceiling of 1.46 billion yuan and the floor price of 74,000 yuan per square meter.

After buying the second half of the British Li Ka-shing, after four years, why did you kill a "returning carbine" in Hong Kong?

The half-year results announced by Changhe Hong Kong Stock Exchange 0001 Industry on August 11 showed that the company's total revenue for the first half of the year was 180.5 billion Hong Kong dollars (about 154.6 billion yuan), down 8% from the same period last year. Changhe Industrial announced that the company's annual port operations in the first half of the year decreased by 4% year-on-year, while the revenue from the two important businesses of retail and infrastructure decreased by 2%.

However, in stark contrast to Changhe's 8% decline, Changshi Real Estate's performance in the first half of the year has increased significantly. According to Changshi Real Estate, the company's revenue for the first half of the year was 27.56 billion Hong Kong dollars (about 23.6 billion yuan), compared with last year's revenue of 19 billion Hong Kong dollars (about 16.3 billion yuan), the performance rose by 45%.

In this regard, Changshi Real Estate said that the growth in performance was mainly due to the benefit of the mainland housing market. Right now, the property and land are like a stall train, which is uncontrolled on the rising road and triggers an unprecedented wave of house grabbing.

The real estate surge that started at the beginning of this year was due to the excessive liquidity in the domestic market but few investment channels. The huge amount of funds first poured into the real estate industry in the first-tier cities. Soon the first-line housing prices skyrocketed, the surrounding cities rose, the price surges in the second and third cities, the national housing prices followed.

“House prices are always rising. If you don’t buy them now, you can’t afford them later.” Today, the idea of ​​a large number of wealthy people in first-tier cities is to buy a house.

What is the investment?

The downward pressure on the economy is relatively high. The phenomenon of “asset shortage” is flooding the entire market. Enterprises are reluctant to invest in production, and the employment situation is naturally not optimistic. At the same time, signs of asset bubbles in the property market and other areas have emerged. The fiery heat of the property market is in stark contrast to the cold of the real economy. People can't help but sigh that buying a house has become the best way to create wealth in the moment. And in this already mad market, when can the ordinary working class be able to round out their own dream of buying a house?

The real estate bubble will always be broken, but when the break is unclear, the process of rising, rising production costs and a group of entrepreneurs 603,883 people, exacerbated by panic buying process.

What can be invested in jumping out of real estate? Since the global interest rate cut in the bond market, the bull market has occupied many years; in China, the number of bond defaults has increased significantly. It is also unknown how long the strength of Chinese bonds can last.

Gold and the dollar are often inverse relationships. The Fed’s rate hike opened the dollar’s ​​strong cycle, and gold was hit. The latest data shows that gold supply is already surplus.

Blind investment may die very badly. Depositing banks and buying money may be a more secure means of financial management.

How to invest well?

Today, many of us pay attention to investment, and we know that money makes money, but we don’t take seriously how to make money. We always feel that investment is difficult, or what is unclear about investment. In fact, it is not investment, nor investment, but rather too greedy. Many times we don't want to pay a part of the hard work for money, but the desire for money is too idealistic.

So how do we make a good investment?

1

First, we must have such an investment philosophy.

Reducing earnings expectations and placing wealth preservation as a primary goal.

BlackRock, the world's largest asset management company, said that in the next few years, most of the fixed-income assets will return less than 5%. And, as global liquidity and low-inflation bureau fabrics continue, the global asset shortage will continue.

According to the report, China's benchmark deposit rate for the next year's term deposits may even fall to 0.75% to 1%, thus entering the era of zero interest rates. Therefore, there is a high possibility that the yield of future financing products will continue to fall.

So how should investors deal with asset shortages? First, change the investment philosophy and face the new normal of lower investment yields. In this regard, investors need to reduce return expectations, accustomed to low-yield steady investment, and gradually shifting to asset allocation will help investors maintain and increase the value of long-term funds in the future.

2. Understand that wealth is accumulated, not from rapid wealth.

But if you make money quickly, the result is not very good. We need to follow the principle of slowing down first and then fast. The first bucket of gold is slow. Give yourself a time, plan well, and stick to it.

I once had a 40-year-old friend who asked me, I am not as young as you, I can't wait too long. Only earn one million in five years, when is financial freedom! I said that if you don't do this, what other feasible methods do you have to achieve a million dollars in income in five years?

If there is, of course I am willing to let you do it. But the reality is that the possibility of shortening the realization is more gambling, the probability is 50%, if you fail, you are wasting not only money but more time. And I tell you that the probability is at least 50%, and it is stable without losing time.

3. Put aside the mentality of getting nothing, you will grow very fast.

Learning to invest is not very difficult, as long as you are willing to learn, take some time, such as an hour a day, you will learn. You can make money without investing in a master professional.

4. Know more about the products you want to invest in. The longer you focus, the more professional you are, not the professional.

Investment has never been a matter of 1+1=2, nor is it a quantitative investment, thinking that technical analysis can go all over the world. Why can't a postdoctoral stock succeed? Because it is more influenced by investor sentiment, and the performance of this emotion is unmeasurable by any scientific method.

Therefore, the daily trend of the stock market is more like a football game, and its greatest charm is unpredictable. All predictions are nothing more than gambling.

2

Second, to choose the investment products that suit you, the current varieties that can be invested include houses, stocks, bonds, insurance, and collectibles.

For example, the house currently has fewer varieties to choose from, and the store may be a product of sustainable appreciation in the future, but the initial investment is large and requires the accumulation of original funds. The stock threshold is low, suitable for most people with less capital to participate.

Because the transactions are made by themselves, it is more fair, it is not easy to make passive decisions, and small gains can be achieved through small funds. However, the stock market is sensitive and vulnerable to various factors, resulting in violent fluctuations. Need to have a certain investment knowledge and psychological endurance, as well as a focused understanding of the stocks invested.

Bonds have relatively small fluctuations in stocks, and the returns are relatively large in terms of capital preservation, but there are not many varieties and few options are available. The insurance products are rich, and small investments can be realized to achieve small gains. The emphasis is on security rather than appreciation. Some insurance products can produce small value-added effects.

Collectibles must have a certain amount of funds, and they need to have a deep and professional understanding of the products, the risks are relatively large, and the long-term benefits are also huge. We can see that each product has its own advantages and disadvantages. When we invest, we must consider their advantages and disadvantages. If we focus on it, we will become more and more professional, and the success rate will be higher and higher.

Do not pursue the door to door, the door is fine, and in the end no one has achieved maximum wealth, but also scattered investment funds, which is common to ordinary people, because ordinary people have less capital, and the same effect is better.

3

Third, we must learn to leverage strength.

Ordinary people want to do better in terms of investment, do not blindly learn and self-relight, we must learn to improve their ability to grow their strengths, and use the strong aspects of others to help.

Today, on the Internet, a lot of information is shared. We don't need to invest more money to practice and try and try, and waste too much time. We can learn from the successful investors, so we can take shortcuts and improve very quickly.

In addition, accumulate information shared by companies or platforms that are professional or focused on long-term investments. There will be a lot of useful information that you can get without the effort to help you increase the probability of successful investment.

4

Fourth, to learn to live, many things are connected, and investment is no exception.

Avenue to Jane, if you learn to live, you can easily learn to invest, you learn to invest, and it is easy to manage your family. There is a saying like this: self-cultivation, Qi family, rule the country to the world. It is the relevance of big things and small things.

We are more likely to have no self-cultivation, do not know how to live, and naturally manage bad homes, let alone talk about ruling the country. Sometimes we don't have to contact our common sense to make investments. We often do this in our life. When we get to the investment market, we do the opposite. How to learn to live? I don't have an accurate answer. I can only share my feelings from my experience and combine them into eight words: learn to change and think positively.

When the asset is overwhelmed, everyone will be in danger. When will this cloud be dispersed? no one knows. However, what is certain is that the asset shortage phenomenon is by no means a transient issue. Obviously, in the coming period, it is not realistic to easily obtain high-yield, low-risk, high-quality assets. The era of lying and making money is gone forever. Instead of praying for asset assets, it is better to face it, update its investment philosophy, lower expectations, and invest safely.