A Financial Manager Who Did Not Buy A House After 80 Years

　　 housing price Many people who want to improve their housing are afraid to buy. They stop at this time, stand on the shore and watch the ups and downs of house prices. Some people are also trying to get a place in Beijing and turn everything into a mortgage slave.

Liu Xiyang is a particular fear of house slaves. Liu Xiyang, 29, has missed the low price of housing and is facing the peak of housing prices. Looking at the rising housing prices day by day, the idea of buying a house began to waver. Now he no longer considers buying a house, but wants to make money through investment. In this issue, I would like to tell you about a 80 year old who doesn't want to buy a house. Conduct financial transactions Story.

Not buying a house Investment House property

Liu Xiyang rented a building with more than ten years' residence near the West Third Ring Road. The decoration was not luxurious, but he was very cozy with his wife. Wedding photos are hung on the head of the bed. They have lived here for more than three years.

Liu Xiyang works as a IT Engineer in a company. His wife and his wife earn about seventeen thousand yuan a month, but he has always chosen to rent. Liu Xiyang is often asked by his friends, "why don't you buy a house?" in the face of such a problem, Liu Xiyang's official reply is: "now the rental rate is so low that buying a house is not worth it."

However, Liu Xiyang did not always buy the idea. After graduating from college in 2004, he had the idea of buying a house. "When I was single, I didn't really want to buy a house. Also, I didn't expect the house to go up. By the time the house prices were soaring, the money in Liu Xiyang's hand gradually changed from the down payment of two rooms to a down payment in a room, and finally even the down payment was not enough. He finally gave up the idea of buying a house. Three years ago, Liu Xiyang was going to marry in a rented house. His wife did not understand. Liu Xiyang used his own theory to lobby his wife. Liu Xiyang did not pay no attention to the real estate market in Beijing. Some of his colleagues, some of them were house slaves, some of them were chartered. "I asked a colleague, he said that there was a two bedroom house, the market price was around 1 million yuan, and the annual rental income was 30 thousand yuan, so the annual rent return rate is 3%."

Liu Xiyang assured his wife by breaking his fingers. "It's not easy to earn 3% a year in this year. If I have 1 million yuan, why do I have to buy a suite? Why do I want to become a house slave? It is not difficult to mention the rate of return to 5%. I can rent 30 thousand of my colleagues' house, and I want to spend twenty thousand of them on how to spend it. The wife was asked by Liu Xiyang a series of questions, reluctantly agreed to complete the marriage in the rental housing.

Liu Xiyang didn't tell anyone what he thought. He knew that someone would say he was innocent. What if the return on investment is not so high? What if the rent continues to rise? The problem is also in his mind. "I agree that as long as China's economy continues to grow, real estate will definitely be a good investment target, but that does not mean that I must invest the housing that I live in as an investment target. I can invest in real estate stocks, invest in real estate trusts, or invest in real estate investment funds. If you can't afford to buy a house, buy some real estate stocks. Liu Xiyang explained his theory in this way. For example, in the stock market of Hongkong, a real estate investment product can be traded like a stock. All its assets are some commercial building property, and will distribute at least 90% of the rental income to the fund holders every year. According to the current market price, the annual rental return rate is about 7%. "You can buy similar products, not only the annual income is higher, but as long as the development of the real estate industry is good, the real estate fund holds the same appreciation of the property, the rents will continue to increase, and the returns will naturally rise. In this case, even if I rent a house, I will not worry about the potential long-term bull market of Chinese property in the future.

Ten thousand yuan balance and diversification investment

Friends around Liu Xiyang lowered their heads in front of soaring housing prices. They rushed into the market and became house slaves. In Liu Xiyang's eyes, the old and elegant life of a friend is gone forever, and the financial problems of open source and throttling can no longer be avoided. The pressure of mortgage repayment first forced them to start living within their means and even tighten their expenses, so clothes were bought less, and they were completely replaced by "fire" at home. They even went to work at noon every day, and did not dare to go shopping in supermarkets at large. They learned to take advantage of cheap and preferential wholesale daily necessities. "The happiness of the house owners has not yet been enjoyed for a long time, so they have already had the miserable days of frugal food and clothing. Some female colleagues did not buy one of their favorite fashion magazines. Seeing their experience, I really dare not buy a house.

Liu Xiyang made a list of his family's income and expenses. The monthly income of his family was around 17000 yuan. "Though I don't have much, I can live comfortably, eating and drinking without worry." Liu Xiyang and his wife are not far away from their rented places, so they do not buy a car. "There is no car consumption, and I always think that cars are the top consumables. They only have the possibility of making money, although sometimes it is very convenient, but I still think that a taxi can also reach the destination, and it is cheaper to drive a car than to raise a car." There are several supermarkets near Liu Xiyang's house. He goes to the supermarket every weekend. For example, if I buy cake cards, I can offer a discount of 5%. When vegetables and daily necessities are settled in supermarkets or stalls, don't think that the food in supermarkets is expensive. There are many times when vegetables are more expensive than supermarkets.

Liu Xiyang put a detailed income and expenditure account in front of his wife, rent: 2600 yuan / month, hydropower and gas: 100 yuan, broadband communications: 350, transportation costs: 300 yuan, vegetables and fruits: 500 yuan, out for dinner (including units):800 yuan, clothing, cosmetics: 1600 yuan, Entertainment: 500 yuan, other expenses: 300 yuan. The monthly expenditure is 7050 yuan and the balance is about ten thousand yuan.

Liu Xiyang divided the rest of the money into several parts and made a monthly investment of 2000 yuan, and 3000 yuan to buy a capital preservation fund (which can be withdrawn at any time, with a higher return than the bank's current), and 3000 yuan to buy stocks, and finally 2000 yuan to buy time deposits. "So even in the current general situation, the income can reach 10% or even higher."

Although Liu Xiyang did not buy stocks for a long time, he also experienced ups and downs in the stock market. In 2007, the word "golden ten years" was the most widely spoken word. This year, no matter how to buy stocks or buy funds and buy insurance, you can earn money with your eyes closed. Liu Xiyang roaming happily in the stock market, but not long after, the stock index began to fall. Liu Xiyang's account is getting smaller and smaller. When he dropped to 3000 in April 2008, he boldly added up. "I broke the last 5 of them and thought that the stock index fell by half. It's time for a rebound. Is it not that the more the fall, the higher the rebound?" the expectation of the rebound did not appear. After several rounds of turnover, Liu Xiyang's funds continued to shrink. "Now, it is meaningless to say anything, and money is lost anyway. The only way I am afraid is to wait and leave some hope for myself!" {page_break}

This year's market has made Liu Xiyang feel the hope. He thought he could make a fortune with the chariot of "golden ten years". "Who could have thought that he had rushed into the air, and just got on the train and went downhill." Liu Xiyang took out a 120 thousand yuan guaranteed fund to prepare for a fight in the stock market. "This time I hope to get out of the car after climbing a slope, instead of being driven away."

Marriage is, after all, a great event in life. Liu Xiyang thought of his wife's desire for the house, and wanted to buy a house for her. "But now buying a house will not only drain all the current savings, but also be" Moonlight "every month, and the burden of life can be imagined. "Originally did not intend to buy houses in the past one or two years, just in time to adjust the policy, now let's see it changed, this may be a chance to buy a house." Liu Xiyang slowly changed his wife's request. Liu Xiyang, who had 450 thousand yuan in his hands, began to feel embarrassed. He found a financial planner to help analyze. The financial planner suggested that if the purchase is a rigid demand, it is better to buy property at the price that he thinks appropriate. After all, it is more difficult to "copy the bottom" in the real estate market. At the same time, in the real estate adjustment period, the funds will be invested in the stock market. After a wave of market prices, the funds for buying houses will increase. At this point, the adjustment of the real estate market will also begin to see clearly, and the housing prices will obviously be loose. Under the dual influence of domestic macroeconomic regulation and control and international financial environment, current housing prices are expected to wavering. Financial planners believe that buying a house is not a wise choice at this time. If we want to buy new property, it will be appropriate for us to rebound when housing prices are down.

Financial advisers suggest that in the second half of the year, they can purchase short-term insurance products of their own banks. Instead of buying a good monetary fund, it is better to buy one to three months' financial products. Now that Liu Xiyang has the intention to buy a house, he can buy three months of financial products or the latest issue of bond portfolio financial products. Once a suitable purchase opportunity is met, the money can quickly become a down payment. At the same time of financial management, "throttling" is also an essential link. At present, Liu Xiyang and his wife are both spending less time in their life. When considering a series of expenses such as housing, car maintenance, children education and so on, Liu Xiyang should reduce the daily expenditure to the maximum extent during this period. After listening to the advice of the financial planner, Liu Xiyang was somewhat worried about the coming life of frugal life. He did not want to become a house slave. He is now struggling to get a copy of the stock market, and every time he adjusts, he will pour money into the market and continue to make up his stock.

According to the financial planner, Liu Xiyang can arrange large family expenses according to the order of getting rich first, then adding value, buying houses again, and buying cars, so the financial planner thinks that it is imperative to make active investments in financial management and make the assets rich when young expenses are relatively low. "If we have children in the future and do not give them a home, they will feel guilty. The reason must be clear. The bitter days now are to make life after marriage sweet. Whether the annual return of 10% is equal to the rapid rise of housing prices, Liu Xiyang still makes a choice in buying and investing.