Getting Rich Is A &Nbsp In The Past; Is It A Bank Or A Moutai?

Nowadays

Property income is not as good as before.

Domestic CPI rose 4.4% in October compared with the same period last year.

Almost everyone has found that "everything is rising now" and money is becoming more and more worthless.

How can money be kept in the hands of people under fierce inflation? If you have 500 thousand free money in hand, what kind of investment will you prefer?

According to the relevant survey data, 50% of the respondents said they would buy a house, which is far higher than the investment in human capital, such as stocks, banks, financial products, gold, consumption and education.

But in the context of the government's pressure on real estate, higher taxes and higher interest rates and higher interest rates, how much more can housing prices rise?

Real Estate Research Institute researchers have made precise calculations, and found that the investment property income has dropped significantly over the past few years. It is no longer the best investment channel far superior to speculation and speculation. It may not even win the CPI..

Calculation found that: assuming that the housing price will rise by 20% in the next 2 years, you will now invest 500 thousand yuan in a "two suite" with a total price of 1 million yuan, which will be sold in 2 years. The book appears to have earned 200 thousand yuan, but you need to pay a tax of 1 million * 3%=3 million before the payment of the certificate, and pay the maintenance fund 1 million 200 thousand / square meter x 100 square meter =1.2 million yuan.

It is necessary to pay a business tax of 200 thousand x 5.55%=1.11 million yuan, a tax of 1 million 200 thousand x 1%=1.2 million, and a 2 year interest rate of about 66 thousand yuan, and a 1.2% intermediary fee of 14 thousand and 400 yuan to pay for the sale of the house, that is to say, the total cost of paying taxes and business is 145 thousand and 500 yuan.

The net profit is 54 thousand and 500 yuan.

Your return on investment is 10.9%, flat to 5.45% every year, only slightly wins 4.4% of CPI.

Achieve value preservation, but not value-added.

However, if the next 2 years, the price rises by 10%, the same is the same, property appreciation is still worth the tax, and ultimately not only do not make money, but also 37 thousand and 750 yuan.

Encouraging entry into the real economy

Xia Bin, director of the Financial Research Institute of the State Council Development Research Center, said recently that China is a country with great potential for growth. Now there are many problems in the financing of small and medium-sized enterprises, and many small businesses can not melt money in the stock market. Therefore, PE and private equity funds are developing very fast. In this respect, we should encourage development so that people can have more money to enter this field.

Xia Bin also believes that domestic investment should go global.

If we have good institutional investors to organize the RMB going out, we can open channels in Southeast Asia and ASEAN ten countries.

The other is to liberate the investment field and encourage the people to enter the physical field.

Hong Lin, a senior media observer, believes that for the common people, the era of global inflation has arrived. In terms of financial management, it is equally important to increase revenue and reduce expenditure.

"What is money management? It's a bit like consolidating the water conservancy project, making it more robust, or making our money much higher than the bank's interest rate. Now there are many smart consumers. When he has a mortgage loan, even if he has some spare money, he may not return the money immediately. If he keeps a portion of his money, he can make the turnover more abundant."

Hong Lin told the Commercial Daily reporter, "the money for them, first of all, higher than the bank deposit interest rate, second must be higher than CPI can, so that we can ensure that the money does not depreciate, and there is another. Since there is no car loan, the loan interest rate is always higher than the loan interest rate, so there are at least a few steps to the people.

If there is no loan, it must exceed CPI to ensure that your money does not depreciate. "

For today's various financial means and investment skills, Hong Lin said that although the professional operation skills of gold and silver, stock futures and other investment varieties are too complex for ordinary investors, they can still use some financial management tools to consolidate their wealth by means of fund managers.

"Because there was an example in the previous period, you may have heard that there is an old lady who had four hundred yuan about more than 30 years ago, plus interest rate can now be converted into more than 800 yuan, but the problem is that at that time, she could buy a house or fifty bottles of Moutai wine, and today these eight hundred yuan can not even buy a bottle of Moutai.

So for ordinary people, even if you joke about it, you can say: if your money can't be more than CPI in a bank, you might as well buy a bottle of Moutai at home.

Hong Lin said.